Key Takeaways
Subaru Crosstrek insurance cost is $112 on average, per month. This insurance rate depends upon various factors such as trim levels, model years, credit score, etc. By managing some of these parameters that insurers point out as important, you can cut the Subaru Crosstrek insurance rates. Learn the bet methods to find cheap Subaru Crosstrek insurance quotes and how to choose the cheapest insurance company for your favorite car.
Subaru Crosstrek auto insurance cost, on average, is $1,344 per year. Various factors, such as trim level, driving history, location, etc., affect the cost of car insurance. The model year is a significant factor in calculating the cheapest car insurance rate. With older model years, the insurance rate for collision and comprehensive coverage seems to go down. On the other hand, the liability insurance rates increase with the age of the car. Here is an overview of the average annual and monthly insurance rates for selected Subaru Crosstrek model years.
| Subaru Crosstrek Model Years | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| Subaru Crosstrek 2020 Model Year | $1,354 | $112 |
| Subaru Crosstrek 2019 Model Year | $1,440 | $120 |
| Subaru Crosstrek 2018 Model Year | $882 | $73 |
| Subaru Crosstrek 2017 Model Year | $1,282 | $106 |
| Subaru Crosstrek 2016 Model Year | $1,870 | $155 |
Compared to the insurance rates of fellow cars in similar segments, the Subaru Crosstrek insurance rates are relatively lower. Go through the average insurance rates of various car models in the subcompact crossover segment.
| Car Model | Average Annual Rate | Average Monthly Rate |
|---|---|---|
| Honda HR-V | $1,236 | $103 |
| Subaru Crosstrek | $1,344 | $112 |
| Chevrolet Trax | $1,368 | $114 |
| Hyundai Kona | $1,369 | $114 |
| Jeep Renegade | $1,404 | $117 |
Auto insurance providers value certain factors that can impact the Subaru Crosstrek car insurance quotes. The weightage given to each of these factors varies among the insurers. The important factors that impact the Subaru Crosstrek insurance rates are:
Subaru Crosstrek Model year : The make year of Subaru Crosstrek has a significant role in determining the insurance cost. While the cars of newer model years have high residual value, advanced technology, and costlier parts, the comprehensive and collision policy rates will be higher.
Subaru Crosstrek Higher Trim: The trim levels of Subaru Crosstrek heavily influence auto insurance costs. While the insurance rates for the Subaru Crosstrek Base trim are lower, the top variants, such as Crosstrek Premium, Crosstrek Limited, and Crosstrek Hybrid, are higher. The variation in insurance cost is due to the change in technology used, repair costs, and market value.
Subaru Crosstrek safety tech: The standard and added safety features in Subaru Crosstrek improve the safety of passengers and reduce the risk of incurring liability claims. Therefore, insurers value such features and reduce the insurance rate according to the advanced safety features installed.
Subaru Crosstrek annual mileage: The annual mileage of your Subaru Crosstrek is another factor considered when calculating the possible risks. Higher mileage increases the risk of incurring accidents. However, those who are using the car only for weekends and occasional getaways can declare so with the insurer and seek a way to reduce the insurance cost.
Subaru Crosstrek driver's credit score: Insurers access your credit score to build the insurance score. It has been observed that drivers with higher credit scores receive relatively lower premium offers. A better credit score assures a continuous policy without discontinued payments.
Subaru Crosstrek theft rate: Each car model is evaluated based on the rate of theft occurrences. The models with a history of high theft incidents are relatively costlier to insure. However, the Subaru Crosstrek is not classed under the high-theft category.
Subaru Crosstrek deductible: Adjusting deductibles can impact the Subaru Crosstrek insurance cost. The higher the deductibles, the lower the insurance rate.
Subaru Crosstrek insurance rates vary according to the model years and insurance providers. The average rate to insure the Subaru Crosstrek across 140+ insurers and model years is $1,344.
Erie, Vermont Mutual, and State Farm are the cheapest car insurance companies offering low annual premiums for Subaru Crosstrek models. Here is a glimpse of the average minimum premiums charged by leading insurance companies.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| Erie | $871 | $73 |
| Vermont Mutual | $896 | $75 |
| State Farm | $980 | $82 |
| Nationwide | $981 | $82 |
| USAA | $1,030 | $86 |
| Country | $1,117 | $93 |
| American Family | $1,120 | $93 |
| Arbella | $1,122 | $93 |
| Acuity | $1,169 | $97 |
The average annual 2020 Subaru Crosstrek insurance cost is $1,354. Vermont Mutual offers the average minimum monthly insurance cost for the car model year at $73. The cheapest average annual insurance rate for the Crosstrek model year ranges between $877 and $1,357.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| Vermont Mutual | $877 | $73 |
| Nationwide | $934 | $78 |
| Erie | $1,126 | $94 |
| Country | $1,151 | $96 |
| Arbella | $1,153 | $96 |
| State Farm | $1,191 | $99 |
| USAA | $1,234 | $103 |
| Tennessee Farmers | $1,242 | $104 |
| Acuity | $1,269 | $106 |
| Southern Farm Bureau | $1,306 | $109 |
| MetLife | $1,357 | $113 |
Cincinnati Insurance offers the cheapest average insurance for the Subaru Crosstrek 2019 model year. The annual average premium offered by the insurer is $899. The average annual Subaru Crosstrek insurance cost for the model year is $1,440.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| Cincinnati Insurance | $899 | $75 |
| Erie | $1,031 | $86 |
| Nationwide | $1,095 | $91 |
| Auto-Owners | $1,114 | $93 |
| Country | $1,131 | $94 |
| Arbella | $1,144 | $95 |
| USAA | $1,199 | $100 |
| State Farm | $1,212 | $101 |
| Acuity | $1,243 | $104 |
| Southern Farm Bureau | $1,306 | $109 |
| American Family | $1,314 | $110 |
Progressive, followed by State Farm, Erie, and USAA, are some of the cheapest auto insurance companies for the Subaru Crosstrek 2018 model year. The minimum average monthly premium for the model year is $624. The average Subaru Crosstrek car insurance cost across 140+ insurance providers for the model year is $882.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| Progressive | $624 | $52 |
| State Farm | $637 | $53 |
| Erie | $645 | $54 |
| USAA | $808 | $67 |
| Nationwide | $927 | $77 |
| Vermont Mutual | $942 | $79 |
| American Family | $983 | $82 |
| Acuity | $1,036 | $86 |
| Plymouth Rock Insurance | $1,040 | $87 |
| Country | $1,065 | $89 |
| Arbella | $1,114 | $93 |
The average annual cost to insure the Subaru Crosstrek 2017 model year is $1,282. The cheapest insurance company for the model year is Erie, with an average annual premium offer of $627.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| Erie | $627 | $52 |
| Progressive | $692 | $58 |
| State Farm | $769 | $64 |
| USAA | $813 | $68 |
| Vermont Mutual | $911 | $76 |
| Nationwide | $979 | $82 |
| Acuity | $1,032 | $86 |
| Plymouth Rock Insurance | $1,033 | $86 |
| American Family | $1,062 | $89 |
| Arbella | $1,066 | $89 |
| Country | $1,071 | $89 |
The cheapest average annual Subaru Crosstrek insurance rates for the 2016 model year range between $852 and $1,272. The average annual rate for this model year is $1,870.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| Vermont Mutual | $852 | $71 |
| Erie | $928 | $77 |
| Nationwide | $968 | $81 |
| State Farm | $1,091 | $91 |
| USAA | $1,098 | $92 |
| Tennessee Farmers | $1,116 | $93 |
| Arbella | $1,131 | $94 |
| Country | $1,165 | $97 |
| Amica | $1,211 | $101 |
| Acuity | $1,266 | $106 |
| Grange Insurance | $1,272 | $106 |
The standard and advanced safety features of Subaru Crosstrek improve the safety of passengers and fellow riders. Insurers value such features that can mitigate a possible accident and lower the Subaru Crosstrek insurance rates accordingly. Here are some of the standard and advanced safety features of Subaru Crosstrek.
The Insurance Institute of Highway Safety has given an overall good rating after conducting various tests. Here is an oversight of the important test types and ratings given by the IIHS
| IIHS Safety
Test Type |
IIHS Safety
Test Ratings |
|---|---|
| Small overlap front: driver-side | Good |
| Small overlap front: passenger-side | Good |
| Moderate overlap front: original test | Good |
| Side: original test | Good |
| Roof strength | Good |
| Head restraints & seats | Good |
Choose Lower-Risk Trim Levels: If you are planning to buy a Subaru Crosstrek for regular use, it is highly advisable to choose a base trim of the car. The lower trim levels of the car possess a lesser risk and, therefore, will help to get cheap insurance rates.
Safety Ratings: With high safety ratings and advanced safety features, Subaru Crosstrek is one of the best bets for insurers. Leverage the safety of the car model and get your insurance premium lowered.
Usage-Based Insurance: If you are a pleasure user, ask for low annual mileage discounts and use telematics to lower the insurance rates.
Maintain a High Credit Score: Drivers with decent and superior credit scores are more likely to get lower insurance rates. Therefore, manage your credit scores and try not to make discontinued insurance subscriptions.
Bundle with Home or Renters Insurance : Bundle your other home and auto insurance affiliated with the same insurance.
Shop Around Annually : If you are getting cheaper quotes from other insurers, choose the best one. Compare your loyalty benefits with the discounts, offers, and welcome bonuses offered.
Compare Quotes from multiple insurers. Since each of the car insurance providers calculates premiums for the Subaru Crosstrek using their methods, the weightage given to certain parameters varies, hence the insurance rates, too. By comparing multiple quotes, you can find the cheap Subaru Crosstrek insurance quotes. Use applications such as Way to get quotes from 140+ car insurance providers in a single platform.
Check Safety Discounts for the advanced safety features installed in Subaru Crosstrek. Some insurers give additional benefits through discounts and special offers for the latest safety features. Check if your Subaru Crosstrek trim level qualifies for the rate.
Try Usage-Based Programs if you are driving conservatively. By tracking your real-time driving, the insurance cost can be lowered.
Bundle and Apply Crosstrek-Specific Discounts. Bundle your other home and auto insurance affiliated with the same insurance.
Sign up for the Way.com web or mobile application and enter the accurate details regarding the car user and vehicle. The unique working of Way.com fetches your current insurance details and helps you to finish the required forms easily. Now, you can compare cheap Subaru Crosstrek car insurance quotes from the best car insurance providers in the USA.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Way.com’s Insurance Broker Quote Data
The average annual insurance cost for Subaru Crosstrek is $1,344. Various factors, such as trim level, driver's age, zip code, driving history, model years, etc., influence the insurance cost of Subaru Crosstrek.
No, Subaru Crosstrek auto insurance rates are not high when compared to those of its competitors, such as the Chevrolet Trax, Hyundai Kona, and Jeep Renegade. All the same, depending on the trim level, zip code, and other variables, the insurance cost can vary.
The cheapest Subaru Crosstrek to insure is a 2016 base trim model.
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