Subaru Crosstrek Insurance Cost for 2023

Is a Subaru Crosstrek cheap to insure?

From the base AWD model up to the pricier Plug-in Hybrid AWD trim level, we surveyed insurance cost for the Crosstrek to see how the average insurance cost compares to similar vehicles.

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  • Subaru Crosstrek insurance costs $1,346 per year for a full coverage policy, depending on the trim level.
  • With an insurance cost range of $200, the cheapest Crosstrek insurance is on the base AWD model at around $1,262 per year, and the most expensive model to insure is the Plug-in Hybrid AWD costing $1,462 per year.
  • When compared to other small SUVs, the 2023 Subaru Crosstrek is one of the cheaper small SUVs to insure, costing $260 less per year less than the segment average rate.
  • Deleting physical damage insurance coverage on an older Subaru Crosstrek could potentially save around $700 per year, depending on the policy deductibles and the age of the rated driver.

How much does Subaru Crosstrek car insurance cost?

Subaru Crosstrek insurance costs an average of $1,346 per year for a policy with full coverage. Monthly insurance cost for the Crosstrek ranges from $105 to $122, depending on the trim level.

Collision coverage will cost about $634 a year, liability/medical (or PIP) coverage is an estimated $402, and the remaining comprehensive is around $310. These amounts are only estimates, as the cost of coverage is determined by each individual insurance company and there are a lot of factors that impact the actual rate you’ll pay.

The chart below breaks down average 2023 Subaru Crosstrek insurance rates using variations of driver age and risk profiles. The overall average rate we use for comparisons is the rate shown for a 40-year-old safe driver.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2023 model year Subaru Crosstrek with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Subaru Crosstrek trim levels.Data last updated on May 5, 2023
Subaru Crosstrek Insurance Cost Summary
2023 Subaru Crosstrek Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,066$256
Safe Driver Age 20$2,686$224
At-fault Accidents Age 40$1,896$158
Low Deductibles Age 40$1,766$147
Safe Driver Age 30$1,422$119
Safe Driver Age 40$1,346$112
Safe Driver Age 50$1,230$103
Safe Driver Age 60$1,208$101
High Deductibles Age 40$1,132$94
Discount Rate Age 40$1,120$93

The costs shown in the chart above have a pretty wide range, from $1,120 for a 40-year-old driver who qualifies for a discount rate, up to $3,066 for a 30-year-old driver who has to buy a high-risk policy.

That seems like a wide range, but in fact, liability-only insurance on a Crosstrek could cost under $250 a year in some parts of the country, while a 16-year-old driver with a spotty driving record could pay as much as $11,400 a year in some of the higher-rate areas.

What is the cheapest Subaru Crosstrek insurance?

The cheapest trim level of Subaru Crosstrek to insure is the base AWD model at around $1,262 per year, or about $105 per month. The second cheapest model is the Premium AWD model costing an average of $1,286 per year.

The most expensive trim is the Crosstrek Plug-in Hybrid AWD at $1,462 per year, or around $122 per month. It will cost about $250 more per year to insure the Hybrid Crosstrek compared to the base model.

The table below details average 2023 Subaru Crosstrek car insurance rates for annual, semi-annual, and monthly policy terms.

2023 Subaru Crosstrek Insurance Cost by Trim Level
Subaru Crosstrek Trim Level Annual Policy Six-Month Policy Per Month
Base AWD$1,262$631$105
Premium AWD$1,286$643$107
Sport AWD$1,352$676$113
Limited AWD$1,372$686$114
Plug-in Hybrid AWD$1,462$731$122

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 Subaru Crosstrek, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on May 5, 2023
Subaru Crosstrek Insurance Cost by Trim Level

Is Crosstrek insurance cheaper than other small SUVs?

The Subaru Crosstrek ranks second out of 47 comparison vehicles in the 2023 small SUV class. The Crosstrek costs an average of $1,346 per year for full coverage insurance, while the segment average cost is $1,606 per year, a difference of $260.

When compared directly to popular vehicles in the small SUV segment, insurance rates for a Subaru Crosstrek cost $288 less per year than the Toyota RAV4, $150 less than the Honda CR-V, $242 less than the Chevrolet Equinox, and $270 less than the Ford Escape.

The chart below shows how Crosstrek car insurance rates compare to the top 10 best-selling small SUVs for the 2023 model year. Following the chart is a table that ranks all 47 small SUV models for insurance affordability, with the Crosstrek coming in at second.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2023 model year Subaru Crosstrek, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Subaru Crosstrek trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on May 5, 2023
Subaru Crosstrek Insurance Cost vs Top 10 Small SUVs
Subaru Crosstrek Insurance Cost Compared to All Small SUVs
Rank Make/Model Insurance Cost Difference
1Chevrolet Trailblazer$1,334-$12
2Subaru Crosstrek$1,346--
3Nissan Kicks$1,354$8
4Nissan Rogue Sport$1,378$32
5Mazda CX-5$1,386$40
6Buick Encore$1,406$60
7Buick Envision$1,410$64
8Kia Seltos$1,430$84
9Hyundai Venue$1,440$94
10Honda HR-V$1,464$118
11Hyundai Kona$1,480$134
12Subaru Forester$1,486$140
13Honda CR-V$1,496$150
14Mazda CX-30$1,498$152
15Chevrolet Trax$1,514$168
16Volkswagen Tiguan$1,532$186
17Ford Bronco Sport$1,536$190
18Fiat 500X$1,564$218
19GMC Terrain$1,566$220
20Kia Soul$1,568$222
21Mitsubishi Eclipse Cross$1,572$226
22Chevrolet Equinox$1,588$242
23Toyota Corolla Cross$1,592$246
24Volkswagen Taos$1,600$254
25Mazda CX-50$1,610$264
26Hyundai Tucson$1,614$268
27Ford Escape$1,616$270
28Nissan Rogue$1,622$276
29Toyota RAV4$1,634$288
30Mazda MX-30$1,636$290
31Kia Niro$1,638$292
32Mini Cooper$1,648$302
33Jeep Compass$1,652$306
34Mini Cooper Clubman$1,674$328
35Jeep Renegade$1,698$352
36Chevrolet Bolt$1,710$364
37Toyota bz4X$1,716$370
38Kia Sportage$1,760$414
39Hyundai Ioniq 5$1,764$418
40Mini Cooper Countryman$1,812$466
41Mitsubishi Mirage$1,818$472
42Mitsubishi Outlander$1,820$474
43Volkswagen ID4$1,832$486
44Kia EV6$1,870$524
45Dodge Hornet$1,872$526
46Hyundai Nexo$1,938$592
47Ford Mustang Mach-E$1,996$650

New vs. used car insurance rates

Forgoing the newest 2023 model and instead insuring a 2016 Subaru Crosstrek could save $270 per year, depending on policy limits. Even a nearly-new 2019 model could save $114 per year.

The data table below details average Subaru Crosstrek car insurance rates for drivers aged 20 to 60 for the 2016 through 2023 model years.

Subaru Crosstrek Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2023 Subaru Crosstrek$2,686$1,346$1,208
2022 Subaru Crosstrek$2,648$1,328$1,192
2021 Subaru Crosstrek$2,908$1,450$1,302
2020 Subaru Crosstrek$2,872$1,432$1,286
2019 Subaru Crosstrek$2,452$1,232$1,106
2018 Subaru Crosstrek$2,318$1,162$1,044
2017 Subaru Crosstrek$2,278$1,144$1,028
2016 Subaru Crosstrek$2,136$1,076$966

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates for each driver age group are for a 12-month period and assume a clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on May 5, 2023
Subaru Crosstrek Insurance Cost by Model Year

Additional Subaru Crosstrek car insurance rates

If the tables and charts above weren’t enough data to absorb, here are a few more tidbits of information that could lower rates or potentially save you money.

  • Find cheaper rates by qualifying for policy discounts. Discounts may be available if the policyholders insure their home and car with the same company, work in certain occupations, belong to certain professional organizations, are loyal customers, are accident-free, or many other policy discounts which could save the average driver as much as $226 per year on the cost of insuring a Crosstrek.
  • A clean driving record saves money. If you want to pay the best price on Crosstrek insurance, it’s necessary to drive conservatively. A few minor moving violations have the ramification of spiking the price of a policy as much as $350 per year. Major infractions such as DWI and leaving the scene of an accident could raise rates by an additional $1,244 or more.
  • Subaru Crosstrek insurance rates for teenagers are high. Average rates for full coverage Crosstrek insurance costs $4,822 per year for a 16-year-old driver, $4,518 per year for a 17-year-old driver, and $4,226 per year for an 18-year-old driver.
  • High-risk insurance is expensive. For a 20-year-old driver, having to buy a high-risk insurance policy could trigger a rate increase of $2,100 or more per year.
  • Get cheaper Crosstrek auto insurance rates because of your profession. Some insurance companies offer policy discounts for being employed in occupations like firefighters, nurses, architects, emergency medical technicians, lawyers, and others. If your occupation qualifies you for this discount, you may save between $40 and $178 on your annual auto insurance bill, depending on the age of the driver.