Average Price for Car Insurance for 74 Year Old Woman
Quick Facts
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A Subaru Crosstrek costs less than most other SUVs to insure.
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Liability insurance for a Crosstrek tends to be about $61 per month, while full coverage usually comes in at around $134 monthly.
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The most affordable auto insurance company for a Crosstrek is Good2Go.
Crosstrek Overview
The Subaru Crosstrek is a great budget-friendly option for any driver, with new 2021 models starting at $23,295. In addition to it being on the affordable end of the spectrum when it comes to overall price point, it's also a smart choice for your budget when considering your car insurance prices.
After analyzing thousands of insurance quotes through Compare.com, we've found that Subaru Crosstrek car insurance rates average out to about $126 per month. How do auto insurance premiums for the Crosstrek stack up against other similar SUVs?
| Current Base Price | $23,295 |
| Body Style(s) | SUV |
| Trim Levels | CROSSTREK, LIMITED, PREMIUM, SPORT |
| Average Insurance Premium | $126/mo. |
| Cheapest Insurance Company | Good2Go |
How Much is Car Insurance for a Subaru Crosstrek?
| Vehicle | Liability Only | Full Coverage |
|---|---|---|
| Subaru Crosstrek | $61 | $134 |
| All Subaru Models | $71 | $157 |
| All SUVs | $81 | $152 |
| Average Insurance Premium | $81 | $169 |
Looking at the table above, you can see that compared to other vehicles, Subaru Crosstrek insurance rates are lower than average. On average, Crosstrek drivers can expect to pay around $61 a month for liability insurance, and about $134 monthly for full coverage, which has comprehensive and collision coverages in addition to liability (discover more about the difference with our guide "State Minimum vs. Full Coverage").
When you compare it to other Subaru models, the Crosstrek is more affordable, with prices more than 10% lower than the rest of the manufacturer's vehicle offerings. Compared to SUV offerings from other brands, insurance for a Crosstrek is also more affordable, with liability only insurance premiums coming in around 25% less and 12% less for full coverage.
They're also more affordable to insure than the average vehicle overall, regardless of body style, model, or make.
Who has the Cheapest Car Insurance for a Subaru Crosstrek?
| Insurance Company | Average Monthly Premium |
|---|---|
| Mile Auto | $28 |
| ACG | $32 |
| Acceptance | $33 |
| Hugo | $35 |
| Verti | $39 |
If you're in the market for a new auto insurance policy for your Subaru Crosstrek, you may be wondering which carrier offers the most affordable prices. Even though prices can vary pretty dramatically from policyholder to policyholder, Mile Auto provides the lowest average rates for liability only coverage, with rates as low as just $28 per month. With car insurance as little as just $32 a month, ACG is the next cheapest car insurance company.
Finishing off the rest of the top 5 are Acceptance, Hugo, and Verti. However, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.
Car insurance companies take a wide array of different variables into consideration when offering you premiums. Because every driver is different, there's only one way to ensure you get the lowest prices, and that's by getting personalized quotes and comparing rates from an array of auto insurance carriers.
What Factors Affect Car Insurance Rates for a Subaru Crosstrek?
There are several pieces that insurance companies look at to calculate how much they charge for car insurance -- and each carrier uses a different method, so there's not one company that's the most affordable for every driver.
Below are just a few of the factors auto insurance carriers look at and how each one affects your final rate:
Vehicle Age
| Vehicle Age | Average Monthly Premium |
|---|---|
| Less than 1 Year | $64 |
| 2-3 Years | $58 |
| 4-5 Years | $60 |
| 6-7 Years | $67 |
| 8-10 Years | $52 |
| 11-14 Years | Not Enough Data |
| 15 Years or Older | Not Enough Data |
The Subaru Crosstrek has been around for a while -- that means vehicle age will likely make a big difference in what you end up paying for insurance. Typically, it costs less to insure older cars because they're worth less than newer models, and as time goes on and Crosstreks begin to depreciate, insurance costs will gradually get lower.
As you can see in the table above, the Subaru Crosstrek is in line with this trend, as the most expensive models to insure are those that are 6 to 7 years old, while on average, the cheapest models are Crosstreks that are 8 to 10 years old.
Your Age
| Age | Average Monthly Premium |
|---|---|
| Under 18 | $171 |
| 18-24 | $74 |
| 25-34 | $58 |
| 35-44 | $49 |
| 45-54 | $52 |
| 55-64 | $45 |
| 65 or Older | $56 |
Age plays a role in how much you pay for car insurance. As you can see in the table above, teenage Crosstrek drivers have higher premiums than older drivers. In this case, drivers under 18 pay more than twice as much as those 25 or older.
Insurance prices continue to go lower as you get older, with the cheapest age group for Crosstrek drivers being 55-64.
Your Gender
| Gender | Average Monthly Premium |
|---|---|
| Male | $64 |
| Female | $58 |
You may not know, but insurance is normally cheaper for women than it is for men. This is because women are less likely to get speeding tickets and get into collisions, which lowers the chances of an insurance claim. The Subaru Crosstrek sticks to the norm, where men pay about $64 monthly for auto insurance, while women pay around $58.
Where You Live
| State | Average Monthly Premium |
|---|---|
| California | $49 |
| Florida | $83 |
| Georgia | $102 |
| Illinois | $39 |
| New York | $133 |
| North Carolina | $42 |
| Ohio | $41 |
| Pennsylvania | $50 |
| Texas | $55 |
| Virginia | $52 |
You may already know that things like how old you are and what vehicle you drive play a role in your insurance rates, but did you know that where you live can have just as much as an impact? Auto insurance is regulated on the state level rather than nationally, so premiums can fluctuate quite a bit from state to state.
For example, the average Subaru Crosstrek driver in New York pays about $133 per month for liability coverage. Meanwhile, the same owner from California will pay less than half of that price, on average. The chart above shows average rates for the top 10 most populous states, just to give you a good idea of how much prices can change across states.
Subaru Crosstrek Car Insurance Discounts
Whatever what car you drive, where you live, or how old you are, using as many discounts as possible when it comes to your car insurance is always important when shopping around for a new policy.
Not every auto insurance carrier will offer the same discounts, but there are a few that are relatively universal. These include things like:
- Pay-in-full discounts for choosing to pay your entire policy price up front, rather than by monthly payments
- Multi-policy discounts for bundling your home and auto policies with the same insurance company
- Multi-vehicle discounts for adding more than one car to your auto policy
- Defensive driving discounts for taking a defensive driving class from a certified school or institution
However, discounts aren't the only way to save. And often, the best way to save isn't through a "discount" at all, but rather by maintaining a clean driving record or not having recent insurance claims.
Although you don't have control over every factor insurance companies examine to calculate rates (like some of the ones mentioned above), there are quite a few that are in your control. Below are just a few of the ones you can use in your favor when it comes to saving some cash:
Your Driving Record
| Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $70 |
| Multiple Accidents | $82 |
| 1 Ticket | $65 |
| Multiple Tickets | $69 |
You've most likely observed ads from auto insurance carriers promoting big savings for safe drivers. It checks out that your car insurance premiums will go up if you get into an accident or get speeding tickets. But exactly how much will these infractions cost you?
If you look at the table above, you'll notice that accidents will usually cost Crosstrek drivers more than tickets, but both will result in above average rates. Subaru Crosstrek drivers with a single ticket will pay an average of $65 a month, while drivers with one accident on their record pay about $70 a month (up $9 from the $61/mo. overall average). Those with multiple kinds of either violation will end up paying even more.
How Much You Drive
| Annual Mileage | Average Monthly Premium |
|---|---|
| 0-2,500 Miles | $69 |
| 2,501-5,000 Miles | $57 |
| 5,001-7,500 Miles | $63 |
| 7,501-10,000 Miles | $62 |
| 10,000+ Miles | $59 |
Another variable you have control over is the total distance you drive annually. Drivers who are on the roads less often are less likely to get into collisions, so they'll typically end up spending less on auto insurance. Above, you can see that Subaru Crosstrek owners who drive less than 2,500 miles pay $69 for insurance, while those who drive between 2,500 and 5,000 miles every year pay about $57 monthly.
But if you work from home or drive less often than the average driver, it may be worth considering pay-per-mile or usage-based car insurance. With these policies, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.
How Do Subaru Crosstreks Compare to Other Vehicles?
If you're thinking about buying a new SUV and a Subaru Crosstrek is on your shortlist, you might want to know how it compares to other cars. Insurance is just one cost that's associated with a new car purchase, but it's definitely one that's worth considering.
Visit the table below to see how the Subaru Crosstrek stacks up:
| Subaru Crosstrek | National Average | |
|---|---|---|
| Liability Insurance | $64 | $81 |
| Full Coverage Insurance | $140 | $169 |
| Base MSRP | $23,295 | $46,179 |
| Average Annual Mileage | 9,976 | 11,660 |
With an MSRP that's a third less than the going rate for a new vehicle, the Subaru Crosstrek is a fantastic value when it comes to price. The Crosstrek has an MSRP of $23,295, which is much cheaper than the national average vehicle MSRP of $46,179.
Similarly, insurance prices are lower when compared to other vehicles on the market. Liability insurance for a Subaru Crosstrek is around $17 per month less than average, while full coverage is over $20 cheaper per month.
When it comes to usage, Subaru Crosstrek drivers are much lower than the national average in annual miles driven, with 9,976 miles each year compared to 11,660 for all vehicles.
Subaru Crosstrek Car Insurance Costs by Model Year
So far, you've seen how different variables affect how much the average driver pays to insure a Subaru Crosstrek. If you're in the market for a new car, truck, or SUV and the Crosstrek is on your wishlist, having a good idea of exactly how much you'll pay can be extremely helpful as you weigh your choices and compare it to other vehicles on your shortlist.
So we've done the heavy lifting and analyzed Subaru Crosstrek car insurance rates by model year. Simply find the model year you want in the dropdown to see average rates for both full coverage and liability only options. We've also included some other helpful info that might help you make a decision, like which trim levels are offered, who offers the cheapest policies, and the base MSRP for each Crosstrek model year.
2021 Subaru Crosstrek Car Insurance
| Liability Only Avg. Premium | $64 |
| Full Coverage Avg. Premium | $140 |
| Base MSRP | $23,295 |
| Cheapest Insurance Company | Hugo - $18/mo. |
| Available Trims | CROSSTREK, LIMITED, PREMIUM, SPORT |
When considering a brand new Subaru Crosstrek, there's more to choose from than just color. A 2021 Subaru Crosstrek starts at about $23,295 for the base model, with four different trim levels to pick from.
When it comes to insuring a Crosstrek, the average 2021 Subaru Crosstrek generally costs around $64 monthly to insure for liability only and $140 a month for full coverage. And if you want the most affordable insurance possible, Hugo offers liability only policies for as cheap as $18 monthly.
While it's great to know the average price drivers pay for insurance, you'll only find out exactly what you'll pay if you get a personalized quote. Luckily, Compare.com will gather quotes from lots of companies for you, all for free. To get started, simply enter your ZIP code below.
2020 Subaru Crosstrek Car Insurance
| Liability Only Avg. Premium | $66 |
| Full Coverage Avg. Premium | $147 |
| Base MSRP | $22,145 |
| Cheapest Insurance Company | DirectGeneral - $17/mo. |
| Available Trims | CROSSTREK, LIMITED, PREMIUM |
If you're looking to buy a 2020 Crosstrek or already own one, you can expect an average auto insurance rate of about $147 for full coverage or $66 for a liability only policy.
And if you're just looking for the cheapest car insurance for your Crosstrek, DirectGeneral offers liability only policies for as little as $17 per month.
Want something more accurate than national averages? Enter your ZIP code below to get several free customized quotes.
2019 Subaru Crosstrek Car Insurance
| Liability Only Avg. Premium | $61 |
| Full Coverage Avg. Premium | $138 |
| Base MSRP | $21,895 |
| Cheapest Insurance Company | Clearcover - $25/mo. |
| Available Trims | CROSSTREK, LIMITED, PREMIUM |
2019 Subaru Crosstrek drivers can expect to pay an average of $61 a month for liability or $138 for full coverage.
We found Clearcover offered the lowest policy, with rates sometimes as low as $25 monthly.
If you want to know just how much your price will be, just enter your ZIP code below and get several free quotes in minutes.
2018 Subaru Crosstrek Car Insurance
| Liability Only Avg. Premium | $59 |
| Full Coverage Avg. Premium | $140 |
| Base MSRP | $21,795 |
| Cheapest Insurance Company | Liberty Mutual - $20/mo. |
| Available Trims | CROSSTREK, LIMITED, PREMIUM |
The average cost to insure a 2018 Crosstrek with liability only coverage is $59 a month, while full coverage runs around $140 per month.
With premiums as low as $20 a month, Liberty Mutual offered the cheapest policy we found for the 2018 Subaru Crosstrek.
If you want to know exactly how much you can expect to pay for your Crosstrek, get free quotes in minutes by just entering your ZIP code below.
2017 Subaru Crosstrek Car Insurance
| Liability Only Avg. Premium | $60 |
| Full Coverage Avg. Premium | $133 |
| Base MSRP | $21,695 |
| Cheapest Insurance Company | Commonwealth Casualty - $24/mo. |
| Available Trims | CROSSTREK, LIMITED, PREMIUM |
On average, drivers who own a 2017 Subaru Crosstrek can expect to pay $60 to $133 monthly for liability only and full coverage auto insurance, respectively.
Commonwealth Casualty has prices as cheap as just $24 per month for the 2017 Subaru Crosstrek.
Interested in just how much you'll pay? Just enter your ZIP code below to get a variety of customized quotes for free.
2016 Subaru Crosstrek Car Insurance
| Liability Only Avg. Premium | $58 |
| Full Coverage Avg. Premium | $134 |
| Base MSRP | $21,595 |
| Cheapest Insurance Company | MetLife - $17/mo. |
| Available Trims | 2.0I HYBRID, 2.0I HYBRID TOURING, CROSSTREK, LIMITED, PREMIUM |
It costs about $58 monthly for liability or $134 for a full coverage policy for the 2016 Crosstrek.
MetLife offered the lowest policy we found, with rates sometimes as cheap as $17 per month.
And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.
2015 Subaru Crosstrek Car Insurance
| Liability Only Avg. Premium | $62 |
| Full Coverage Avg. Premium | $135 |
| Base MSRP | $21,595 |
| Cheapest Insurance Company | MetroMile - $19/mo. |
| Available Trims | 2.0 LIMITED, 2.0 PREMIUM, 2.0I HYBRID, 2.0I HYBRID TOURING, SPORT LIMITED, XV CROSSTREK |
You can expect full coverage for a 2015 Subaru Crosstrek to run around $135 a month, while liability only coverage will average about $62 per month.
Looking for the most affordable policy? MetroMile offered liability only coverage for sometimes as little as $19 a month.
If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.
2014 Subaru Crosstrek Car Insurance
| Liability Only Avg. Premium | $56 |
| Full Coverage Avg. Premium | $124 |
| Base MSRP | $21,995 |
| Cheapest Insurance Company | Liberty Mutual - $17/mo. |
| Available Trims | 2.0 LIMITED, 2.0 PREMIUM, 2.0I HYBRID, 2.0I HYBRID TOURING |
The average cost to insure a 2014 Crosstrek with liability only coverage is $56 monthly, while full coverage runs around $124 a month.
If you're looking for the lowest possible 2014 Subaru Crosstrek insurance policy, Liberty Mutual offered the lowest policy we found, with rates as cheap as $17 per month.
What could your insurance premium look like? Get multiple personalized quotes for free by just entering your ZIP code below.
2013 Subaru Crosstrek Car Insurance
| Liability Only Avg. Premium | $70 |
| Full Coverage Avg. Premium | $127 |
| Base MSRP | $21,995 |
| Cheapest Insurance Company | Mercury - $22/mo. |
| Available Trims | 2.0 LIMITED, 2.0 PREMIUM |
You can expect full coverage for a 2013 Subaru Crosstrek to run about $127 monthly, while liability only coverage will average around $70 a month.
With premiums as cheap as just $22 per month, Mercury offered the cheapest policy we found.
If you want to know just how much your rate will be, get free quotes in minutes by just entering your ZIP code below.
Subaru Crosstrek Insurance FAQs
Is a Subaru Crosstrek expensive to insure?
The Subaru Crosstrek is relatively cheap to insure compared to the average vehicle. Liability insurance runs an average of $61 monthly, while full coverage will cost you around $134.
How can I get the best price on car insurance for my Subaru Crosstrek?
There's only one way to be confident you're getting the most affordable rates -- regularly shopping around and comparing quotes from many carriers. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from a range of companies at once, meaning you can find the lowest rates (or guarantee you already have the best deal) for free.
Does the color of my Subaru Crosstrek affect my insurance prices?
You've probably heard the old adage that it costs more to insure a red car than cars of other colors, but that's just a myth. There are a variety of things auto insurance carriers think about when they offer premiums, but the color of your Subaru Crosstrek is not factored into that decision.
Do I need to have insurance before I buy a Subaru Crosstrek?
You'll need to have an insurance policy in place before you can legally driver your new (or new to you) Crosstrek off the dealership lot. Some dealerships will offer you one during the purchase process, but the best thing to do when buying a an SUV is to let your car insurance carrier know beforehand.
What car insurance discounts can I get for my Subaru Crosstrek?
There are many discounts out there when it comes to insurance. Many of them (like "multi-policy discounts" and "safe driver discounts") are more based on you than the car you drive, but if your Crosstrek has safety features like airbags, anti-theft systems, anti-lock brakes, and other features, it may qualify for certain discounts. To find out which discounts you may receive, talk with your insurance agent and ask about which discounts they offer.
Average Price for Car Insurance for 74 Year Old Woman
Source: https://www.compare.com/auto-insurance/vehicles/subaru/crosstrek
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