How much is insurance on a Subaru Crosstrek?

Priced for the 2024 Crosstrek AWD, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Crosstrek's rank is the same in every state.

Why the Subaru Crosstrek costs what it does

What HLDI reports (2022–24 models, all drivers combined)

The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the Subaru Crosstrek station wagon 4WD with EyeSight, on HLDI's scale where 100 is an average car and lower is better, it reports 63 for crash repairs, 68 for non-crash damage, 66 for damage to others' property, and 70 for injury claims.

• Crash repairs (collision)fixing this car after a crashBetter than average37% better than average2nd best of the 52 small SUVs we compare
• Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesBetter than average32% better than average7th best of the 52 small SUVs we compare
• Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultBetter than average34% better than average5th best of the 52 small SUVs we compare
• Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costBetter than averagefiled 30% less often than average7th best of the 47 small SUVs we compare

Source: HLDI, insurance losses by make and model, 2022–24 models.

What we estimate that means for price

Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Crosstrek comes out about 36% better than average. We count about half of that difference, so the part of the bill that fixes the car is about 16% less than average: about $800 a year vs $950. On the liability side, damage to others and injury claims combine to about 32% better than average. We count about half, so that part is about 16% less: $830 a year vs $990.

How the math works

In EPA size classes, the Crosstrek is a small SUV (gas-powered). In Highway Loss Data Institute loss tables, the Subaru Crosstrek is benchmarked against small station wagons.

Matched to HLDI series “Subaru Crosstrek station wagon 4WD with EyeSight” (HLDI, 2022–24 models).

A used Subaru Crosstrek, by model year

One model year per age group. Liability only: no coverage for the car itself. Teen columns: a new 16-year-old. Each row uses the HLDI report that covers that model year.

Model year	Full coverage	Liability only	Adding a teen	Teen on their own policy
2024 Crosstrek AWD (0–3 years old)	about $1,630	about $830	+$1,070	about $4,670
2022 Crosstrek AWD (4–7 years old)	about $1,530	about $830	+$1,010	about $4,400
2018 Crosstrek AWD (8–12 years old)	about $1,440	about $830	+$950	about $4,130

Our catalog covers the Subaru Crosstrek across model years 2016–2027. Full coverage on a used 2018 Crosstrek (8–12 years old) runs about $1,440 a year, $190 less than on a 2024. Dropping collision and comprehensive on that 2018 brings liability-only coverage to about $830 a year. Each photo shows that year's generation of the car. Photo credits.

All 2 versions of the 2024 Subaru Crosstrek in our catalog (Crosstrek AWD and Crosstrek Wilderness AWD) price within about $50 a year of each other.

On a policy of their own with a 2024 Subaru Crosstrek, a 22–25-year-old pays about $2,120 a year ($490 more than a 45-year-old), a 26–39-year-old about $1,810, and a driver 65 and older about $1,710.

Adding a 16-year-old with a Subaru Crosstrek

Because the Subaru Crosstrek starts from lower losses than most cars, adding a new 16-year-old driver raises the family bill by about $1,070 a year ($90 a month), $210 less than adding a teen with an average car of the same age. Putting that 16-year-old on a policy of their own instead costs about $4,670 a year, about $3,600 more than sharing the family policy.

For adding a teen driver, the Subaru Crosstrek ranks 5th cheapest out of all 121 models we track. Stepping down to a used 2018 Crosstrek (8–12 years old) brings the teen add-on to about $950 a year.

That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.

Similar small SUVs

Among these 52 small SUVs, the Subaru Crosstrek is the 3rd least expensive to insure. Right next to it are the Subaru Outback (about $1,630 a year) and the Mazda CX-50 (about $1,690).

• 2024 Subaru Foresterabout $1,620 (about the same)
• 2024 Subaru Outbackabout $1,630 (about the same)
• 2024 Subaru Crosstrekabout $1,630 (this car)
• 2024 Mazda CX-50about $1,690 ($60 more)
• 2024 Honda Passportabout $1,720 ($90 more)
• 2024 Honda CR-Vabout $1,740 ($110 more)
• 2024 Volkswagen Atlasabout $1,740 ($120 more)

Photos from Wikimedia Commons contributors. Photo credits.

What a Subaru Crosstrek costs in your state

In six sample states, a 2024 Subaru Crosstrek runs from about $1,050 a year in Maine through Wyoming, Virginia, Missouri and Michigan to about $1,950 in Texas:

• Maineabout $1,050/yr · +$690 teen
• Wyomingabout $1,330/yr · +$880 teen
• Virginiaabout $1,400/yr · +$920 teen
• Missouriabout $1,500/yr · +$990 teen
• Michiganabout $1,780/yr · +$1,170 teen
• Texasabout $1,950/yr · +$1,290 teen

All 50 states and DC · Updated November 5, 2026.

Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.

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