Subaru Crosstrek
With No Deposit/No Down Payment.
Subaru Crosstrek Car Insurance Cost
Insurance for your Subaru Crosstrek typically averages around $1,421 per year. This is $804 less than the national average for similar SUV models. Our study focuses on a scenario where a responsible 40-year-old driver with good driving habits, full coverage, and good credit drives approximately 13,000 miles annually. It specifically considers a single-car policy for a brand-new vehicle, excluding any potential discounts for multiple cars.
Keep in mind that insurance costs can differ significantly based on factors like your age, location, the insurance company you choose, and how much you drive. Other aspects, including recent accidents, traffic violations, and your credit history, also play a role in determining your insurance rates. These variables collectively influence the overall cost of insuring your Subaru Crosstrek.
Who has the Cheapest Car Insurance for a Subaru Crosstrek?
If you’re on the lookout for affordable car insurance for your Subaru Crosstrek, it’s important to explore various options to find the best fit. To help you with this, we’ve compiled a list of some insurance companies and their average monthly premiums. Remember, these are averages, and actual rates can vary based on individual factors.
Here’s a breakdown of the top 5 insurance companies for Subaru Crosstrek, along with their average monthly premiums:
| Insurance Company | Average Monthly Premium |
|---|---|
| Mile Auto | $28 |
| ACG | $32 |
| Acceptance | $33 |
| Hugo | $35 |
| Verti | $39 |
Mile Auto takes the lead with the lowest average rates, offering liability-only coverage for as low as $28 per month. Following closely is ACG, providing car insurance for just $32 a month. The next three in line are Acceptance, Hugo, and Verti.
It’s crucial to note that these rankings are based on averages and may not necessarily reflect the lowest rates for everyone. Car insurance companies consider various factors unique to each driver when determining premiums. To ensure you find the most affordable option, it’s recommended to obtain personalized quotes and compare rates from different auto insurance carriers. This way, you can tailor your decision to your specific needs and circumstances.
Subaru Crosstrek Car Insurance Discounts
Getting the best deal on car insurance is crucial, no matter what car you drive, where you live, or how old you are. To make the most of your car insurance, it’s essential to leverage discounts that can help lower your overall costs. Let’s explore some common discounts that may be available to you:
- Pay-in-Full Discount: Opting to pay your entire insurance policy upfront instead of in monthly installments can earn you a discount.
- Multi-Policy Discount: If you bundle your home and auto insurance with the same company, you may qualify for a multi-policy discount.
- Multi-Vehicle Discount: If you have more than one car covered under the same auto policy, you could be eligible for a multi-vehicle discount.
- Defensive Driving Discount: Completing a defensive driving class from a certified school or institution may make you eligible for a discount.
While these discounts are helpful, it’s important to note that maintaining a clean driving record and avoiding recent insurance claims can also contribute significantly to savings. Even though you can’t control every factor that insurance companies consider when calculating rates, there are several aspects you can manage.
Ways to Save on Subaru Crosstrek Insurance
Want to spend less on your Subaru Crosstrek car insurance? Here are five simple ways to help you secure the most affordable rates for your Subaru Crosstrek auto insurance.
Brush Up on Your Driving Skills:
- Consider taking a refresher course, especially if you’re an older driver. This can not only make you a safer driver but also potentially lower your insurance premiums.
Research Before You Choose:
- Before picking an insurance company, read reviews and check for any complaints filed in your state. It’s essential to choose a reliable insurer with a good reputation to ensure you get the best coverage for your Subaru Crosstrek.
Be Aware of Mid-Term Rate Changes:
- Your insurance rates can change mid-term for various reasons. Stay informed about potential adjustments and understand the factors that could impact your Subaru Crosstrek auto insurance rates during your policy term.
Leverage Your Education:
- If you have a college degree or higher, don’t hesitate to ask for a discount. Some insurers offer discounts for higher education levels, so be sure to mention your qualifications when exploring Subaru Crosstrek insurance options.
Be Patient After Accidents:
- Accidents on your driving record can affect your insurance rates. However, if you can wait six years, most accidents will no longer impact your premiums. Practice safe driving habits, and over time, you’ll see a reduction in your Subaru Crosstrek insurance costs.
Subaru Crosstrek Insurance Rates by Age
Car insurance prices can be different for people of different ages. Your age is a big deal when it comes to how much you pay for car insurance, and it’s something you can’t change. Usually, younger drivers pay more for car insurance, and as you get older, the prices tend to go down.
The biggest drop in prices happens when you go from being a teenager to being in your 20s. On average, the cost decreases by about $1,833 per year during this time. Another significant drop happens when you move from your 20s to your 30s, with an average decrease of $1,614 per year. As you go through each decade after that, the reductions in prices are not as big.
FAQS About Subaru Crosstrek Car Insurance
Several things can affect how much you pay for insurance on your Subaru Crosstrek. Your driving history, age, where you live, credit score, deductible amount, coverage limits, and the insurance company you choose all play a role. Additionally, safety features of the Crosstrek, repair costs, and how often it’s stolen can impact your insurance rates.
The cost of insuring a Subaru Crosstrek can vary, but generally, it tends to have lower insurance rates compared to other cars in its class. This is because the Crosstrek is known for its safety features and reliability. It’s a good idea to check with different insurance companies to find the best rates for your situation.
If you want to find affordable insurance for your Subaru Crosstrek, follow these tips:
- Compare quotes from different insurance providers.
- Keep a good driving record without any traffic violations or accidents.
- Consider a higher deductible if you can afford it, as it may lower your premium.
- Look for discounts, such as multi-policy or safe driver discounts.
- Install safety features like anti-theft devices or an alarm system to potentially reduce your rates.
Yes, depending on the insurance company and your location, Subaru Crosstrek owners may be eligible for specific discounts. Some common ones include:
- Safety feature discounts: If your Crosstrek has advanced safety features, like adaptive cruise control or lane departure warning, you might get discounted rates.
- Multi-policy discounts: If you bundle your car insurance with other policies, like homeowners or renters insurance, you may receive a discount on all policies.
- Good driver discounts: Keeping a clean driving record with no accidents or traffic violations can make you eligible for lower insurance rates.
Generally, the fuel efficiency of the Crosstrek doesn’t directly affect insurance rates. Premiums are mainly based on factors like safety features, repair costs, theft rates, and the driver’s profile. However, fuel-efficient vehicles like the Crosstrek might indirectly influence rates by potentially qualifying for certain eco-friendly or low-mileage discounts offered by some insurance providers.
About the Author
Alex Huber is a content writer for Atoz Insurances and he is a very experienced and well-rounded freelance content writer who specializes in the insurance and finance niches. His writing is engaging and informative, and he has a strong understanding of the industries he writes about.