The Cost Of Crosstrek Auto Insurance

The Subaru Crosstrek is a relatively cheap vehicle to insure, with costs coming in lower than the average vehicle. The average insurance cost for a Subaru Crosstrek in 2024 is $1,790 per year, with some insurance companies offering rates as low as $68/month. The cheapest insurance companies for the Subaru Crosstrek are Travelers, Nationwide, Erie, and State Farm. The cost of insurance also varies depending on the age of the driver, their location, driving history, education, and marital status.

Average insurance rates

The average insurance cost for a Subaru Crosstrek varies depending on the year of the model, the driver's age, location, driving history, and other factors.

According to Compare.com, the average insurance premium for a 2021 Subaru Crosstrek is $64 per month for liability-only coverage and $140 per month for full coverage. For a 2020 model, the average rates are $66 for liability-only coverage and $147 for full coverage. The rates for a 2019 Subaru Crosstrek are $61 for liability and $138 for full coverage. The average insurance premium for a 2018 Crosstrek is $59 for liability and $140 for full coverage. For a 2017 model, the rates are $60 for liability and $133 for full coverage. The insurance for a 2016 Subaru Crosstrek costs around $58 for liability and $134 for full coverage.

The age of the driver also impacts the insurance rates. For example, teenage drivers typically pay higher premiums than older drivers. According to Compare.com, a teenage driver of a Subaru Crosstrek may pay more than twice as much as someone who is 25 or older. The cheapest age group for Crosstrek drivers in terms of insurance rates is 55-64.

Insurance rates for a Subaru Crosstrek also vary by state. The cheapest states for insurance for this vehicle are Hawaii, Maine, and New Hampshire, while the most expensive states are Louisiana, Florida, and Colorado. For example, the average insurance premium in New York is about $133 per month for liability coverage, while in California, the same owner would pay less than half of that price.

Insurance rates for a Subaru Crosstrek also differ by company. State Farm offers the cheapest insurance for this vehicle, followed by Mile Auto, ACG, Acceptance, Hugo, and Verti.

Overall, the average insurance cost for a Subaru Crosstrek is around $118 to $184 per month, or $1,420 to $1,857 per year. This is less expensive than the average insurance cost for other SUVs and vehicles in general.

Cheapest insurance companies

The average insurance cost for a Subaru Crosstrek in 2024 is $1,790 per year, which is $118 per month. This is less than the nationwide average of $2,305 per year. However, the cost of insurance can vary depending on the age of the car, the age of the driver, and the state in which the car is insured.

For example, the average cost of insurance for a 2020 Subaru Crosstrek is $1,420 per year, with the cheapest insurance company being Southern Farm Bureau. For a 2019 Subaru Crosstrek, the average cost is $1,512 per year, with Cincinnati Insurance and Southern Farm Bureau being the cheapest insurance companies. The average cost of insurance for a 2018 Subaru Crosstrek is $954 per year, with Plymouth Rock Insurance being the cheapest option.

The cheapest insurance companies for a Subaru Crosstrek overall are Travelers, Nationwide, and Erie. The cheapest state for Crosstrek insurance is Hawaii, while the most expensive is Louisiana.

Insurance costs by state

The cost of auto insurance for a Subaru Crosstrek varies depending on the state in which you live. The average insurance cost for a Subaru Crosstrek in 2024 is $1,790 per year, but this can be as low as $1,420 or as high as $1,938, depending on the year and model of the car.

The cheapest states for insurance for a Subaru Crosstrek are Hawaii, Maine, and New Hampshire. In these states, the average cost of insurance is lower than in other parts of the country. The most expensive states for insurance for a Subaru Crosstrek are Louisiana, Florida, and Colorado. In these states, the average cost of insurance is higher than in other parts of the country.

For example, the average Subaru Crosstrek driver in New York pays about $133 per month for liability coverage, while the same owner from California will pay less than half of that price, on average. The insurance rates also vary depending on the driver's age, gender, driving record, and other factors.

It's important to note that insurance rates are not static and can change over time, so it's always a good idea to compare quotes from multiple insurance companies to find the best rate for your specific situation.

Insurance costs by driver age

The cost of insurance for a Subaru Crosstrek varies depending on the driver's age. Here is a breakdown of the insurance costs by different age groups:

Insurance Costs for Teenagers

Teenagers, especially those aged 18, pay the highest insurance rates for the Subaru Crosstrek due to their lack of driving experience and higher risk profile. The average insurance cost for an 18-year-old driver is approximately $6,478 per year, which is significantly higher than the overall average. This age group faces the most expensive premiums, making it challenging to find affordable coverage options.

Insurance Costs for Young Adults

Young adults in their early 20s also tend to have higher insurance costs compared to older age groups. According to Forbes Advisor's analysis, drivers aged 20 will have the second-highest insurance bills, just below teenagers. The exact rates will depend on individual factors, but young adults can expect to pay more than middle-aged and senior drivers.

Insurance Costs for Middle-Aged Adults

Middle-aged adults, particularly those in their 40s, experience more moderate insurance costs for the Subaru Crosstrek. The average insurance rate for a 40-year-old driver is estimated to be around $1,421 to $1,857 per year. This age group benefits from having more driving experience and a potentially better credit history, resulting in lower insurance premiums.

Insurance Costs for Seniors

Seniors, specifically those aged 60 and above, enjoy the cheapest insurance rates for the Subaru Crosstrek. According to Forbes Advisor, 60-year-old drivers have the lowest insurance costs compared to other age groups. This is likely due to factors such as reduced mileage, a longer history of safe driving, and lower risk profiles.

It is important to note that insurance rates are influenced by various factors beyond age, including driving record, location, credit score, vehicle model, and insurance company. Therefore, while age plays a significant role in determining insurance costs, it is not the sole determinant, and rates can vary based on individual circumstances.

Ways to save on insurance costs

The cost of auto insurance for a Subaru Crosstrek varies depending on factors such as age, location, driving history, and credit history. The average cost of insurance for this vehicle is around $1,421 per year, but it can range from $954 to $1,938.

Compare Rates from Different Companies

Although auto insurers use similar factors like age and driving history to calculate your car insurance costs, they weigh these factors differently. It is important to compare rates from different companies to find the best deal. Getting quotes from several companies once a year can help you lower your insurance rates.

Take Advantage of Discounts

Insurance companies offer various discounts that can help lower your premium. These include good driver discounts, good student discounts, low mileage discounts, multiple policy discounts, loyalty discounts, safety feature discounts, profession-based discounts, and paid-in-full discounts.

Improve Your Credit

In most states, insurance companies consider your credit score when calculating your insurance premium. Improving your credit score by making timely payments, keeping credit card balances low, and only opening new credit accounts when necessary can help lower your insurance costs.

Drive a Car That's Cheap to Insure

The vehicle you drive affects your insurance premium, especially if you buy collision and comprehensive coverage. Safe and moderately priced vehicles, such as small SUVs, tend to be cheaper to insure than expensive and flashy cars.

Increase Your Deductible

You can save money on collision and comprehensive insurance by raising your deductible, which is the amount you pay out of pocket before the insurance company covers the rest. A higher deductible typically results in a lower premium, but be sure to choose a deductible that you can afford to pay in the event of a claim.

Review Your Policy Regularly

Reviewing your car insurance policy regularly, especially before renewal, can help ensure you're taking advantage of all available savings and that your coverage meets your current needs. If you've had any major life changes, such as moving to a new location or changing your commute, be sure to update your policy accordingly.

Drop Unnecessary Coverage

Evaluate your policy to see if there is any coverage that you no longer need. For example, if you have roadside assistance through another service, you may not need it in your car insurance policy. Additionally, if your car is older and has depreciated in value, consider switching to liability-only insurance, as the annual premium for full coverage may be more than the car's worth.

Consider Pay-Per-Mile Insurance

If you don't drive often, consider usage-based or pay-per-mile insurance to lower your insurance costs. Insurance companies typically consider low-mileage drivers to be at a lower risk of accidents and may offer lower premiums.

By implementing these strategies, you can save on insurance costs for your Subaru Crosstrek or any other vehicle.

Frequently asked questions