The Subaru Crosstrek is an all-wheel-drive compact SUV. The vehicle first debuted in the U.S. as the Subaru XV Crosstrek in 2012, but the brand dropped the "XV" for model-years 2016 and beyond. The 2026 Crosstrek features 8.7" of ground clearance, EyeSight technology, an 11.6" touchscreen, and Apple CarPlay/Android Auto. No matter which type of Crosstrek you drive, it needs to be protected with the right car insurance.
When it's time to find the best Subaru Crosstrek insurance, an independent insurance agent can assist you. These agents know where to get the right Subaru insurance at a great rate. But first, here's a behind-the-scenes look at how much it costs to insure a Subaru Crosstrek by model year and top-rated insurance company in 2026.
Key Takeaways - Subaru Crosstrek Car Insurance
Subaru Crosstrek insurance costs an average of $1,724 per year, or approximately $144 per month, for full coverage in 2026.
Subaru Crosstrek insurance costs vary widely by state, with good drivers in Georgia paying an average of only $846 annually for full coverage, while those in Connecticut pay $2,723.
American Family, Progressive, and Nationwide are the cheapest carriers for model-year 2025 Subaru Crosstrek insurance this year.
Your age, location, credit, and driving history are all major factors that can influence the cost of Subaru Crosstrek insurance.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Subaru Crosstrek model.
What Is Subaru Crosstrek Insurance?
Subaru Crosstrek insurance is a specialized car insurance policy that includes customized coverage for your specific vehicle. As a compact SUV, the Crosstrek may require additional coverage beyond that needed by standard sedans. However, the Crosstrek's average car insurance rates trend cheaper than those for other SUVs.
Recommended coverage options for Subaru Crosstrek drivers:
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving a driver who is uninsured or underinsured, or after a hit-and-run.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
Add-on coverage options worth considering for a Subaru Crosstrek:
- Subaru warranty insurance: This can extend Subaru's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Subaru parts during the repair process.
- Gap insurance: If you have a new or financed Subaru vehicle, this coverage can pay the difference between the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
A local independent insurance agent can help you get set up with all the required Subaru Crosstrek car insurance in your area. Having at least your state's minimum required auto insurance can help you avoid fines and other penalties for being underinsured.
How Much Does Subaru Crosstrek Insurance Cost?
The average cost of car insurance for a Subaru Crosstrek is $1,724 per year. This breaks down to about $144 per month for full coverage.
Subaru XV Crosstrek insurance cost
The average cost of car insurance for a Subaru XV Crosstrek is $1,466 per year, or approximately $122 per month, for full coverage. However, several factors can influence the cost of Subaru insurance, including:
- The specific type of Crosstrek you drive
- Your claims history
- Your location
- Vehicle safety features
- Your credit score (where allowed)
- The types and amount of coverage you need
- Your driving history
- Annual mileage
An independent insurance agent can help you find the most affordable coverage, whether you're looking for Subaru Crosstrek full coverage insurance or a basic Subaru Crosstrek liability insurance policy.
Is the Subaru Crosstrek Expensive to Insure?
No, the Subaru Crosstrek isn't expensive to insure compared to other Subaru models and other SUVs in general. The table below compares average auto insurance rates for the Subaru Crosstrek with those for all Subarus and other SUVs.
| Vehicle | Average Monthly Cost of Full Coverage |
| Subaru Crosstrek | $144 |
| All Subarus | $160 |
| All SUVs | $184 |
Subaru Crosstrek Insurance Costs by Model Year
Next, we'll break down several model years of the Subaru Crosstrek and the average insurance costs for each.
| Model Year | Average Annual Cost of Car Insurance |
| 2025 Subaru Crosstrek | $2,011 |
| 2024 Subaru Crosstrek | $1,949 |
| 2023 Subaru Crosstrek | $1,792 |
| 2022 Subaru Crosstrek | $1,784 |
| 2021 Subaru Crosstrek | $1,672 |
| 2020 Subaru Crosstrek | $1,633 |
| 2019 Subaru Crosstrek | $1,770 |
| 2018 Subaru Crosstrek | $1,616 |
| 2017 Subaru Crosstrek | $1,554 |
| 2016 Subaru Crosstrek | $1,504 |
Subaru XV Crosstrek Insurance Costs by Model Year
Here are all model years of the Subaru XV Crosstrek and the average insurance costs for each.
| Model Year | Average Annual Cost of Car Insurance |
| 2015 Subaru XV Crosstrek | $1,441 |
| 2014 Subaru XV Crosstrek | $1,489 |
| 2013 Subaru XV Crosstrek | $1,414 |
Cheapest Subaru Crosstrek Car Insurance Companies for 2026
Affordable Subaru Crosstrek insurance is available from many different carriers. These top-rated Subaru car insurance companies provide the cheapest model-year 2025 Crosstrek insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| American Family | $1,362 |
| Progressive | $1,399 |
| Nationwide | $1,567 |
| USAA | $1,714 |
| Erie | $1,736 |
| Allstate | $2,750 |
Cheapest Subaru XV Crosstrek Car Insurance Companies for 2026
These outstanding Subaru car insurance companies provide the cheapest model-year 2015 XV Crosstrek insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| Progressive | $1,165 |
| USAA | $1,192 |
| American Family | $1,282 |
| Erie | $1,286 |
| Nationwide | $1,523 |
| Allstate | $1,971 |
Subaru Crosstrek Car Insurance Rates by State and Driver Profile
Location, driving history, and credit are all major factors that can influence car insurance premium rates. Here are some average auto insurance rates for the Subaru Crosstrek by state and driver profile for 2026.
| State | Clean Record | Accident on Record | 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 |
Average Subaru Crosstrek Insurance Rates by Driver Age and Profile
Age plays a major role in car insurance premium calculations as well. Teens and young drivers pay the highest average insurance rates for a Subaru Crosstrek. Auto insurance premiums tend to decline considerably starting around age 25.
However, once a driver reaches about age 65, car insurance rates begin to rise as they age. Here are some average Subaru Crosstrek insurance rates by driver age and profile for 2026.
| Driver Age | Clean Record | Accident on Record | Poor Credit |
| 18 | $5,970 | $8,771 | $10,263 |
| 20 | $4,591 | $6,758 | $7,902 |
| 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 |
Best Subaru Crosstrek Insurance Discounts: How to Lower Your Subaru Crosstrek Insurance Premiums
Looking to save the most money possible on your Subaru Crosstrek insurance? Try any of these easy strategies to potentially increase your savings today:
- Ask about Subaru Crosstrek insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Ask about telematics programs: Your insurance company or Subaru may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Compare quotes from multiple carriers: Comparing Subaru Crosstrek insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Subaru Crosstrek insurance from a trusted carrier near you.
A local independent insurance agent can help you find the most affordable, quality Subaru Crosstrek insurance or Subaru XV Crosstrek insurance near you. They can also recommend additional strategies to lower your premiums even further.
An Independent Insurance Agent Can Help You Get the Best Subaru Crosstrek Insurance Quotes
When it's time to find the most affordable Subaru Crosstrek insurance, no one's better equipped to help than a local independent insurance agent. Your agent knows which local carriers deliver the best overall blend of Subaru Crosstrek insurance coverage and cost.
Even better, they'll help you score any discounts you're eligible for to lower your premium rates even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Subaru Crosstrek Insurance
How much does Subaru Crosstrek insurance cost per year?
The average annual cost of full coverage for a Subaru Crosstrek is $1,724 per year, or approximately $144 per month. However, the cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Subaru Crosstrek insurance premiums?
Having prior claims, traffic accidents or violations, poor credit, or living in a high-theft rate area can all increase the cost of Subaru Crosstrek car insurance.
Is the Subaru Crosstrek expensive to insure?
No, the Subaru Crosstrek isn't expensive to insure when compared to other Subaru vehicles and other SUVs.
What are the best and cheapest carriers for Subaru Crosstrek insurance in 2026?
We found that American Family, Progressive, and Nationwide are the best and cheapest car insurance companies for model-year 2025 Subaru Crosstrek insurance this year.
Is insurance cheaper for the Subaru Crosstrek than for other Subarus?
Yes, the Crosstrek's average monthly car insurance rate of $144 is lower than the $160 average for other Subaru vehicles.
How much is car insurance for a Subaru XV Crosstrek?
The average cost of car insurance for a Subaru XV Crosstrek is $1,466 per year, or approximately $122 per month, for full coverage.
How can I get cheaper Subaru Crosstrek insurance?
Finding cheaper Subaru Crosstrek insurance is easy when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Sources
https://www.insuranceopedia.com/auto-insurance/subaru-crosstrek-car-insurance
https://www.thezebra.com/auto-insurance/vehicles/subaru/crosstrek/
https://www.thezebra.com/auto-insurance/vehicles/subaru/xv-crosstrek/