Subaru Crosstrek Car Insurance Rates

The average cost of car insurance for a Subaru Crosstrek would vary depending on various factors such as the driver's age, driving history, and location. However, here are five insurance companies that offer relatively low insurance rates for the Crosstrek:

Lowest rates by company

1. Geico - cost can range from $900 to $1,100 annually, or $75 - $91.66 per month.
2. Progressive - cost can range from $1,000 to $1,200 annually, or $83.33 - $100 per month.
3. State Farm - cost can range from $1,100 to $1,300 annually, or $91.66 - $108.33 per month.
4. Nationwide - cost can range from $1,200 to $1,500 annually, or $100 - $125 per month.
5. Farmers - cost can range from $1,500 to $1,800 annually, or $125 - $150 per month.

To reduce comprehensive and collision coverage to a minimum, some features of the Subaru Crosstrek that may help include:

1. Its standard all-wheel drive system which can improve handling and help prevent accidents.
2. Anti-lock brakes which can prevent wheels from locking up during sudden stops.
3. Rearview camera and blind-spot monitoring to help with safe driving.

In terms of safety rating, the Subaru Crosstrek is rated highly by NHTSA and IIHS. NHTSA awarded the 2021 Crosstrek with a 5-star overall safety rating. IIHS rated the Crosstrek "Good" in all categories and it also earned the prestigious Top Safety Pick+ designation.

Features lowering premium

Some of the most important features of the Subaru Crosstrek that may potentially reduce insurance rates from the perspective of an insurer include:

1. The Subaru Crosstrek has a reputation as a safe vehicle with high safety ratings which means that it is less likely to be involved in an accident.
2. The car includes safety features such as airbags, seatbelts, and driver assistance features such as blind-spot monitoring.
3. The Subaru Crosstrek's all-wheel-drive system enables excellent handling and stability on the road, decreasing the chances of a collision.
4. The Crosstrek's lightweight and compact design makes it easy to maneuver around obstacles, making it less likely to be in an accident.

Research shows that teenagers driving a Subaru Crosstrek can expect to pay a higher car insurance premium due to their lack of driving experience and higher accident rates among young drivers. However, the exact rates can vary significantly depending on multiple factors, including the state of residence and the insurance company.

The annual costs of car insurance for each model year of the Subaru Crosstrek can vary depending on various factors such as location, driving record, and level of coverage. However, on average, the annual cost of car insurance for a Subaru Crosstrek ranges from $1,200 to $1,800, with higher rates for younger drivers.

Teenager rates for different Crosstrek model years

Here are some sample auto insurance rates for a 16-year-old male driving a Subaru Crosstrek for each model year as per Geico Insurance in different states:

• 2021 Subaru Crosstrek: $3,607 (Florida), $3,898 (Texas), $3,002 (California), $4,345 (New York)
• 2020 Subaru Crosstrek: $3,508 (Florida), $3,657 (Texas), $2,886 (California), $4,153 (New York)
• 2019 Subaru Crosstrek: $3,285 (Florida), $3,390 (Texas), $2,531 (California), $3,841 (New York)
• 2018 Subaru Crosstrek: $3,243 (Florida), $3,311 (Texas), $2,469 (California), $3,798 (New York)

Other insurance companies such as Progressive, State Farm, Nationwide, and Allstate also offer similar rates, which may vary depending on the state and other factors.

Safety rating

The Subaru Crosstrek is considered a suitable car for teenagers in terms of its safety features and affordable maintenance costs. According to NHTSA, the Subaru Crosstrek has achieved an overall 5-star safety rating. Its safety features, including Subaru's EyeSight driver assistance technology, can help prevent accidents and reduce insurance costs.

To reach the minimum possible insurance rates for a Subaru Crosstrek, teenagers can take advantage of discounts offered by insurance companies such as good student discounts, safe driver discounts, and discounts for taking driver training courses.

Overall, Subaru Crosstrek is a reliable car and has a good reputation for safety and low maintenance costs. However, some issues may arise with car insurance claims, traffic accidents, and liability insurance.

Most common problems

Here are some common problems related to Subaru Crosstrek car insurance claims, traffic accidents, liability insurance, or problems with specific models:

1. Blindspot monitoring malfunctions: Some Crosstrek drivers have reported issues with the blindspot monitoring system, which can prevent accidents but may create problems with insurance claims if the features fail to work as intended.
2. Engine problems: Certain model years of the Crosstrek have reported engine issues that may increase maintenance costs over time.
3. Windshield cracks: Some Crosstrek owners have reported issues with cracked windshields that can impact driving visibility, but such damage is not always covered under auto insurance policies.
4. Suspension issues: Some Crosstrek owners have reported concerns with the suspension system, which can affect driving performance and fuel efficiency.

Here are some of the trim versions with the most common problems:

1. 2018 Crosstrek: Some owners have reported problems with the engine stalling and battery draining issues in cold weather conditions.
2. 2019 Crosstrek: Some owners have reported issues with the multimedia system and the blindspot monitoring system malfunctioning in certain situations.
3. 2020 Crosstrek: Some owners have reported issues with the oil consumption rate and problems with the engine hesitation while accelerating.
4. 2021 Crosstrek: Some owners have reported issues with the engine noise and the fuel economy not meeting the advertised ratings.

It's important to note that these issues are not necessarily common for all Crosstrek vehicles and often depend on individual driving habits and maintenance practices. If you encounter problems with your Subaru Crosstrek, it's recommended to consult with a certified mechanic or dealership to diagnose the issue and determine the best course of action.

Comparing car insurance prices on the Subaru Crosstrek and its direct competitors can help you determine the best car insurance rates depending on the make and model. Here are some average annual car insurance rates for the Subaru Crosstrek and its competitors:

1. Subaru Crosstrek: Average annual insurance rate is $1,500 - $1,800
2. Honda HR-V: Average annual insurance rate is $1,500 - $1,800
3. Mazda CX-3: Average annual insurance rate is $1,600 - $1,900
4. Jeep Renegade: Average annual insurance rate is $1,600 - $1,900
5. Nissan Kicks: Average annual insurance rate is $1,600 - $1,900

It's important to note that these are just average insurance rates and your actual rate may depend on various factors such as driving history, location, age, gender, and credit score.

Repairs, theft or accidents affect insurance rates

Other factors that can impact car insurance rates include the cost of repairs, the likelihood of theft or accidents, safety ratings, and availability of discounts. In general, the Subaru Crosstrek has a good safety rating, which can help reduce insurance costs. Additionally, the Crosstrek's all-wheel-drive system, anti-lock brakes, and driver assistance features such as blind spot detection can also contribute to lower insurance costs.

Comparing car insurance quotes from multiple insurance providers is the best way to find the most affordable insurance rates for your vehicle. It's recommended to review insurance coverage and costs carefully before committing to a policy to ensure you have the right coverage and the best price.

Subaru Crosstrek insurance rates vary significantly depending on the driver's credit score and driving record. Generally, drivers with poor credit scores or a bad driving record will pay higher annual and monthly car insurance premiums than those with good credit ratings or clean driving histories. 

Subaru Crosstrek & poor credit score and violations

For drivers with poor credit scores, the yearly rate for Subaru Crosstrek car insurance is typically between $1,500 to $2,500 per year. This amount could be even higher if they have a history of moving violations and accidents on their record. The monthly rates may range from $125 - $210 per month in these cases. 

Subaru Crosstrek & great credit score and driver's history

On the other hand, those with an excellent credit rating and no violations stand to enjoy annual Subaru Crosstrek automobile insurance costs that range from as low as $750 to around $1,450 a year. Monthly payments are usually cheap at about $65 - $120 per month. 

Keep other important factors in mind

It's important to note that estimates can change considerably depending on many factors such as location (in some states rates differ greatly), age/gender of driver (younger males tend to be charged more) vehicle trim level (a newer crossover costs more than an older sedan), coverage choices (more comprehensive policies are expensive) etc., so it’s always advisable for each individual motorist to shop around for a better rate tailored specifically for them rather than relying on generic estimates

It's important to keep in mind that these are only estimates and the actual cost of car insurance may vary based on several factors such as location, driving record, credit score, and insurance provider. It's always recommended to compare quotes from multiple providers to find the best rate for your specific situation.

1. According to Moneygeek, the estimated car insurance rates for a Subaru Crosstrek with bad credit, driven by an average driver, is around $2,300 per year. This rate may vary based on the state and insurance provider.
2. Forbes provides a slightly lower estimate, with an average cost of around $1,800 per year for a Crosstrek driven by an average driver, with a clean driving record and fair credit. However, for drivers with bad credit, the rate may increase to around $2,800 per year.
3. Valuepenguin and Finder estimates that the average cost of insurance for a Subaru Crosstrek for a teenager is around $3,500 per year. However, this rate may vary based on the teenager's driving record, location, and insurance provider.
4. Nerdwallet estimates that the average annual car insurance rate for a 2021 Subaru Crosstrek is around $1,321 for a male driver with a clean driving record and good credit. However, the rate may increase to around $2,257 with a teenage driver added to the policy. For drivers with bad credit, the rate may increase to around $2,065 per year.