- Subaru Crosstrek insurance costs $1,402 per year for a full coverage policy, depending on the trim level.
- With an insurance cost range of $130, the cheapest Crosstrek insurance is on the base model at around $1,332 per year, and the most expensive model to insure is the Wilderness costing $1,462 per year.
- When compared to other small SUVs, the 2024 Subaru Crosstrek is one of the cheaper small SUVs to insure, costing $343 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 $1,402 per year for a policy with full coverage. Monthly insurance cost for the Crosstrek ranges from $111 to $122, depending on the trim level.
Collision coverage will cost about $590 a year, liability/medical (or PIP) coverage is an estimated $418, and the remaining comprehensive is around $394. 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 2024 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.
The costs shown in the chart above have a pretty wide range, from $1,168 for a 40-year-old driver who qualifies for a discount rate, up to $3,162 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 $11,122 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 model at around $1,332 per year, or about $111 per month. The second cheapest model is the Premium model costing an average of $1,356 per year.
The most expensive trim is the Crosstrek Wilderness 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 2024 Subaru Crosstrek car insurance rates for annual, semi-annual, and monthly policy terms.
| 2024 Subaru Crosstrek Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Base | $1,332 | $111 |
| Premium | $1,356 | $113 |
| Sport | $1,416 | $118 |
| Limited | $1,444 | $120 |
| Wilderness | $1,462 | $122 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Updated February 23, 2024
Is Crosstrek insurance cheaper than other small SUVs?
The Subaru Crosstrek ranks first out of 47 comparison vehicles in the 2024 small SUV class. The Crosstrek costs an average of $1,402 per year for full coverage insurance, while the segment average cost is $1,745 per year, a difference of $343.
When compared directly to popular vehicles in the small SUV segment, insurance rates for a Subaru Crosstrek cost $346 less per year than the Toyota RAV4, $216 less than the Honda CR-V, $344 less than the Chevrolet Equinox, and $328 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 2024 model year. Following the chart is a table that ranks all 47 small SUV models for insurance affordability, with the Crosstrek coming in at first.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,402 | -- |
| 2 | Chevrolet Trailblazer | $1,424 | $22 |
| 3 | Kia Soul | $1,482 | $80 |
| 4 | Nissan Kicks | $1,494 | $92 |
| 5 | Buick Envision | $1,520 | $118 |
| 6 | Toyota Corolla Cross | $1,530 | $128 |
| 7 | Hyundai Venue | $1,540 | $138 |
| 8 | Mazda CX-5 | $1,548 | $146 |
| 9 | Ford Bronco Sport | $1,554 | $152 |
| 10 | Volkswagen Tiguan | $1,570 | $168 |
| 11 | Buick Encore | $1,612 | $210 |
| 12 | Honda CR-V | $1,618 | $216 |
| 13 | Volkswagen Taos | $1,624 | $222 |
| 14 | Kia Niro | $1,626 | $224 |
| 15 | Honda HR-V | $1,650 | $248 |
| 16 | Subaru Forester | $1,692 | $290 |
| 17 | Kia Seltos | $1,694 | $292 |
| 18 | GMC Terrain | $1,698 | $296 |
| 19 | Nissan Rogue | $1,704 | $302 |
| 20 | Hyundai Kona | $1,706 | $304 |
| 21 | Mazda CX-30 | $1,710 | $308 |
| 22 | Volkswagen ID4 | $1,720 | $318 |
| 23 | Ford Escape | $1,730 | $328 |
| 24 | Chevrolet Equinox | $1,746 | $344 |
| 25 | Toyota RAV4 | $1,748 | $346 |
| 26 | Mazda MX-30 | $1,760 | $358 |
| 27 | Hyundai Tucson | $1,764 | $362 |
| 28 | Chevrolet Trax | $1,794 | $392 |
| 29 | Mini Cooper Clubman | $1,798 | $396 |
| 30 | Mini Cooper | $1,800 | $398 |
| 31 | Mitsubishi Eclipse Cross | $1,820 | $418 |
| 32 | Jeep Renegade | $1,824 | $422 |
| 33 | Mitsubishi Outlander | $1,848 | $446 |
| 34 | Nissan Ariya | $1,856 | $454 |
| 35 | Kia Sportage | $1,858 | $456 |
| 36 | Hyundai Ioniq 5 | $1,864 | $462 |
| 37 | Fiat 500X | $1,870 | $468 |
| 38 | Mazda CX-50 | $1,884 | $482 |
| 39 | Toyota bz4X | $1,890 | $488 |
| 40 | Mini Cooper Countryman | $1,892 | $490 |
| 41 | Subaru Solterra | $1,898 | $496 |
| 42 | Mitsubishi Mirage | $1,900 | $498 |
| 43 | Kia EV6 | $1,958 | $556 |
| 44 | Dodge Hornet | $2,018 | $616 |
| 45 | Jeep Compass | $2,054 | $652 |
| 46 | Hyundai Nexo | $2,094 | $692 |
| 47 | Ford Mustang Mach-E | $2,220 | $818 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each vehicle from the 2024 model year. Updated February 23, 2024
New vs. used car insurance rates
Forgoing the newest 2024 model and instead insuring a 2016 Subaru Crosstrek could save $342 per year, depending on policy limits. Even a nearly-new 2019 model could save $138 per year.
The data table below details average Subaru Crosstrek car insurance rates for drivers aged 20 to 60 for the 2016 through 2024 model years.
| Model Year and Vehicle | Driver Age 20 | Driver Age 40 | Driver Age 60 |
|---|---|---|---|
| 2024 Subaru Crosstrek | $2,758 | $1,402 | $1,166 |
| 2023 Subaru Crosstrek | $2,850 | $1,412 | $1,172 |
| 2022 Subaru Crosstrek | $2,814 | $1,392 | $1,158 |
| 2021 Subaru Crosstrek | $3,092 | $1,518 | $1,264 |
| 2020 Subaru Crosstrek | $3,002 | $1,474 | $1,228 |
| 2019 Subaru Crosstrek | $2,552 | $1,264 | $1,052 |
| 2018 Subaru Crosstrek | $2,356 | $1,170 | $978 |
| 2017 Subaru Crosstrek | $2,320 | $1,152 | $962 |
| 2016 Subaru Crosstrek | $2,112 | $1,060 | $884 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Subaru Crosstrek trim levels for each model year. Updated February 23, 2024
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 $234 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 $354 per year. Major infractions such as DWI and leaving the scene of an accident could raise rates by an additional $1,250 or more.
- Subaru Crosstrek insurance rates for teenagers are high. Average rates for full coverage Crosstrek insurance costs $4,844 per year for a 16-year-old driver, $4,692 per year for a 17-year-old driver, and $4,208 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 $2,126 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 $42 and $185 on your annual auto insurance bill, depending on the age of the driver.