If you’re looking for insurance for your Subaru Crosstrek in 2025, you’re in the right place. Car insurance rates for the Subaru Crosstrek depend on factors like your driving record, location and car model year.
A 2023 Subaru Crosstrek typically costs around $2,000 per year to insure, although prices vary widely for older models. For example, a 2021 Crosstrek costs $1,918 annually, whereas you’ll pay $1,775 annually for a 2018 model (on average).
In this guide, we’ll explore the costs and offer tips on securing the best insurance rates for your Subaru Crosstrek.
What is the cost to insure your Subaru Crosstrek in 2025?
On average, insuring a Subaru Crosstrek costs $172 per month – or $2,064 annually – for a full coverage policy. However, your actual cost may differ depending on factors such as your age, where you live, your driving history and the insurance company you choose.
Young drivers or those with a history of accidents may see higher premiums, while older, more experienced drivers with clean records may pay less. Additionally, rates can differ based on the state and even the ZIP code where the car is garaged.
Insurance rates by car model
Check out our detailed guide on car insurance rates by car model
Which companies offer the cheapest rates for Subaru Crosstrek
State Farm provides the most affordable car insurance for your Subaru Crosstrek, with an average annual rate of $1,659, or $138 per month, according to CarInsurance.com’s analysis.
The table below shows which insurance companies offer the best rates for your Subaru Crosstrek.
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| State Farm | $1,659 | $830 | $138 |
| Nationwide | $1,685 | $842 | $140 |
| Geico | $1,703 | $851 | $142 |
| Progressive | $1,842 | $921 | $153 |
| Allstate | $2,805 | $1,403 | $234 |
| Farmers | $2,819 | $1,410 | $235 |
Explore our expert guide to the cheapest cars to insure in 2025
Compare Subaru Crosstrek car insurance rates by model year
Newer cars have higher insurance premiums due to higher market value and pricier repair expenses. For example, the insurance cost for a 2023 Subaru Crosstrek will typically be more expensive than that of a 2019 model. However, older vehicles may lack advanced safety technologies, affecting insurance rates.
Below is a breakdown of the average annual insurance premiums for different model years of the Subaru Crosstrek, offering insight into how a vehicle’s age impacts its insurance rates.
| Model year | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| 2014 | $1,559 | $779 | $130 |
| 2015 | $1,587 | $794 | $132 |
| 2016 | $1,652 | $826 | $138 |
| 2017 | $1,660 | $830 | $138 |
| 2018 | $1,775 | $887 | $148 |
| 2019 | $1,846 | $923 | $154 |
| 2020 | $1,903 | $951 | $159 |
| 2021 | $1,918 | $959 | $160 |
| 2022 | $1,958 | $979 | $163 |
| 2023 | $2,000 | $1,000 | $167 |
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Subaru Crosstrek car insurance rates for different trims
A Subaru Crosstrek’s trim level can significantly affect insurance costs. Trims vary in features, safety equipment and overall cost, contributing to different insurance premiums.
For instance, higher-end trims like the Crosstrek, which include advanced technology and luxury features, may have higher insurance premiums than the base model due to the increased replacement and repair costs.
Below is a comparison of average annual insurance costs for different trims of the Subaru Crosstrek.
| Vehicle trim | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Crosstrek Premium | $1,967 | $984 | $164 |
| Crosstrek Limited | $2,051 | $1,025 | $171 |
| Crosstrek Wilderness | $2,087 | $1,043 | $174 |
| Crosstrek Sport | $2,092 | $1,046 | $174 |
| Crosstrek | $2,101 | $1,050 | $175 |
Subaru Crosstrek insurance rates: State-by-state breakdown
The cost to insure a Subaru Crosstrek can vary widely from state to state due to differences in state laws, average repair costs and car theft or accident rates.
Find the Subaru Crosstrek car insurance rates for different states in the table below.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $1,859 | $930 | $155 |
| Alabama | $1,931 | $965 | $161 |
| Arkansas | $2,142 | $1,071 | $178 |
| Arizona | $1,988 | $994 | $166 |
| California | $2,534 | $1,267 | $211 |
| Colorado | $2,752 | $1,376 | $229 |
| Connecticut | $2,205 | $1,103 | $184 |
| Washington, D.C. | $2,352 | $1,176 | $196 |
| Delaware | $2,023 | $1,011 | $169 |
| Florida | $2,555 | $1,277 | $213 |
| Georgia | $2,671 | $1,336 | $223 |
| Hawaii | $1,261 | $631 | $105 |
| Iowa | $1,773 | $886 | $148 |
| Idaho | $1,376 | $688 | $115 |
| Illinois | $2,056 | $1,028 | $171 |
| Indiana | $1,823 | $911 | $152 |
| Kansas | $2,200 | $1,100 | $183 |
| Kentucky | $2,600 | $1,300 | $217 |
| Louisiana | $3,246 | $1,623 | $270 |
| Massachusetts | $1,752 | $876 | $146 |
| Maryland | $1,902 | $951 | $158 |
| Maine | $1,414 | $707 | $118 |
| Michigan | $2,750 | $1,375 | $229 |
| Minnesota | $2,266 | $1,133 | $189 |
| Missouri | $2,577 | $1,289 | $215 |
| Mississippi | $2,076 | $1,038 | $173 |
| Montana | $2,185 | $1,093 | $182 |
| North Carolina | $1,739 | $869 | $145 |
| North Dakota | $1,880 | $940 | $157 |
| Nebraska | $2,260 | $1,130 | $188 |
| New Hampshire | $1,488 | $744 | $124 |
| New Jersey | $2,012 | $1,006 | $168 |
| New Mexico | $2,162 | $1,081 | $180 |
| Nevada | $1,996 | $998 | $166 |
| New York | $1,405 | $703 | $117 |
| Ohio | $1,476 | $738 | $123 |
| Oklahoma | $2,327 | $1,164 | $194 |
| Oregon | $1,970 | $985 | $164 |
| Pennsylvania | $2,212 | $1,106 | $184 |
| Rhode Island | $2,348 | $1,174 | $196 |
| South Carolina | $1,770 | $885 | $147 |
| South Dakota | $2,603 | $1,302 | $217 |
| Tennessee | $2,206 | $1,103 | $184 |
| Texas | $2,835 | $1,418 | $236 |
| Utah | $1,732 | $866 | $144 |
| Virginia | $1,503 | $752 | $125 |
| Vermont | $1,484 | $742 | $124 |
| Washington | $1,806 | $903 | $151 |
| Wisconsin | $1,548 | $774 | $129 |
| West Virginia | $1,978 | $989 | $165 |
| Wyoming | $2,237 | $1,119 | $186 |
How your age impacts Subaru Crosstrek insurance rates
Young drivers, particularly those younger than 25, face higher insurance premiums due to their lack of experience and the increased likelihood of accidents. As drivers age and gain more experience, their rates typically decrease. However, for senior drivers, premiums can rise again due to age-related factors.
According to the National Highway Traffic Safety Administration (NHTSA) Young Drivers Traffic Safety Facts, 2,034 drivers aged 15 to 20 lost their lives in traffic accidents in 2022.
The table below outlines the average annual insurance rates for different age groups.
| Age | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Teens | $7,397 | $3,699 | $616 |
| Adults | $2,064 | $1,032 | $172 |
The bottom line
Knowing how much it costs to insure your Subaru Crosstrek is key to managing your expenses. Insurance costs can change depending on the car’s model year, trim, age and state of residence.
To save on insurance, try keeping a clean driving record, taking advantage of discounts and reviewing your policy every renewal period. This will help you get the right coverage at an affordable price.
Resources & Methodology
Sources
Insurance Information Institute. “Facts + Statistics: Teen drivers.” September 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to calculate average auto insurance rates for 1,661 car models to help drivers compare coverage costs. Rates reflect national averages based on a standard driver profile with full coverage, typical commute distance, and annual mileage.
The average rates are based on a 40-year-old male driver with 100/300/100 liability limits and a $500 deductible for collision and comprehensive coverage, commuting 12 miles to work daily and driving 10,000 miles annually.
Read the detailed methodology for more information.
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