Subaru Crosstrek Car Insurance Cost
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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
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Average full coverage auto insurance premium: $106/month
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Most affordable companies: Erie ($86/month) & GEICO ($94/month)
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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.
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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:
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Colorado car insurance – $1,278 per year
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Kentucky car insurance – $1,380 per year
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New York car insurance – $1,877 per year
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Arizona – $1,032 per year
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Virginia – $1,264 per year
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 score, type 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
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Student discounts
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Safe drivers
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Senior discounts
With all Subaru models, you can get the following car insurance discounts:
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Passive restraint systems
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Anti-lock brakes
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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.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
2021 Subaru Crosstrek
Cheapest Insurance Companies | Average Annual Cost |
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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 Companies | Average Annual Cost |
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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 Companies | Average Annual Cost |
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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 Companies | Average Annual Cost |
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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 Companies | Average Annual Cost |
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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 Companies | Average Annual Cost |
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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