Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Looking for a new or used Subaru Crosstrek? And wondering how much it costs to insure by year? We researched average annual insurance costs for each model year and have compiled the results for you below.

Subaru Crosstrek insurance facts

  • Average full coverage auto insurance premium: $106/month

  • Most affordable companies: Erie ($86/month) & GEICO ($94/month)

  • Crosstrek car insurance cost vs. average rate: $26 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Subaru Crosstrek by model year and auto insurer.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Subura Crosstrek insurer costs by state:

Risk factors affecting Subaru Crosstrek car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on Subaru Crosstrek car insurance?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Subaru models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Subaru Automobile Brand

Subaru is the 21st largest worldwide automobile manufacturer from Japan, selling to a small but devoted group of buyers in the United States market. The target market of Subaru is financially stable middle-aged couples with strong family values. All Volkswagen automobiles have high safety ratings, with many of their vehicles getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Outback, Forester, Impreza, and Crosstrek are some of their most popular vehicles.

Higher than average Crosstrek repair costs equal higher car insurance rates

Many consumers are attracted to Subaru cars for the stability, safety ratings, and driver-assist technologies, such as the forward-collision warning system and their excellent all-wheel drive (AWD) system. Automotive parts are pretty common, but not as cheap as popular vehicles, like Toyota or Honda. Repairing a Subaru is higher than average since repair parts are more expensive and not as available as popular vehicles. For this reason, many Subaru’s are going to have higher than average car insurance rates to similar vehicles in its class.

Fast depreciation for Subaru Crosstrek affecting auto policies

Subarus have a higher than average depreciating value except for the Outback, according to Kelly Blue Book, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Subaru models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

High IIHS and NHTSA safety ratings lower car insurance rates for drivers

Subarus are known for their safety ratings, safety features, 5-star crash test ratings, and EyeSight driver-assist technologies, lowering car insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features in Subaru models. The Outback, WRZ, and Crosstrek are Insurance Institute for Highway Safety (IIHS) “Top Safety Picks,” and the NHTSA consistently gives Subaru top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Subaru automobile owners when buying a car insurance policy.

2021 Subaru Crosstrek

Cheapest Insurance CompaniesAverage Annual Cost
Allied$2049
Allstate$1824
American Family$1306
Amica$2156
Auto-Owners$1864
Direct Auto$1678
Erie$1042
Farmers$1603
GEICO$1128
Liberty Mutual$1425
Mercury$1786
MetLife$2003
Nationwide$1490
Progressive$1388
Safe Auto$1934
State Farm$1534
Tennessee Farmers$1746
Travelers$1633
USAA$1234

Compare all 2021 Subaru Crosstrek rates

Average Cost to Insure Per Year

$1273

List Price

$22245

Trims Available

2.0i Base - 2.0i Premium - 2.0i Limited - Engine: 2.0-liter four-cylinder with 152 horsepower and 184 lb-ft of torque Blind-Spot Detection, Rear Cross-Traffic Alert, Reverse Automatic Braking, with EyeSight driver assist technology, Adaptive Cruise Control, Lane Keep Assist and Sway Warning, Pre-collision braking, Pre-collision throttle management, Active Torque Vectoring, Symmetrical All-Wheel Drive (AWD), Safety Features· Anti-lock brakes · Stability control · Front-impact airbags· Side impact airbags Overhead airbags· Pretensioners · Security system.

2020 Subaru Crosstrek

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1746
American Family$1123
Auto-Owners$1789
Erie$986
Farmers$1520
GEICO$1036
Mercury$1658
MetLife$1987
Nationwide$1435
Progressive$1230
Safe Auto$1824
State Farm$1518
Tennessee Farmers$1752
Travelers$1610
USAA$1237
Vermont Mutual$1934

Compare all 2020 Subaru Crosstrek rates

Average Cost to Insure Per Year

$1195

List Price

$22145

Trims Available

2.0i Base - 2.0i Premium - 2.0i Limited - Engine: 2.0-liter four-cylinder with 152 horsepower and 184 lb-ft of torque Blind-Spot Detection, Rear Cross-Traffic Alert, Reverse Automatic Braking, with EyeSight driver assist technology, Adaptive Cruise Control, Lane Keep Assist and Sway Warning, Pre-collision braking, Pre-collision throttle management, Active Torque Vectoring, Symmetrical All-Wheel Drive (AWD), Safety Features· Anti-lock brakes · Stability control · Front-impact airbags· Side impact airbags Overhead airbags· Pretensioners · Security system.

2019 Subaru Crosstrek

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1736
American Family$1260
Auto-Owners$1777
Direct Auto$1680
Erie$1022
Farmers$1547
GEICO$1131
Liberty Mutual$1154
MetLife$2016
Nationwide$1429
Progressive$1328
Safe Auto$1826
State Farm$1520
Tennessee Farmers$1621
Travelers$1584
USAA$1359
Vermont Mutual$1911

Compare all 2019 Subaru Crosstrek rates

Average Cost to Insure Per Year

$1129

List Price

$21895

Trims Available

2.0i Base - 2.0i Premium - 2.0i Limited - Engine: 2.0-liter four-cylinder with 152 horsepower and 184 lb-ft of torque Blind-Spot Detection, Rear Cross-Traffic Alert, Reverse Automatic Braking, with EyeSight driver assist technology, Adaptive Cruise Control, Lane Keep Assist and Sway Warning, Pre-collision braking, Pre-collision throttle management, Active Torque Vectoring, Symmetrical All-Wheel Drive (AWD), Safety Features· Anti-lock brakes · Stability control · Front-impact airbags· Side impact airbags Overhead airbags· Pretensioners · Security system.

2018 Subaru Crosstrek

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1108
Acuity$ 1108
Allied$ 1133
Allied$ 1133
American Family$ 1055
American Family$ 1055
Country$ 1137
Country$ 1137
Erie$ 717
Erie$ 717
GEICO$ 586
GEICO$ 586
Nationwide$ 999
Nationwide$ 999
Plymouth Rock Insurance$ 1112
Plymouth Rock Insurance$ 1112
Progressive$ 696
Progressive$ 696
State Farm$ 709
State Farm$ 709
USAA$ 880
USAA$ 880
Vermont Mutual$ 1014
Vermont Mutual$ 1014

Compare all 2018 Subaru Crosstrek rates

Average Cost to Insure Per Year

$ 954

List Price

$ 21795

Trims Available

2.0i Base - 2.0i Premium - 2.0i Limited

2017 Subaru Crosstrek

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1104
Acuity$ 1104
American Family$ 1134
American Family$ 1134
Arbella$ 1138
Arbella$ 1138
Country$ 1143
Country$ 1143
Erie$ 699
Erie$ 699
GEICO$ 560
GEICO$ 560
Nationwide$ 1051
Nationwide$ 1051
Plymouth Rock Insurance$ 1105
Plymouth Rock Insurance$ 1105
Progressive$ 764
Progressive$ 764
State Farm$ 841
State Farm$ 841
USAA$ 885
USAA$ 885
Vermont Mutual$ 983
Vermont Mutual$ 983

Compare all 2017 Subaru Crosstrek rates

Average Cost to Insure Per Year

$ 1354

List Price

$ 21695

Trims Available

2.0i Base - 2.0i Premium - 2.0i Limited - 2.0i Special Edition

2016 Subaru Crosstrek

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1057
Acuity$ 1057
American Family$ 996
American Family$ 996
Country$ 1079
Country$ 1079
Erie$ 667
Erie$ 667
GEICO$ 531
GEICO$ 531
Nationwide$ 1033
Nationwide$ 1033
Plymouth Rock Insurance$ 1074
Plymouth Rock Insurance$ 1074
Progressive$ 686
Progressive$ 686
State Farm$ 773
State Farm$ 773
Tennessee Farmers$ 1051
Tennessee Farmers$ 1051
USAA$ 805
USAA$ 805
Vermont Mutual$ 942
Vermont Mutual$ 942

Compare all 2016 Subaru Crosstrek rates

Average Cost to Insure Per Year

$ 1194

List Price

$ 21595

Trims Available

2.0i Base - 2.0i Premium - 2.0i Limited - 2.0i Special Edition - Hybrid - Hybrid Touring