We’ll cover average rates by coverage type and provider, as well as how age, location, and driving history affect premiums. We’ll also discuss discounts like bundling, low mileage, and good student.
Cheap Subaru Crosstrek Car Insurance 2025 [Cheapest Coverage for Your Vehicle!]
Geico ($42), American Family ($43), and State Farm ($54) offer cheap Subaru Crosstrek car insurance. Geico favors good credit, American Family rewards safe drivers, and State Farm offers low rates across most model years. Compare quotes to find discounts based on driving history, coverage level, and vehicle safety features.
UPDATED: Apr 20, 2025Fact Checked
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
UPDATED: Apr 20, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Apr 20, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
UPDATED: Apr 20, 2025Fact Checked
2nd Cheapest: American Family
2,235 reviewsCompany Facts
Minimum Coverage
$43/mo
A.M. Best Rating
A
Complaint Level
Low
Pros & Cons
2,235 reviews3rd Cheapest: State Farm
18,154 reviewsCompany Facts
Minimum Coverage
$54/mo
A.M. Best Rating
A++
Complaint Level
Low
Pros & Cons
18,154 reviewsGeico, American Family, and State Farm offer cheap Subaru Crosstrek car insurance by providing competitive rates to drivers with good credit, clean records, and multi-policy options.
Geico is ideal for drivers with strong credit, American Family rewards safe driving, and State Farm offers the lowest minimum coverage for all model years.
Our Top 10 Company Picks: Cheap Subaru Crosstrek Car Insurance
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $42 | A++ | Low Rates | Geico |
 | #2 | $43 | A | Customer Service | American Family |
 | #3 | $54 | A++ | Reliable Coverage | State Farm |
 | #4 | $62 | A | Member Benefits | AAA |
 | #5 | $64 | A+ | Policy Options | Nationwide |
 | #6 | $72 | A+ | Discount Variety | Progressive |
 | #7 | $73 | A+ | Affordable Premiums | Erie |
 | #8 | $74 | A | Custom Policies | Farmers |
 | #9 | $75 | A | Flexible Plans | Safeco |
 | #10 | $91 | A+ | Claim Support | Allstate |
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Just the Basics
- Subaru Crosstrek insurance rates are cheap due to its safety ratings and features
- Subaru Crosstrek insurance starts at $42 monthly, but rates vary by driver and location
- Save on Subaru Crosstrek insurance with discounts like safe driver and policy bundling
The Subaru Crosstrek is cheaper to insure due to its strong safety ratings. Compare quotes from multiple providers to find the cheapest Subaru Crosstrek car insurance. Find cheap car insurance quotes by entering your ZIP code here.
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#1 – Geico: Top Overall Pick
Pros
Pros- Competitive Premiums: Geico offers affordable rates for the Subaru Crosstrek, averaging $42 per month.Learn more about Geico’s rates in our Geico auto insurance company review<.
- Military and Federal Perks: Subaru Crosstrek insurance for military members often includes discounts for active duty and veterans. Many insurers offer reduced rates for military and federal employees.
- Strong Digital Tools: The mobile app and online tools make policy management easy.
Cons
- Minimal Local Agents: Less personalized service compared to agent-based insurers.
- Coverage Gaps: Some optional coverages are limited compared to competitors.
#2 – American Family: Cheapest For Safe Driver Discounts
Pros
Pros- Safe Driver Discounts: Subaru Crosstrek insurance with a safe driver discount offers substantial savings for drivers with clean records, helping lower monthly premiums significantly.
Find out more about American Family in our American Family review - Family-Friendly Coverage: American Family provides great options for multi-vehicle policies.
- Flexible Payment Options: Offers various payment plans to fit different budgets.
Cons
- Limited Availability: Available in fewer states compared to other large insurers.
- Higher Rates for Young Drivers: Rates can be higher for younger, less experienced drivers.
#3 – State Farm: Good Student Discounts
Pros
Pros- Great Discounts for Students: State Farm offers discounts for good students, helping young drivers save. Read more in our full review of State Farm’s auto insurance
- Strong Customer Service: State Farm is known for providing excellent customer service.
- Large Agent Network: Easy to find local agents for personalized service.
Cons
- Limited Discounts for Low-Mileage Drivers: Discounts for low-mileage drivers are less competitive.
- Slightly higher rates for older vehicles: Rates may be higher for older Subaru Crosstrek models.
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#4 – AAA: Cheapest For Roadside Assistance
Pros
Pros- 24/7 Roadside Assistance: AAA includes comprehensive roadside assistance with most policies. Learn more about AAA roadside assistance in our review of AAA insurance.
- Exclusive Member Benefits: Discounts on travel and leisure services for AAA members.
- Strong Reputation: AAA is trusted for offering reliable services and claims support.
Cons
- Membership Fees: Requires a membership, which could increase costs for some drivers.
- Higher Rates for Non-Members: Non-members may not receive the best pricing on policies.
#5 – Nationwide: Multi-Policy Discounts
Pros
Pros- Multi-Policy Discounts: Significant savings for bundling home and auto insurance policies. Explore more discount options in our Nationwide auto insurance review.
- Strong Customer Satisfaction: Nationwide has solid customer reviews for claims satisfaction.
- Flexible Coverage Options: Multiple add-ons and optional coverage to fit different needs.
Cons
- Higher Rates for High-Risk Drivers: Drivers with a poor record may face higher premiums.
- Limited Discounts for Safe Driving: It does not offer as many discounts for safe drivers as others.
#6 – Progressive: Cheapest For Snapshot Program
Pros
Pros- Snapshot Program: Progressive offers discounts for safe driving through its mobile app. Our complete Progressive review goes into more detail about this.
- Competitive Pricing: Subaru Crosstrek drivers can find affordable rates, with prices averaging $72 per month.
- Customizable Policies: Allows drivers to tailor policies for specific needs and budgets.
Cons
- Limited Discounts for Older Drivers: Older drivers may not benefit as much from the Snapshot program.
- Claims Processing Delays: Some customers report longer processing times for their claims.
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#7 – Erie: Cheapest For Multi-Vehicle Policies
Pros
Pros- Multi-Vehicle Discounts: Save on insurance when insuring more than one car with Erie. Dive into our in-depth Erie auto insurance review
- Excellent Customer Support: Erie provides strong customer service and claims satisfaction.
- Competitive Rates: Erie offers rates starting at $73 per month for Subaru Crosstrek drivers.
Cons
- Limited Availability: Erie is not available in all states, reducing access for some drivers.
- Fewer Digital Tools: Online tools and mobile apps are not as advanced as other insurers.
#8 – Farmers: Customizable Coverage Options
Pros
Pros- Customizable Coverage: Farmers allows for more flexibility with coverage options and add-ons. Take a look at our Farmers Insurance company review to learn more.
- Strong Local Agent Network: Personalized support from local agents across the country.
- Competitive Discounts: Offers a range of discounts, including bundling and safe driver discounts.
Cons
- Higher Rates for New Drivers: Farmers can be more expensive for young or new drivers.
- Fewer Digital Tools: The online and mobile experience is not as user-friendly as those of our competitors.
#9 – Safeco: Telematics Discounts
Pros
Pros- Telematics Program: Safeco offers discounts based on safe driving behavior through its telematics program. Compare Safeco’s rates to other providers in our Safeco auto insurance review.
- Affordable Rates: Subaru Crosstrek insurance rates average $75 per month with Safeco.
- Strong Roadside Assistance: Many plans include 24/7 roadside assistance.
Cons
- Higher Rates for Older Vehicles: Rates can be higher for older Subaru Crosstrek models.
- Limited Availability in Some Areas: Safeco may not be available in all states.
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#10 – Allstate: Cheapest For New Car Discounts
Pros
Pros- New Car Discounts: Allstate offers discounts for drivers insuring newer Subaru Crosstrek models. Read more about this provider in our Allstate auto insurance review.
- Strong Claims Process: Allstate is known for its efficient and reliable claims process.
- Multiple Discount Opportunities: Allstate offers various discounts for bundling and safe driving.
Cons
- Higher Rates for Teen Drivers: Teens may face higher rates when they are insured with Allstate.
- Less Competitive for Low-Mileage Drivers: Rates for low-mileage drivers may not be as competitive.
Cheap Subaru Crosstrek Car Insurance Rates
The table below shows the monthly insurance rates for the Subaru Crosstrek by provider and coverage level.
Read More: Best Car Insurance by Vehicle
Subaru Crosstrek Car Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $62 | $187 |
| $91 | $255 |
| $43 | $117 |
| $73 | $229 |
| $74 | $232 |
| $42 | $133 |
| $64 | $184 |
| $72 | $211 |
| $75 | $200 |
| $54 | $149 |
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Geico offers the cheapest Subaru Crosstrek insurance rates, starting at just $42 per month for basic coverage.
Strong safety features and top ratings help drivers find cheap Subaru Crosstrek car insurance across providers.Brad Larson Licensed Insurance Agent
The Subaru Crosstrek has strong fuel efficiency and a 5-star 2022 safety rating from the National Highway Traffic Safety Administration. Its safety features can reduce insurance rates compared to similar cars, including:
- Front, back, and side airbags
- Disc brakes and anti-lock braking system
- Brake assist, traction control, and electronic stability control
- Lane departure warning and lane-keeping assist
- Daytime running lights
- Child safety locks
A Reddit user’s harrowing account of surviving a high-speed head-on collision in their Subaru Crosstrek proves just how life-saving the vehicle’s safety features can be.
For those seeking affordable Subaru Crosstrek insurance, stories like this highlight why insuring a car known for its crash protection and reliability can be both affordable and a smart choice.
Subaru Crosstrek Insurance Rates by Age
Car insurance rates vary significantly by age. Subaru Crosstrek insurance for young drivers is more expensive, but rates generally decrease with each passing decade. Check Geico’s site to see how age impacts your quote.
Subaru Crosstrek insurance for teens is the most expensive due to inexperience. The largest decrease occurs from the teens to the 20s, averaging $1,833 per year. Moving into the 30s brings another drop, averaging $1,614. Reductions beyond that are smaller. You can use our free online tool to compare quotes and find cheap Subaru Crosstrek car insurance at any age.
Ways to Save Money on Your Subaru Crosstrek Insurance
| Insurance Company | Available Discounts |
|---|---|
| Multi-Policy, Multi-Vehicle, Good Driver, Student |
| New Car, Safety Features, Multi-Policy, Responsible Payer, Good Student, Anti-Theft Device |
| Multi-Vehicle, Loyalty, Good Student, Defensive Driver, Low Mileage, Safety Equipment |
| Safe Driver, Multi-Policy, Vehicle Safety Equipment, Young Driver, Annual Payment Plan |
| Multi-Policy, Multi-Vehicle, Good Student, Mature Driver, Alternative Fuel, Safety Equipment |
| Multi-Vehicle, Good Driver, Defensive Driving, Military, Federal Employee, Anti-Theft System |
| Multi-Policy, Multi-Vehicle, Good Student, Defensive Driving, Accident-Free, Anti-Theft Device |
| Multi-Policy, Multi-Vehicle, Continuous Insurance, Teen Driver, Good Student, Homeowner |
| Multi-Policy, Safe Driver, Accident Prevention Course, Anti-Theft Device, Low Mileage |
| Multi-Policy, Good Driver, Defensive Driving Course, Student Away at School, Vehicle Safety |
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Subaru Crosstrek insurance discounts are typically offered by most insurers to help lower your car insurance costs. Common options include:
- Good driver
- Safe driving
- Defensive driving course
- Good student
- Student away from home
- Multi-vehicle
- Multi-policy
- Pay-in-full
- Paperless billing
- Autopay
Shop for insurers offering multiple discounts you qualify for.
Top insurers offer Subaru Crosstrek discounts for safe driving, bundling, low mileage, and good student status, helping lower overall insurance costs.Eric Stauffer Licensed Insurance Agent
You can also save by choosing higher deductibles, but be prepared to incur higher out-of-pocket expenses if you need to file a claim.
Factors That Affect Subaru Crosstrek Insurance Cost
The Subaru Crosstrek’s average insurance cost is $1,320, but rates can vary depending on the driver and situation.
Key factors affecting your premium include:
- Driver’s age: Teens pay the most; rates drop with age.
- Driving record: A clean record gets lower rates than one with violations.
- Credit rating: In most states, lower credit ratings can mean higher premiums.
- Car year: Older models usually cost less to insure due to depreciation.
- Location: Urban areas tend to be more expensive; rates vary by city and region.
- Safety ratings: The Crosstrek’s 5-star safety rating helps lower premiums.
- Discount eligibility: Safe driver, bundling, and other discounts reduce costs.
Compare rates from multiple insurers regularly. Rates, limits, and discounts change often, and switching providers can lead to lower premiums.
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Find the Cheapest Subaru Crosstrek Insurance
Finding the right car insurance for the Subaru Crosstrek is easier when you have the right information to compare rates. The average monthly rate is $42, but your rates depend on personal and vehicle factors. Using discounts and comparing companies can help reduce your costs. When you’re ready to see how much you can save on your car insurance, enter your ZIP code into our free comparison tool to find cheap Subaru Crosstrek insurance companies.
Frequently Asked Questions
How to get the cheapest insurance?
Compare quotes from multiple providers. Geico, American Family, and State Farm currently offer the lowest monthly rates for Subaru Crosstrek drivers.
Can Subaru Crosstrek drivers qualify for multiple insurance discounts?
Multi-policy Low mileage Safe driver Good student These discounts help secure cheap Subaru Crosstrek car insurance.
Is a Subaru Crosstrek expensive to insure?
No. Subaru Crosstrek insurance averages around $161 per month, but top providers like Geico ($42), American Family ($43), and State Farm ($53) offer significantly lower rates.
Read More: How to Lower Your Car Insurance Cost
What is the cheapest Subaru to insure?
The Subaru Outback tends to be the cheapest to insure overall, but the Crosstrek has highly competitive rates, especially from Geico, American Family, and State Farm.
How much to insure a Crosstrek?
While average rates are about $161 per month, Geico offers Crosstrek insurance for just $42 per month, making it one of the most affordable SUVs to insure.
Do safety features reduce Subaru Crosstrek insurance costs?
Yes. Standard features like lane-keeping assist, electronic stability control, and multiple airbags help lower insurance risk, qualifying you for cheaper Subaru Crosstrek car insurance.
Why are Subarus so cheap to insure?
Subarus, like the Crosstrek, have excellent safety ratings and low repair costs, which lowers insurer risk and makes them cheaper to insure.
Which company car insurance is cheaper?
For the Subaru Crosstrek, Geico is the cheapest at $42 per month, followed by American Family at $43 and State Farm at $53.
How to get the lowest car insurance rate?
Choose insurers with the cheapest rates, such as Geico or State Farm, and apply all discounts for which you qualify, like bundling or good driver discounts.
Are Subaru Crosstrek’s high maintenance?
No. With average maintenance costs of around $41 per month, the Crosstrek is a low-maintenance vehicle, helping to keep overall ownership costs down. Avoid overpaying for your car insurance by entering your ZIP code in our free comparison tool to find which company has the lowest rates.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.