120+ moreThe Subaru Crosstrek tends to cost less than similar models, both at the dealership and on your monthly insurance bill. On average, the Crosstrek costs $126 per month to insure.
The Crosstrek is a popular choice for city commuters, weekend explorers, and everyone in between. It earned a spot on Consumer Reports’ 2025 top picks for the second straight year.
Here’s a closer look at what Subaru Crosstrek drivers pay for car insurance coverage for different model years.
The Crosstrek has a high reliability rating from J.D. Power.
Crosstreks cost less to insure than similar models, like the Toyota RAV4 and Mazda CX-30.
USAA, GEICO, and State Farm offer the cheapest Crosstrek insurance.
Crosstrek owners pay $126 per month, on average, for insurance. But your car’s model year makes a difference: A brand-new 2025 Crosstrek costs more to insure than a well-loved 2018, for example. USAA comes out as the cheapest option if you’re a military member, but for everyone else, GEICO tends to offer the best deals.
Here’s how auto insurance costs break down by model year for Crosstrek owners.
Model Year  | Average Monthly Quote |
|---|---|
| 2025 | $151 |
| 2024 | $142 |
| 2023 | $146 |
| 2022 | $127 |
| 2021 | $122 |
| 2020 | $108 |
| 2019 | $123 |
| 2018 | $118 |
| 2017 | $118 |
| 2016 | $109 |
Check quotes from 100+ top insurance companies
The 2025 Crosstrek has a manufacturer’s suggested retail price (MSRP) of $26,560, which is pretty competitive in the crossover market.[?] Its insurance costs aren’t too shocking, either.
Here’s what different insurers are quoting for brand-new models.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $75 |
| State Farm | $89 |
| Allstate | $100 |
| GEICO | $111 |
| American Family | $115 |
| Progressive | $133 |
| Nationwide | $138 |
| Travelers | $146 |
| Farmers | $175 |
| Liberty Mutual | $220 |
With an MSRP of $24,995, the 2024 Crosstrek offers solid value, and auto insurance companies seem to agree. Take a look at what major insurers are charging monthly for coverage on the 2024 model.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $71 |
| State Farm | $84 |
| Allstate | $94 |
| GEICO | $104 |
| American Family | $108 |
| Progressive | $125 |
| Nationwide | $130 |
| Travelers | $137 |
| Farmers | $164 |
| Liberty Mutual | $207 |
With an MSRP of $23,645, the 2023 Crosstrek offers a mix of new-car reliability at a price point that’s below luxury-tier pricing. Auto insurance rates for this model year come in at these averages.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $73 |
| State Farm | $87 |
| Allstate | $97 |
| GEICO | $107 |
| American Family | $111 |
| Progressive | $129 |
| Nationwide | $134 |
| Travelers | $141 |
| Farmers | $169 |
| Liberty Mutual | $214 |
The 2022 Crosstrek starts at $22,445 MSRP, making it one of the more budget-friendly models of recent years. Check out how various insurance companies are pricing coverage.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $63 |
| State Farm | $75 |
| Allstate | $84 |
| GEICO | $93 |
| American Family | $96 |
| Progressive | $112 |
| Nationwide | $116 |
| Travelers | $122 |
| Farmers | $147 |
| Liberty Mutual | $185 |
You could snag a 2021 Crosstrek for $22,245 MSRP when it was new, and insurance costs reflect that reasonable price point. Monthly car insurance premiums from different companies are shown in the table below.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $61 |
| State Farm | $72 |
| Allstate | $81 |
| GEICO | $89 |
| American Family | $92 |
| Progressive | $108 |
| Nationwide | $111 |
| Travelers | $118 |
| Farmers | $141 |
| Liberty Mutual | $178 |
The 2020 Crosstrek had an MSRP of $22,145. Now that it’s a few years older, you’ll see some savings on your car insurance quote. Here’s how monthly costs from top insurers stack up.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $54 |
| State Farm | $65 |
| Allstate | $71 |
| GEICO | $79 |
| American Family | $83 |
| Progressive | $96 |
| Nationwide | $99 |
| Travelers | $105 |
| Farmers | $126 |
| Liberty Mutual | $158 |
With an original MSRP of $21,895, the 2019 Crosstrek represents solid value, and your insurance wallet will thank you, too. Here’s what insurers are charging for this model year.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $61 |
| State Farm | $73 |
| Allstate | $81 |
| GEICO | $90 |
| American Family | $93 |
| Progressive | $108 |
| Nationwide | $112 |
| Travelers | $119 |
| Farmers | $142 |
| Liberty Mutual | $179 |
Back in 2018, you could drive off the lot with a new Crosstrek for $21,795 MSRP. These days, that translates to friendlier auto insurance rates. Consider the table below to see how much coverage costs from major car insurance companies.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $59 |
| State Farm | $70 |
| Allstate | $78 |
| GEICO | $87 |
| American Family | $90 |
| Progressive | $105 |
| Nationwide | $109 |
| Travelers | $114 |
| Farmers | $137 |
| Liberty Mutual | $173 |
The 2017 Crosstrek rolled out with a $21,695 MSRP. As an older model, it generally costs less to insure than newer versions. Insurance companies are quoting these monthly car insurance costs for the 2017 Crosstrek.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $59 |
| State Farm | $70 |
| Allstate | $78 |
| GEICO | $87 |
| American Family | $90 |
| Progressive | $105 |
| Nationwide | $109 |
| Travelers | $114 |
| Farmers | $137 |
| Liberty Mutual | $173 |
With a $21,595 MSRP when it was brand new, the 2016 Crosstrek is now nearly a decade old. Here’s a look at monthly car insurance quotes from different companies.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $54 |
| State Farm | $65 |
| Allstate | $72 |
| GEICO | $80 |
| American Family | $83 |
| Progressive | $97 |
| Nationwide | $100 |
| Travelers | $106 |
| Farmers | $127 |
| Liberty Mutual | $159 |
Where you live is one of the biggest factors affecting what you’ll pay for Crosstrek insurance. But shopping around within your state can still uncover better deals, even if you live in a high-cost area. How much you pay for auto insurance premiums varies significantly across the country.
Here’s how much Subaru insurance costs across the U.S. Alaska and Hawaii are not included due to lack of data.
Protect your Crosstrek for the right price
Your adventure-ready crossover deserves protection that matches how you use it. Basic liability insurance checks the box for minimum requirements, but additional coverages protect you when things don’t go as planned.
Here’s what you need to know about coverage options:[?]
Here are the most common questions Crosstrek owners ask about insurance costs and coverage options.
USAA usually has the lowest car insurance rates for military families, while State Farm and GEICO tend to offer the best prices for drivers who don’t qualify for military-specific coverage.
Crosstreks’ insurance costs are about average — not the cheapest, but definitely not the priciest, either. These crossovers have good safety scores and a solid reputation, which helps keep insurance costs from getting too high.[?]
Most Crosstrek owners pay around $126 per month for insurance. Your cost could be higher or lower depending on factors like your age, location, driving record, claims history, and any discounts you qualify for.
Crosstreks don’t have the cheapest maintenance costs, but they’re not the most expensive, either. You’ll also face similar major repair risks as other vehicle types in this class.[?]
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