Subaru Crosstrek Car Insurance Cost 2025
On average, insuring a Subaru Crosstrek costs around $1,790 per year. However, your actual premium may vary depending on factors like your age, driving history, the model year of your Crosstrek, and your location. To get a more personalized estimate, you can refer to the quote tables below.
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Insuring a 2025 Subaru Crosstrek is generally affordable compared to other compact SUVs. On average, full coverage costs approximately $1,790 per year, or about $149 per month. This rate is lower than the national average for similar vehicles, making the Crosstrek a cost-effective choice for insurance.
Factors contributing to its lower premiums include strong safety ratings and Subaru’s reputation for reliability. However, individual insurance costs can vary based on factors such as the driver’s age, location, driving history, and the specific trim level of the vehicle.
For instance, higher trims with advanced features may lead to slightly higher premiums. Overall, the Subaru Crosstrek offers a budget-friendly option for those seeking a reliable vehicle with reasonable insurance expenses.
How Much Does Subaru Crosstrek Car Insurance Cost?
Typically, Subaru Crosstrek drivers can expect to pay an average of $1,790 per year for car insurance. However, individual rates may vary based on several factors, including driver profile, location, and coverage choices.
The cost of car insurance can vary widely depending on several key factors, including your location, driving history, the model year of your vehicle, and the specific coverage options you choose. For instance, maintaining a clean driving record can help you qualify for lower premiums, while a history of accidents or traffic violations may increase your rates.
Urban residents often face higher premiums due to increased traffic and accident risks, compared to those living in rural areas. Additionally, your choice of coverage plays a big role—comprehensive coverage, which includes both collision and non-collision incidents, is typically more expensive than basic liability coverage.
As shown in the table below, the average insurance cost for a Subaru Crosstrek is lower than the average for all Subaru models. In fact, it’s also more affordable than the average insurance cost across all vehicle types. To help you find the best policy, Insuranceopedia makes it easy to compare quotes from multiple insurance providers in one place.
| Vehicle | Average Monthly Premium |
| Subaru Crosstrek | $135 |
| All Subarus | $160 |
| All Cars | $175 |
Average Insurance Cost Of Subaru Crosstrek By Model Year
| Model Year | Average Premium |
| 2025 Subaru Crosstrek | $722 |
| 2024 Subaru Crosstrek | $988 |
| 2023 Subaru Crosstrek | $633 |
| 2022 Subaru Crosstrek | $780 |
| 2021 Subaru Crosstrek | $527 |
| 2020 Subaru Crosstrek | $830 |
| 2019 Subaru Crosstrek | $537 |
| 2018 Subaru Crosstrek | $583 |
| 2017 Subaru Crosstrek | $691 |
| 2016 Subaru Crosstrek | $402 |
2025 Subaru Crosstrek Insurance Rates
The average annual insurance cost for a 2025 Subaru Crosstrek is $722. However, Mile Auto offers the cheapest rates, averaging $620 per year.
| Insurance Provider | Average Annual Cost |
| Mile Auto | $620 |
| Hugo | $660 |
| ACG | $670 |
| Verti | $700 |
| Acceptance | $720 |
| Travelers | $740 |
| Clearcover | $760 |
| Nationwide | $780 |
| Root | $800 |
| GEICO | $820 |
2024 Subaru Crosstrek Insurance Rates
The average annual insurance cost for a 2024 Subaru Crosstrek is $988. However, Pekin Insurance offers the cheapest rates, averaging $721 per year.
| Insurance Provider | Average Annual Cost |
| Wolverine Mutual | $830 |
| West Bend Mutual | $1,115 |
| Arbella Insurance Group | $1,111 |
| Farm Bureau Mutual (IA Group) | $1,033 |
| Pekin Insurance | $721 |
| Plymouth Rock Assurance | $983 |
| National General Value | $833 |
| SECURA Insurance | $1,116 |
| Rural Mutual Insurance | $1,111 |
| Hastings Mutual Insurance Co | $1,023 |
2023 Subaru Crosstrek Insurance Rates
The average annual insurance cost for a 2023 Subaru Crosstrek is $633. However, Safeco offers the cheapest rates, averaging $304 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $419 |
| New Jersey Manufacturers | $917 |
| PEMCO | $722 |
| American National P | $675 |
| Safeco | $304 |
| NatGen Value | $496 |
| Victoria | $334 |
| Pekin Insurance | $866 |
| Texas Farm Bureau Group | $891 |
| Capital Insurance Group | $709 |
2022 Subaru Crosstrek Insurance Rates
The average annual insurance cost for a 2022 Subaru Crosstrek is $780. However, American National P offers the cheapest rates, averaging $469 per year.
| Insurance Provider | Average Annual Cost |
| Pekin Insurance | $683 |
| Tennessee Farmers | $969 |
| Safeco | $898 |
| West Bend Mutual | $796 |
| American National P | $469 |
| Texas Farm Bureau Group | $766 |
| Plymouth Rock | $545 |
| Southern Farm Bureau | $909 |
| Rockford Mutual Insurance | $910 |
| Western Reserve | $855 |
2021 Subaru Crosstrek Insurance Rates
The average annual insurance cost for a 2021 Subaru Crosstrek is $527. However, Victoria offers the cheapest rates, averaging $393 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Custom 360 | $417 |
| AssuranceAmerica Economy | $745 |
| Buckeye Insurance Group | $555 |
| Commerce Group Inc | $499 |
| Victoria | $393 |
| Pekin Insurance | $536 |
| American National P | $416 |
| Concord Group | $595 |
| SafeAuto | $582 |
| Safeco | $536 |
2020 Subaru Crosstrek Insurance Rates
The average annual insurance cost for a 2020 Subaru Crosstrek is $527. However, American National P offers the cheapest rates, averaging $407 per year.
| Insurance Provider | Average Annual Cost |
| Tennessee Farmers | $811 |
| Capital Insurance Group | $1,050 |
| Rural Mutual Insurance | $917 |
| PEMCO | $837 |
| American National P | $407 |
| Texas Farm Bureau Group | $811 |
| Safeco | $632 |
| Wolverine Mutual | $941 |
| North Carolina Farm Bureau | $1,005 |
| Atlantic States Insurance | $888 |
2019 Subaru Crosstrek Insurance Rates
The average annual insurance cost for a 2019 Subaru Crosstrek is $537. However, Safeco offers the cheapest rates, averaging $489 per year.
| Insurance Provider | Average Annual Cost |
| Union Mutual Fire Group | $428 |
| Titan | $729 |
| AssuranceAmerica Economy | $550 |
| Kemper Auto Premier | $477 |
| Safeco | $389 |
| American National P | $467 |
| Utica National Ins Group | $377 |
| Clearcover | $674 |
| Rural Mutual Insurance | $744 |
| Dairyland Auto 1 Month | $537 |
2018 Subaru Crosstrek Insurance Rates
The average annual insurance cost for a 2018 Subaru Crosstrek is $583. However, Safeco offers the cheapest rates, averaging $344 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Personal Insurance | $470 |
| Norfolk and Dedham Group | $806 |
| Safety Group | $657 |
| Countryway Insurance | $621 |
| Safeco | $344 |
| Concord Group | $530 |
| NatGen Custom 360 | $388 |
| Pekin Insurance | $645 |
| American National P | $709 |
| Buckeye Insurance Group | $657 |
2017 Subaru Crosstrek Insurance Rates
The average annual insurance cost for a 2017 Subaru Crosstrek is $691. However, Safeco offers the cheapest rates, averaging $350 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Value | $693 |
| Countryway Insurance | $908 |
| Mercury Insurance | $788 |
| Concord Group | $745 |
| Safeco | $350 |
| Infinity Special | $729 |
| American National P | $328 |
| Buckeye Insurance Group | $815 |
| Pekin Insurance | $818 |
| North Carolina Farm Bureau | $738 |
2016 Subaru Crosstrek Insurance Rates
The average annual insurance cost for a 2016 Subaru Crosstrek is $402. However, Kemper Auto | Infinity offers the cheapest rates, averaging $149 per year.
| Insurance Provider | Average Annual Cost |
| AssuranceAmerica Economy | $324 |
| Pekin Insurance | $664 |
| Kemper Auto | $452 |
| Mercury Insurance | $407 |
| Kemper Auto | Infinity | $149 |
| NatGen Value | $339 |
| NatGen Custom 360 | $201 |
| American National P | $503 |
| AssuranceAmerica Elite | $506 |
| Union Mutual Fire Group | $471 |
Find Affordable Subaru Crosstrek Insurance Rates
Are Subaru Crosstreks Expensive To Insure?
Insuring a 2025 Subaru Crosstrek is generally affordable compared to many other vehicles. On average, drivers can expect to pay around $1,933 annually for full coverage, which is lower than the national average for popular SUV models by approximately $1,144. This cost-effectiveness is attributed to the Crosstrek’s strong safety ratings and Subaru’s reputation for reliability. However, insurance premiums can vary based on factors such as the driver’s age, location, driving history, and the specific trim level of the vehicle. For instance, higher trims with advanced features may lead to slightly higher premiums. Overall, the Subaru Crosstrek offers a cost-effective option for those seeking a reliable SUV with reasonable insurance expenses.
Cost of Subaru Crosstrek Car Insurance By Age
Age is one of the most influential factors when it comes to determining car insurance rates. Teen drivers tend to pay the highest premiums due to their lack of driving experience and a higher likelihood of being involved in accidents. As drivers gain more experience and maintain a clean driving record, their risk level decreases in the eyes of insurance providers. This typically results in lower premiums as they get older, especially for those in their 30s, 40s, and beyond.
| Drive Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $6,396 | $9,385 | $10,990 |
| 18 | $5,970 | $8,771 | $10,263 |
| 19 | $5,233 | $7,737 | $9,041 |
| 20 | $4,591 | $6,758 | $7,902 |
| 21 | $3,816 | $5,644 | $6,620 |
| 22 | $3,738 | $5,488 | $6,460 |
| 23 | $3,312 | $4,827 | $5,624 |
| 24 | $3,138 | $4,562 | $5,385 |
| 25 | $2,669 | $3,942 | $4,625 |
| 30 | $2,082 | $3,097 | $3,607 |
| 35 | $1,994 | $2,876 | $3,354 |
| 40 | $1,914 | $2,748 | $3,245 |
| 45 | $1,836 | $2,700 | $3,149 |
| 55 | $1,697 | $2,465 | $2,907 |
| 65 | $1,734 | $2,611 | $3,001 |
| 75 | $2,203 | $3,215 | $3,815 |
Subaru Crosstrek Car Insurance Rates By State
Your location has a major impact on how much you pay for car insurance. Each state sets its own regulations for auto coverage, which can lead to significant differences in premiums. For instance, states like Michigan tend to have higher average rates due to required levels of coverage. Local climate also plays a role—areas prone to natural disasters like hurricanes or floods may see higher insurance costs.
In addition, insurers look at regional data such as crime rates, accident frequency, and vehicle theft statistics. If you live in an area with high traffic congestion or a history of collisions and thefts, you’re likely to face higher premiums. All of these geographic and environmental factors are considered when determining your specific insurance rate for a Subaru Crosstrek.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,004 | $2,889 | $3,699 |
| Alaska | $1,623 | $2,312 | $2,249 |
| Arizona | $1,869 | $2,717 | $4,002 |
| Arkansas | $2,027 | $3,207 | $3,562 |
| California | $2,289 | $4,024 | $2,256 |
| Colorado | $2,118 | $3,002 | $3,802 |
| Connecticut | $2,723 | $4,220 | $5,363 |
| Delaware | $2,261 | $3,019 | $3,823 |
| Florida | $2,666 | $3,708 | $4,838 |
| Georgia | $846 | $1,174 | $875 |
| Hawaii | $1,531 | $2,023 | $2,418 |
| Idaho | $1,613 | $2,413 | $2,730 |
| Illinois | $1,627 | $2,479 | $2,804 |
| Indiana | $1,291 | $1,777 | $2,080 |
| Iowa | $1,711 | $2,498 | $2,922 |
| Kansas | $2,484 | $3,640 | $4,300 |
| Kentucky | $3,187 | $4,822 | $5,247 |
| Louisiana | $1,228 | $1,654 | $2,503 |
| Maine | $1,993 | $2,857 | $3,155 |
| Maryland | $1,573 | $2,731 | $1,543 |
| Massachusetts | $3,816 | $5,779 | $9,083 |
| Michigan | $1,558 | $2,082 | $2,924 |
| Minnesota | $1,907 | $2,684 | $2,727 |
| Mississippi | $1,799 | $2,526 | $3,346 |
| Missouri | $1,783 | $2,504 | $2,909 |
| Montana | $1,528 | $2,275 | $2,472 |
| Nebraska | $2,467 | $3,718 | $3,931 |
| Nevada | $1,780 | $2,774 | $3,489 |
| New Hampshire | $1,919 | $3,027 | $3,937 |
| New Jersey | $1,948 | $2,907 | $3,051 |
| New Mexico | $1,844 | $2,315 | $3,818 |
| New York | $1,114 | $1,948 | $1,411 |
| North Carolina | $1,540 | $2,331 | $2,779 |
| North Dakota | $1,352 | $2,103 | $2,168 |
| Ohio | $2,170 | $3,126 | $3,536 |
| Oklahoma | $1,994 | $2,664 | $3,204 |
| Oregon | $1,700 | $2,477 | $2,898 |
| Pennsylvania | $2,812 | $4,119 | $4,671 |
| Rhode Island | $1,888 | $2,612 | $3,654 |
| South Carolina | $1,739 | $2,478 | $2,887 |
| South Dakota | $2,014 | $2,957 | $3,926 |
| Tennessee | $2,009 | $2,935 | $3,650 |
| Texas | $1,743 | $2,420 | $3,350 |
| Utah | $1,313 | $2,084 | $2,118 |
| Vermont | $1,271 | $1,941 | $1,860 |
| Virginia | $1,665 | $2,244 | $2,730 |
| Washington | $1,658 | $2,399 | $3,014 |
| West Virginia | $1,642 | $2,600 | $2,960 |
| Wisconsin | $1,538 | $2,172 | $2,332 |
| Wyoming | $2,184 | $3,272 | $3,301 |
Find Affordable Subaru Crosstrek Insurance Rates
Cheapest Car Insurance Companies For A Subaru Crosstrek
The 2025 Subaru Crosstrek, known for its safety features and reliability, has varying insurance costs depending on the provider. Mile Auto offers the most affordable estimated annual premium at approximately $620, translating to about $52 per month. Hugo and ACG also provide competitive rates, with annual premiums around $660 and $670, respectively. On the higher end, Acceptance’s estimated annual premium stands at $720, or $60 monthly. These variations underscore the importance of comparing quotes from multiple insurers to find the best rate tailored to individual needs and circumstances.
| Insurance Company | Average Monthly |
| Mile Auto | $52 |
| Hugo | $55 |
| ACG | $56 |
| Verti | $58 |
| Acceptance | $60 |
Common Subaru Crosstrek Insurance Discounts
Discounts are an excellent way to reduce the overall cost of your car insurance. While each insurance company has its own set of discounts, there are several common ones you may be eligible for:
- Multi-policy discount: If you bundle your auto insurance with other types of insurance, like home or renters insurance, many providers will offer a lower rate.
- Annual payment discount: Paying your premium in full for the entire year—rather than making monthly payments—can often earn you a discount.
- Defensive driving discount: Completing a certified defensive driving course can make you eligible for a reduced premium with some insurers.
In addition to these, many other discounts may be available depending on your driving habits, vehicle features, and personal circumstances. It’s a good idea to speak with your insurance agent to ensure you’re taking advantage of every discount you qualify for.
Ways To Save On Subaru Crosstrek Insurance Costs
Maintaining a clean driving record is one of the most effective ways to keep your Subaru Crosstrek insurance premiums affordable. Infractions like speeding tickets or involvement in accidents can significantly increase your rates. For example, Crosstrek drivers with a ticket on their record pay around $66 per month, while those with multiple accidents may see premiums rise to about $83 per month. By practicing safe driving habits and avoiding these incidents, you can help keep your insurance costs down.
Mileage also plays a role in insurance pricing. Drivers who spend less time on the road are considered lower risk and generally pay less. Subaru Crosstrek owners who drive between 7,501 and 10,000 miles annually pay approximately $64 per month. Interestingly, those who drive more than 10,000 miles per year tend to pay slightly less, averaging about $60 per month—suggesting that insurers may weigh other factors, like driver history, more heavily in higher-mileage brackets.
Compare Subaru Crosstrek To Other Subaru Models
Looking for other Subaru model insurance costs?
Our Methodology
To determine the average cost of car insurance, Insuranceopedia collected and analyzed thousands of quotes from top auto insurance providers. The sample profile used for this analysis was a 40-year-old male purchasing a full-coverage policy, which included $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. Keep in mind that these figures serve as a general reference, and your actual insurance rates may differ based on your unique profile and circumstances.
Quotes Analyzed
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FAQs
Do You Need Insurance Before You Can Purchase A Subaru Crosstrek?
Yes, you’ll need to show proof of insurance before driving your Subaru Crosstrek off the dealership lot. The smartest approach is to purchase a policy in advance and notify your insurance company that you’re about to buy a new vehicle. This way, you’ll have coverage ready without relying on the typically more expensive insurance options offered by dealerships.
How Can You Get The Cheapest Insurance For Your Subaru Crosstrek?
The best way to find the cheapest rates for your Subaru Crosstrek is by shopping around and comparing quotes from different auto insurance companies. Fortunately, Insuranceopedia makes it easy by allowing you to compare quotes from multiple providers directly on our website, helping you find the best deal for your needs.
