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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Subaru Crosstrek drivers pay an average of $130 per month for car insurance — cheaper than the U.S. national average of $150. The Crosstrek’s low rates are partly due to its safety features, which can reduce accident risk and insurance costs.
Even so, many Crosstrek owners can get even cheaper insurance with the right company. For example, Mile Auto offers the cheapest average Subaru rate, at $59 per month. But your personal rate depends on several factors, like your age, driving history, and location.
We dug into the data to find the cheapest insurance companies for Crosstrek owners based on pricing, coverage options, and customer reviews.
Crosstrek drivers pay an average of $92 per month for liability-only insurance and $169 per month for full coverage.
Mile Auto, Travelers, and Clearcover offer some of the most affordable auto coverage for Crosstrek drivers.
Young drivers pay the most for Crosstrek insurance, averaging $245 per month, while seniors average only $100.
Your Subaru Crosstrek insurance costs depend mainly on the policy you choose. For example, a liability-only policy costs less but only covers damage and injuries you cause to others. But full-coverage policies include liability insurance, plus comprehensive and collision coverage for damages to your vehicle from accidents, theft, and more.
The table below shows the Crosstrek’s average monthly insurance rates by policy type compared to the national average, according to data from Compare.com.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Subaru Crosstrek | $92 | $169 | $130 |
| All vehicles | $107 | $197 | $152 |
On average, Subaru Crosstrek drivers pay $92 per month for liability-only coverage and $169 for full coverage. That’s cheaper than the national average for all vehicles of $150.
Next, we’ll explore how your insurance rates can vary based on factors like your location, driving history, and age.
Checking average rates is a good place to start, but you can always try to save money on your car insurance. To get you started, the table below lists the five cheapest insurance companies for the Subaru Crosstrek, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Mile Auto | $59 |
| Travelers | $62 |
| Clearcover | $76 |
| Nationwide | $76 |
| Root | $89 |
We found that Mile Auto has the lowest average rate for Subaru Crosstrek drivers, at just $59 per month. But the insurer with the cheapest average rates may not be the cheapest for you, so it’s always smart to compare quotes.
We’ll take a closer look at how different factors affect Crosstrek insurance rates later.
Compare car insurance quotes and save money today.
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There’s no single “best” car insurance company for every Subaru Crosstrek driver. Your ideal match depends on your budget, driving habits, and coverage needs.
To help you choose the right insurer for your Crosstrek, we evaluated top insurers based on their average rates, available discounts, customer reviews, and coverage options.
The companies below each stand out for different driver types, whether you’re looking for a full range of coverage options, digital convenience, or flexible add-ons.
Compare.com Rating: 4.23 out of 5
Many insurance products available
Offers minor violation forgiveness
Below-average number of customer complaints
Below-average claims and customer satisfaction
Mixed mobile app reviews
History of data breaches
Travelers car insurance offers Subaru Crosstrek drivers customizable coverage options and competitive pricing. The company offers accident forgiveness, new car replacement, and the IntelliDrive program, which can reward safe driving with discounts of up to 30%.
Travelers also has an AM Best financial strength rating of A++ (Superior), which means you don’t need to worry about the company paying out claims.
Still, some customers report issues with claims and slow processing times. While Travelers is a solid choice if you want customized coverage, you should also consider your customer service expectations.
Compare.com Rating: 3.02 out of 5
Low average rates
Highly rated mobile app
Online policy management
Above-average number of customer complaints
Unclear discount process
Available in only 18 states
Clearcover offers affordable car insurance, ideal for Crosstrek drivers who want cheap, user-friendly coverage. Its mobile app and digital-first approach appeal to the tech-savvy. But Clearcover operates in only 18 states, and customers report inconsistent claims experiences.
The company says it includes car insurance discounts in your premium, making it hard to tell what discounts you get and how much you save. Crosstrek owners who value low premiums and digital convenience should consider Clearcover.
Compare.com Rating: 4.88 out of 5
Ranks No. 4 for claims satisfaction by J.D. Power
Many coverage options
Highly rated mobile apps
Electric vehicle (EV) discount not available
Fewer available discounts than some competitors
Above-average number of customer complaints
Nationwide offers a variety of coverage options, like gap insurance, diminishing deductible, accident forgiveness, and a total loss deductible waiver. It also offers a highly rated pay-per-mile program — SmartMiles — which can save you money if you don’t drive often.
Though Nationwide excels in customer satisfaction in the Southeast and North Central regions, it has more-than-average complaints and lower satisfaction ratings in other parts of the country.
Compare personalized quotes and save hundreds in minutes.
Your Subaru Crosstrek’s age can affect your insurance premiums. Newer vehicles tend to cost more to repair or replace, and you’ll typically pay higher rates if your car is worth more. Older Crosstreks often come with lower insurance rates because of their lower value.
The table below breaks down the average monthly Crosstrek premiums by model year, along with the cheapest insurer and its average rate.
Crosstrek Model Year | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| 2025 | $157 | Mile Auto | $71 |
| 2024 | $154 | Mile Auto | $71 |
| 2023 | $166 | Mile Auto | $76 |
| 2022 | $138 | Mile Auto | $63 |
| 2021 | $125 | Mile Auto | $57 |
| 2020 | $119 | Mile Auto | $54 |
| 2019 | $129 | Mile Auto | $59 |
| 2018 | $121 | Mile Auto | $55 |
| 2017 | $113 | Mile Auto | $52 |
| 2016 | $108 | Mile Auto | $49 |
As expected, newer Crosstrek models generally cost more to insure. But no matter your Subaru’s age, our data shows Mile Auto is the cheapest option across the board.
Next, we’ll explore how your location can influence your insurance rates.
Where you live also plays a major role in how much you pay for car insurance. Different areas have different insurance laws, accident rates, population densities, and weather patterns, all of which can affect your premium.
The table below shows how average monthly insurance costs for the Subaru Crosstrek vary across most states and Washington, D.C., according to Compare.com data.
State | Average Monthly Premium |
|---|---|
| Alabama | $86 |
| Arizona | $115 |
| Arkansas | $165 |
| California | $165 |
| Colorado | $135 |
| Connecticut | $261 |
| Delaware | $159 |
| Florida | $168 |
| Georgia | $171 |
| Idaho | $87 |
| Illinois | $107 |
| Indiana | $93 |
| Iowa | $78 |
| Kansas | $105 |
| Kentucky | $168 |
| Louisiana | $155 |
| Maine | $102 |
| Maryland | $237 |
| Massachusetts | $129 |
| Michigan | $201 |
| Minnesota | $129 |
| Mississippi | $129 |
| Missouri | $126 |
| Montana | $105 |
| Nebraska | $121 |
| Nevada | $205 |
| New Hampshire | $79 |
| New Jersey | $136 |
| New Mexico | $99 |
| New York | $331 |
| North Carolina | $64 |
| North Dakota | $99 |
| Ohio | $87 |
| Oklahoma | $111 |
| Oregon | $111 |
| Pennsylvania | $112 |
| Rhode Island | $99 |
| South Carolina | $189 |
| South Dakota | $83 |
| Tennessee | $97 |
| Texas | $153 |
| Utah | $125 |
| Vermont | $93 |
| Virginia | $124 |
| Washington | $96 |
| District of Columbia | $195 |
| West Virginia | $99 |
| Wisconsin | $87 |
| Wyoming | $83 |
Your age is one of the biggest factors car insurance companies consider when calculating your rates. Teen drivers get in more accidents because they lack experience behind the wheel, so they typically pay more for car insurance.[1] But senior drivers tend to have more experience and safer driving habits, so they pay less for coverage.[2]
The table below shows how insurance costs for Subaru Crosstrek drivers vary by age group, along with the cheapest insurer and the average rate for each, according to Compare.com data.
Age Group | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Teens | $245 | Mile Auto | $112 |
| Adults | $119 | Mile Auto | $54 |
| Seniors | $100 | Mile Auto | $46 |
Teen drivers pay the highest premiums, but rates drop significantly in your 20s and 30s — especially if you have a clean driving record. Mile Auto consistently offers the lowest average rates across all age groups.
Your driving record is another major factor in determining your car insurance rates. If you have speeding tickets, accidents, or DUIs on your driving record, insurers will consider you to be a high risk to insure and charge you a higher premium.
The table below outlines the average insurance costs for Crosstrek drivers based on driving history, along with the cheapest company for each, according to Compare.com data.
Driving Record | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Clean record | $130 | Mile Auto | $59 |
| Speeding ticket | $181 | Mile Auto | $83 |
| At-fault accident | $189 | Mile Auto | $86 |
| DUI | $214 | Mile Auto | $98 |
A single speeding ticket can cause monthly premiums to spike by over $50 for Crosstrek owners, while a DUI increases average rates to more than $200 per month.
Mile Auto continues to offer significantly lower average rates, even for high-risk drivers.
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Certain features of your Subaru Crosstrek can affect how much you pay for insurance since companies consider accident risk and the potential cost of repairs when setting rates. Options that make your car safer can help reduce your rates, but expensive features can increase your rates because they cost more to repair.
Crosstreks come equipped with safety features and other options that can affect your rates, including:[3]
EyeSight driver assist technology: This safety suite includes adaptive cruise control, lane assist, and pre-collision braking, which can reduce crash risk and qualify for safety discounts.
All-wheel drive (AWD): Standard on all Crosstreks, AWD improves handling but can increase repair costs.
Blind-spot detection and rear cross-traffic alert: These features help avoid collisions and may qualify for discounts.
STARLINK navigation systems: Advanced multimedia systems can make repairs more expensive, especially with full-coverage policies.
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If you want to lower your Crosstrek insurance premium, some ways to cut costs without sacrificing coverage include:
Choose a higher deductible. Raising your deductible can lower your monthly premium. But you’ll pay more out of pocket if you need to file a claim, so make sure you can afford the extra expense.
Avoid small claims. Paying out of pocket for minor repairs can help you maintain a clean claims history and lower your premium.
Drive less. If you only use your Crosstrek for weekend trips or local errands, ask your insurer about low-mileage discounts and pay-per-mile programs.
Take a defensive driving course. Completing an approved driving course can help lower your premium, especially if you’re a younger driver.
Compare quotes often. The deal you get today might not be the best in the future. Regularly comparing rates ensures you never overpay for coverage.
Get personalized rates from 100+ top insurers.
To help you make the best decision for your insurance coverage, we’ve addressed some common insurance questions from Subaru Crosstrek drivers. Check them out below.
Not especially. On average, Subaru Crosstrek insurance costs $130 per month. That’s cheaper than the national average of $150, according to Compare.com data. But your rate may vary based on factors like your age, location, and driving history.
Mile Auto offers the cheapest average rates for the Subaru Crosstrek, at just $59 per month, according to Compare.com data.
Crosstrek drivers pay an average monthly premium of $157 for car insurance, according to Compare.com data. Newer models tend to cost more to insure because they’re worth more and have higher repair and replacement costs.
The cheapest Subaru to insure is the Forester, with an average monthly premium of $114, according to our data. Insurers consider a car’s features, repair costs, and values when determining rates for different models.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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