Subaru CrossTrek Insurance Cost for 2021

How much does Subaru CrossTrek car insurance cost? We break down average rates from the base AWD model up to the Plug-in Hybrid AWD trim to see how prices compare against the entire compact SUV segment.

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  • Subaru CrossTrek insurance costs $1,334 per year for a full coverage policy, depending on the trim level.
  • With an insurance cost range of $254, the cheapest Crosstrek insurance is on the base AWD model at around $1,236 per year, and the most expensive trim being the Plug-in Hybrid AWD at $1,490 annually.
  • When compared to other small SUVs, the 2021 Subaru CrossTrek is one of the cheaper small SUVs to insure, costing $23 less per year on average.
  • Deleting physical damage insurance coverage on an older Subaru CrossTrek could potentially save $706 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 $1,334 per year for a policy with full coverage. Monthly insurance cost for the CrossTrek ranges from $103 to $124, depending on the trim level.

Collision coverage will cost about $606 a year, liability/medical (or PIP) coverage is an estimated $430, and the remaining comprehensive is around $298. 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 2021 Subaru CrossTrek insurance cost 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.

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Chart Data Details: Average rates are for a 2021 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.
Subaru Crosstrek Insurance Cost Summary
Subaru Crosstrek Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,042$254
Safe Driver Age 20$2,662$222
At-fault Accidents Age 40$1,886$157
Low Deductibles Age 40$1,734$145
Safe Driver Age 30$1,402$117
Safe Driver Age 40$1,334$111
Safe Driver Age 50$1,216$101
Safe Driver Age 60$1,196$100
High Deductibles Age 40$1,128$94
Discount Rate Age 40$1,108$92

The costs shown in the chart above have a pretty wide range, from $1,108 for a 40-year-old driver who qualifies for a discount rate, up to $3,042 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 $15,294 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 $1,236 per year, or about $103 per month. The second cheapest model is the Premium AWD model costing an average of $1,282 per year.

The most expensive trim is the Crosstrek Plug-in Hybrid AWD at $1,490 per year, or around $124 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 2021 Subaru CrossTrek car insurance rates for annual, semi-annual, and monthly policy terms.

2021 Subaru Crosstrek Insurance Cost by Trim Level
Subaru Crosstrek Trim Level Annual Policy 6-month Policy Per Month
AWD$1,236$618$103
Premium AWD$1,282$641$107
Limited AWD$1,352$676$113
Plug-in Hybrid AWD$1,490$745$124

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2021 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.
Subaru Crosstrek Insurance Cost by Trim Level

Is CrossTrek insurance cheaper than other small SUVs?

The Subaru CrossTrek ranks #25 out of 41 comparison vehicles in the 2021 small SUV class. The Crosstrek costs an average of $1,334 per year for full coverage insurance, while the segment average cost is $1,357 per year, a difference of $23.

When compared directly to popular vehicles in the small SUV segment, insurance rates for a Subaru CrossTrek cost $102 less per year than the Toyota RAV4, $128 more than the Honda CR-V, $52 more than the Chevrolet Equinox, and $372 less than the Jeep Wrangler.

The chart below shows how CrossTrek car insurance rates compare to the top 10 best selling small SUVs for the 2021 model year. Following the chart is a table that ranks all 41 small SUV models for insurance affordability, with the CrossTrek coming in at #25.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2021 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.
Subaru Crosstrek Insurance Cost vs Top 10 Small SUVs
Subaru Crosstrek Insurance Cost Compared to All Small SUVs
Rank Make/Model Insurance Cost Difference
1Mazda CX-3$1,160-$174
2Honda CR-V$1,206-$128
3Mazda CX-5$1,222-$112
4Mazda CX-30$1,226-$108
5Ford Ecosport$1,230-$104
6Toyota C-HR$1,234-$100
7Nissan Rogue Sport$1,242-$92
8Hyundai Kona$1,244-$90
9Chevrolet Trax$1,246-$88
10Buick Envision$1,254-$80
11Nissan Kicks$1,256-$78
12Hyundai Venue$1,258-$76
13Mitsubishi Eclipse Cross$1,260-$74
14Hyundai Tucson$1,264-$70
15Kia Sportage$1,268-$66
16Jeep Compass$1,270-$64
17Kia Soul$1,274-$60
18Chevrolet Equinox$1,282-$52
19Chevrolet Trailblazer$1,290-$44
20Honda HR-V$1,302-$32
21Volkswagen Tiguan$1,308-$26
22Subaru Forester$1,318-$16
23Ford Escape$1,328-$6
24Subaru Crosstrek$1,334--
25Nissan Rogue$1,334$0
26Buick Encore$1,334$0
27Kia Seltos$1,344$10
28GMC Terrain$1,346$12
29Volkswagen ID4$1,382$48
30Fiat 500X$1,386$52
31Jeep Renegade$1,394$60
32Toyota RAV4$1,436$102
33Kia Niro$1,450$116
34Mini Cooper Countryman$1,486$152
35Mini Cooper$1,512$178
36Mitsubishi Mirage$1,540$206
37Ford Bronco$1,612$278
38Mini Cooper Clubman$1,650$316
39Mitsubishi Outlander$1,678$344
40Jeep Wrangler$1,706$372
41Hyundai Nexo$1,788$454

How much is insurance on a used CrossTrek?

Forgoing the newest 2021 model and instead insuring a 2016 Subaru CrossTrek could save $294 per year, depending on policy limits. Even a nearly-new 2019 model could save $202 per year.

The data table below details average Subaru CrossTrek car insurance rates for drivers age 20 to 60 for the 2016 through 2021 model years. Insurance cost ranges from a low of $934 for a 60-year-old driver rated on a 2016 Subaru CrossTrek to the most expensive rate of $2,662 per year for a 20-year-old driving a 2021 model.

Subaru Crosstrek Insurance Cost for 2016-2021 Models
Model Year Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50 Driver Age 60
2021$2,662$1,402$1,334$1,216$1,196
2020$2,604$1,368$1,300$1,188$1,168
2019$2,252$1,194$1,132$1,034$1,016
2018$2,204$1,166$1,106$1,012$992
2017$2,152$1,136$1,082$986$968
2016$2,070$1,094$1,040$952$934

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates assume clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.
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 $352 per year. Major infractions such as DWI and leaving the scene of an accident could raise rates by an additional $1,236 or more.
  • Subaru Crosstrek insurance rates for teenagers are high. Average rates for full coverage Crosstrek insurance costs $4,830 per year for a 16-year-old driver, $4,512 per year for a 17-year-old driver, and $4,212 per year for a 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 $2,088 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 other occupations. If your occupation qualifies you for this discount, you may save between $40 and $151 on your annual auto insurance bill, depending on the age of the driver.