If you’re comparing rates to find low-cost auto insurance rates, the 2020 Subaru Crosstrek is a decent choice. It averages $1,474 per year to insure, or around $123 per month.
It’s one of the more competitive vehicles to insure, and when compared to 37 other compact sport utility vehicles for the 2020 model year it costs $12 less than the segment average rate of $1,486.
The following rate chart breaks down a small sample of some of the auto insurance rates available on a 2020 Subaru Crosstrek using different deductibles and driver age groups.
The most affordable 2020 Subaru Crosstrek insurance
One important factor that has an impact on determining the amount you pay for insurance on a 2020 Subaru Crosstrek is the trim level of the vehicle.
There are some exceptions, but in most cases, the higher the cost of the vehicle options, the higher the price you’ll pay to insure it.
The table below details insurance rates for all 2020 Subaru Crosstrek models. Premiums are shown for both annual and semi-annual auto insurance policies, as well as the monthly budgeting amount.
| 2020 Subaru Crosstrek Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| AWD | $1,362 | $114 |
| Premium AWD | $1,412 | $118 |
| Limited AWD | $1,486 | $124 |
| Plug-in Hybrid AWD | $1,638 | $137 |
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
The cheapest 2020 Crosstrek to insure is the AWD trim, with an average rate of $1,362 per year, while the highest-priced trim level to insure is the Plug-in Hybrid AWD at $1,638 per year.
A total of $276 separates the cheapest trim level to insure from the model with the most expensive rates, which is a pretty big price gap.
That rate gap amount is for a forty-year-old driver, but when insuring younger drivers, the rate difference between the lowest and highest rates will be considerably more.
When insuring a sixteen-year-old driver, the range in insurance prices on a 2020 Crosstrek goes up to $911.
Factor in a moving violation and an at-fault accident for that same teen driver, and the price range between the most affordable Crosstrek trim level to insure and the most expensive balloons to $1,257.
This just reinforces the need to be sure you’re comparing insurance quotes for the right Crosstrek trim level.
Consistency is the key to finding and maintaining affordable car insurance. Make a habit of comparing rates once a year to ensure you’re getting the best deal.
Subaru Crosstrek insurance for teen drivers
The Crosstrek is a good choice for a teen driver due to its good safety ratings, which we will cover later in this article.
However, teen drivers are the most expensive age group to insure on any vehicle, not just the Crosstrek. So brace yourself for the data we’re about to show you. Teen driver rates on a 2020 Subaru Crosstrek are not cheap.
The chart below shows 2020 Subaru Crosstrek car insurance rates for teenage drivers aged 16 to 19. Rates are broken out for both male and female drivers due to the significant price difference based on gender.
Prices range from a low of $3,552 to insure a 19-year-old female driver to a high of $5,377 to insure a 16-year-old male driver. These rates assume full-coverage insurance, which causes the cost to be much higher than if they were being only insured with liability insurance.
The good news is rates decline each year after the age of sixteen. Insuring a 17-year-old driver costs an average of $4,982 for females and $5,198 for males. Insuring an 18-year-old would cost an average of $4,277 for females and $4,633 for males. And by age 19, the rates are down to $3,552 and $4,218 for females and males, respectively.
How’s your credit? It can make a difference.
Credit-based insurance scores help insurance companies determine the likelihood of an insured having a claim. Research has shown that drivers with better credit file fewer claims than drivers with poor credit.
Not all states allow your credit score to be taken into consideration when determining car insurance rates, however. And as a twist, some states can even penalize you for not having any credit history.
So if you live in a state the does use credit-based car insurance rates, the table below shows how credit scores can impact insurance rates on a 2020 Subaru Crosstrek for different driver age groups.
| Credit Rating | Age 20 | Age 40 | Age 60 |
|---|---|---|---|
| Excellent (800+) | $2,531 | $1,243 | $1,035 |
| Very Good (740-799) | $2,765 | $1,358 | $1,131 |
| Good (670-739) | $3,002 | $1,474 | $1,228 |
| Fair (580-669) | $3,473 | $1,705 | $1,421 |
| Poor (300-579) | $4,410 | $2,165 | $1,804 |
Data Methodology: Rated drivers have no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2020 Subaru Crosstrek trim levels. Updated February 22, 2024
Water vapor in your car tires can cause tire pressure to fluctuate by 7 psi between the summer and winter months. Nitrogen-filled tires do not have water vapor and hence, no pressure fluctuations.
Crash test ratings and Crosstrek insurance rates
Vehicles that do well in crash testing generally have better car insurance rates. The reason for this is that claims for occupant injuries make up a good portion of claims paid out by car insurance companies.
Safer cars limit or prevent occupant injuries, resulting in lower claims. And companies pass these savings on to you as a cheaper car insurance rate.
The 2020 Subaru Crosstrek fares well in both National Highway Traffic Safety Administration (NHTSA) tests and Insurance Institute for Highway Safety (IIHS) tests. These are the two primary organizations in the U.S. that perform crash tests on vehicles.
For the NHTSA results shown in the table below, the 2020 Crosstrek receives an overall safety rating of five stars, which is the best rating offered.
| Rating Type | 2020 Subaru Crosstrek SW AWD |
|---|---|
| Overall Safety Rating |  |
| Overall Front Crash Rating |  |
| Front Crash Driver | |
| Front Crash Passenger | |
| Overall Side Crash Rating | |
| Side Crash Driver | |
| Side Crash Passenger | |
| Rollover Rating | |
| Rollover Possibility | 15.6% |
Crash test rating data is from the National Highway Traffic Safety Administration. Complete data on the 2020 Subaru Crosstrek including additional crash test results, vehicle recalls, and consumer complaints can be found on the NHTSA website.
In IIHS crash tests, the non-hybrid 2020 Subaru Crosstrek fared well enough to receive an IIHS Top Safety Pick award as long as it’s equipped with the EyeSight Driver-Assist System and LED headlights.
The 2020 Crosstrek hybrid model (second table) received the highest award available from IIHS, the Top Safety Pick+ award.
The two tables below detail the results from the IIHS crash tests on the two models of the 2020 Subaru Crosstrek tested.
 Award applies only to 2020 Subaru Crosstrek models with optional front crash prevention and specific headlights | |
|---|---|
| Small overlap driver side This test simulates a collision with a tree or pole at 40 mph. 25% of the vehicle width strikes the barrier on the driver side. | Good |
| Small overlap passenger side This test simulates a collision with a tree or pole at 40 mph. 25% of the vehicle width strikes the barrier on the passenger side. | Good |
| Moderate overlap This test simulates a frontal offset crash between two vehicles, each going just under 40 mph. 40% of the vehicle width strikes the barrier on the driver side. | Good |
| Side impact This test measures injury potential from a 3,300-pound barrier colliding with the driver side of a 2020 Subaru Crosstrek at 31 mph. | Good |
| Rollover roof strength This test measures the force required to mechanically crush the driver side roof to simulate the effects of a vehicle rollover.Rating applies to both the Impreza 4-door sedan (tested) and wagon versions and to the structurally similar 2018 and later Crosstrek wagon. | Good |
| Head restraints and seats This test simulates a rear impact to see how well the seats and headrests prevent driver injury.Manual cloth seat | Good |
| Headlights This test measures how well the headlights on a Subaru Crosstrek illuminate both straight ahead and on curves.Only certain trims - View details | Good |
| Front crash prevention This test measures the effectiveness of the automatic braking capabilities of the vehicle using tests of 12 and 25 mph.With optional equipment - View details | |
| Daytime pedestrian avoidance This test measures how well the Subaru Crosstrek avoids pedestrians moving both perpendicular and parallel to the vehicle. | |
The previous table displayed IIHS safety ratings for the 2020 Subaru Crosstrek 4-door wagon. It performed well enough to earn a 2020 IIHS Top Safety Pick award.
The table below displays the safety ratings for the 2020 Subaru Crosstrek Hybrid 4-door wagon.
 | |
|---|---|
| Small overlap driver side This test simulates a collision with a tree or pole at 40 mph. 25% of the vehicle width strikes the barrier on the driver side. | Good |
| Small overlap passenger side This test simulates a collision with a tree or pole at 40 mph. 25% of the vehicle width strikes the barrier on the passenger side. | Good |
| Moderate overlap This test simulates a frontal offset crash between two vehicles, each going just under 40 mph. 40% of the vehicle width strikes the barrier on the driver side. | Good |
| Side impact This test measures injury potential from a 3,300-pound barrier colliding with the driver side of a 2020 Subaru Crosstrek at 31 mph. | Good |
| Rollover roof strength This test measures the force required to mechanically crush the driver side roof to simulate the effects of a vehicle rollover. | Good |
| Head restraints and seats This test simulates a rear impact to see how well the seats and headrests prevent driver injury.Power leather seat | Good |
| Headlights This test measures how well the headlights on a Subaru Crosstrek illuminate both straight ahead and on curves. | Good |
| Front crash prevention This test measures the effectiveness of the automatic braking capabilities of the vehicle using tests of 12 and 25 mph. | |
| Daytime pedestrian avoidance This test measures how well the Subaru Crosstrek avoids pedestrians moving both perpendicular and parallel to the vehicle. | |
Based on the NHTSA and IIHS results, the 2020 Crosstrek is a solid choice if you’re looking for a safe vehicle. Insurance rates reflect the results found by these two organizations, as they are some of the better rates available.
Many companies reward customer loyalty with a premium discount. If you qualify, you could save anywhere from $29 to $147 when insuring a 2020 Subaru Crosstrek, depending on the company.