Is a Crosstrek expensive to insure?

Compared to the national monthly average car insurance rate of $223, the Crosstrek is priced at $184, making it a more affordable car to insure than other models. However, your rate could be higher or lower than average depending on many factors, like your driving record, coverage or trim selection.

How can I save money on Crosstrek insurance?

There are several ways to save money on Crosstrek insurance, and they work for all other vehicles as well. While maintaining a clean driving record is the best way to ensure lower insurance rates, that isn't always possible. However, you can compare quotes from multiple carriers, bundle auto and home policies and speak to your agent about insurance discounts or low mileage programs.

Is Subaru discontinuing the Crosstrek?

No, Subaru is not discontinuing the Crosstrek. In fact, it was recently redesigned for the 2024 model year with updated features and styling.

Car Insurance for Subaru Crosstrek

How much does it cost to insure a Crosstrek?

Subaru Crosstrek insurance averages $2,204 per year for full coverage according to rate data from Quadrant Information Services. This works out to $184 per month, which is 17 percent less than the national average.

Insurance rates for the Subaru Crosstrek can fluctuate based on the trim level you choose and your personal insurance rating factors. Higher trims with advanced tech and premium materials may cost more to insure due to increased repair costs. Factors like your driving history, age and location also play a major role in your final premium.

$2,204 Avg annual full coverage
insurance premium

$743 Avg annual min coverage
insurance premium

Manufacturer’s suggested retail price (MSRP): $26,560

Trims available: The Crosstrek is available in Base, Premium, Sport, Limited and Wilderness levels.

Repair costs

According to RepairPal, the Subaru Crosstrek has an average annual maintenance cost of $492, which is below the national average. Lower parts and labor costs can contribute to lower insurance premiums.

Safety features

Standard advanced safety tech like Subaru's Eyesight system can reduce the risk of accidents, potentially making the Crosstrek a lower-risk vehicle in the eyes of insurers.

Crash ratings

The Subaru Crosstrek has received favorable crash test ratings from organizations like the Insurance Institute of Highway Safety, which may positively influence premiums depending on the insurer.

Cheapest car insurance companies for a Crosstrek

The best way to find an affordable car insurance rate for your Subaru Crosstrek is to compare quotes from multiple carriers, since rates can vary widely depending on how each company weighs your risk. To help you get started, we’ve compiled a list of average rates from some of the best insurance companies in the table below. These estimates reflect insurance pricing for this model without sacrificing important factors like coverage options, customer service or the financial strength of the insurer.

How much does it cost to insure my Crosstrek?

While the following rates offer a helpful starting point, it's always best to get personalized quotes for the most accurate rate based on your unique profile.

2023 Crosstrek car insurance premium by carrier


Erie	$1,621	- $583
Geico	$1,886	- $318
Nationwide	$1,460	- $744
Plymouth Rock	$1,412	- $792
Progressive	$1,663	- $541

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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Powered by Coverage.com (NPN: 19966249)

Advertising disclosure

This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Insurance disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Other car insurance coverage for a Crosstrek

When shopping for car insurance, it’s important to focus on finding coverage that fits your needs, not just the cheapest rate. Minimum coverage requirements vary by state and meet legal standards, but they may not provide enough financial protection if you’re involved in a severe accident or your vehicle is damaged or stolen. To help better protect your finances, you may want to consider adding these additional coverage options:

Collision coverage: May pay for damage to your vehicle after an accident, regardless of fault.
Comprehensive coverage: May cover damage from other than collision, such as theft, vandalism, fire or sudden weather damage, like hail or flooding.
Gap insurance: This insurance may cover the difference between what you owe on your car and its actual cash value, if it's totaled in a covered claim.

How to get a Crosstrek car insurance quote

You can get an insurance quote for your car online, over the phone or in person, depending on the insurer. If you're in the market for a new vehicle, comparing quotes before you sign on the dotted line can help you determine how different models would fit into your budget. Here’s a step-by-step guide to gathering and comparing quotes:

Gather personal details: You’ll likely be asked to provide your name, address, date of birth and driver’s license number, as well as the make, model and year of your car — and potentially the vehicle identification number (VIN). If you haven't purchased a car yet, you may be able to get sample quotes by providing an agent with the make and model.
Use online quote tools: To expedite the process of shopping around, you might consider using comparison websites or apps that allow you to get quotes from multiple insurers at once. Alternatively, go directly to insurance company websites and use their online quote tools to receive personalized quotes.
Provide driver details and mileage: You could be asked for specific details about your vehicle, including add-on features or modifications. You might also need to provide your average annual mileage and how the vehicle is primarily used (e.g., for business purposes or personal use). Additionally, you’ll need to provide accurate information about all drivers who will be covered by the policy, including their driving history, age and relationship to you.
Review quotes: Compare the quotes you receive, paying attention to coverage options, limits, deductibles and overall cost. Insurance experts also recommend reviewing customer service scores, financial strength ratings, digital tools and customer reviews to get a holistic view of how a carrier will meet your needs.
Select carrier and apply: Choose the insurance policy that best fits your needs and budget. Complete the application process by providing any additional required information and making your first premium payment.

Compare Crosstrek with other similar cars

Subaru Crosstrek Avg annual full coverage premium $2,204 Read More	Honda HR-V Avg annual full coverage premium $2,300 Read More	Mazda CX-30 Avg annual full coverage premium $2,306 See more models
Price (MSRP)
$26,560	$25,400	$25,195
NHTSA Safety rating The NHTSA uses a 5-star rating program to evaluate how vehicles perform in crash tests based on frontal, side and rollover collisions.
5 stars	5 stars	5 stars
Gas mileage
29 mpg	28 mpg	29 mpg
IIHS/HLDI Collision insurance losses The IIHS and HLDI collect data on how insurance losses for specific models compare to the average for all passenger vehicles. These results are adjusted for deductible and specifically for collision claim losses.
Substantially better than average	Average	Better than average

Frequently asked questions

Compared to the national monthly average car insurance rate of $223, the Crosstrek is priced at $184, making it a more affordable car to insure than other models. However, your rate could be higher or lower than average depending on many factors, like your driving record, coverage or trim selection.
There are several ways to save money on Crosstrek insurance, and they work for all other vehicles as well. While maintaining a clean driving record is the best way to ensure lower insurance rates, that isn't always possible. However, you can compare quotes from multiple carriers, bundle auto and home policies and speak to your agent about insurance discounts or low mileage programs.
No, Subaru is not discontinuing the Crosstrek. In fact, it was recently redesigned for the 2024 model year with updated features and styling.

Bankrate utilizes Quadrant Information Services to analyze September 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:

40 year old

Single male and female driver

2023 Toyota Camry

Primary vehicle

Good credit score

Clean driving record

Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Other profiles

Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.