How Much Does Subaru Crosstrek Insurance Cost?
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If you’re looking for a compact SUV, one of the better options on the market might be the Subaru Crosstrek, especially if you’re looking for something that’s designed to be a little bit more of an outdoorsman’s vehicle.
Of course, when you’re getting a new vehicle, including a Subaru Crosstrek, there are a lot of hidden costs and other factors to consider that can make a big difference in your budget and what vehicles you can afford.
One of the highest costs, and most often overlooked costs, is how much Subaru Crosstrek insurance costs. If you’re considering getting a Subaru Crosstrek, you need to know how much Subaru Crosstrek insurance costs what factors will raise or lower the cost.
Don’t worry. We’ve got you covered.
In this article, we’ll talk about what Subaru Crosstrek insurance costs, what factors make a difference, and what you need to know when you’re budgeting for car insurance costs.
How Much Does Crosstrek Insurance Cost?
In a very rare example of a new car costing less than average, when it comes to insurance, the Subaru Crosstrek is estimated to average about $118 a month, according to The Zebra. That’s roughly $11 less per month than the average cost of insurance for all vehicle owners in the United States.
Why is it so impressive for the Subaru Crosstrek to cost less than average?
Well, there are a few different reasons. For one thing, brand new vehicles almost always cost more than average because they’re higher value compared to cars that are even a single year old. It’s also rare because the Subaru Crosstrek is a larger vehicle, even though it’s considered a compact SUV.
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Why Does The Subaru Crosstrek Cost Less To Insure Than Other Vehicles?
There are a few different reasons the Subaru Crosstrek costs a little less to insure than other vehicles. For one thing, Subaru has a great reputation for being incredibly consistent and safe vehicles. That’s important because the safety rating of a vehicle is one of the most important factors in how much it costs to insure.
At the same time, the Crosstrek is also designed to be durable and hard-wearing. It’s meant to be a vehicle that can do basically anything while staying affordably priced.
That also means that your Crosstrek is likely to need fewer repairs when something does go wrong and that the cost of the repairs may be lower than with other vehicles.
In fact, one of the reasons that repairs often cost a little less than other vehicles is that parts for the Subaru are common and highly affordable.
But some of this is just that the market for Subaru Crosstrek insurance is just a little low at the moment. That’s important because it means that the market might change, and you can’t always count on low insurance prices in the future.
Other Factors Impacting Subaru Crosstrek Prices
There are a lot of things to consider when you’re thinking about the prices of your Subaru Crosstrek insurance. For one thing, what kind of insurance are you getting?
The higher the coverage on your insurance policy, the more expensive your money payments will be.
That’s actually one of the other reasons that Subaru Crosstrek insurance prices tend to be a little lower than average. Because the cost of repairs is estimated lower, and the value of the vehicle is on the affordable side of a consumer vehicle, you often can get away with a lower coverage limit on your insurance.
Of course, that does mean you’re assuming the additional risk of covering anything above and beyond the limit on your insurance or totaling the vehicle and having to buy a new one.
But, those are far from the only factors going into your insurance costs. In fact, you might still end up paying more than average for Subaru Crosstrek insurance, depending on these other important insurance factors.
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Your Driving Record and Insurance
One of the most important factors when it comes to the cost of insurance is your driving record and whether you’re considered a low or high-risk driver.
The biggest single impact on your car insurance prices, for instance, is probably whether or not you’ve ever been convicted of a DUI. That’s because DUIs are both considered more dangerous and are a long-term predictor of driving risk.
In some states, people with a previous DUI conviction might even be required to carry a higher grade of insurance than other drivers just to help cover the additional risks and costs associated with them driving again.
But even ordinary accidents and speeding tickets can impact your insurance prices.
Usually, the longer you go without an accident or ticket, the lower your insurance premiums will be. But, if you’ve had an accident in the last 5 years, chances are you’ll pay more for insurance than someone without an accident on their recent record.
Your Age and Sex
The other big factors that can make your Subaru Crosstrek insurance cost more are your age and sex. Men tend to have to pay a little more for insurance, especially when they are young because there are studies that show that men are more aggressive drivers and are more likely to take risks on the road.
But all drivers under age 25 will have to pay more for insurance for the same reason. Until your brain is finished developing, which usually happens between age 23-25, you’re more likely to take risks on the road, which means that insurance companies are at greater risk of paying out.
So, until you hit 25, you’ll likely pay a little more for your car insurance.
Some insurance companies also make clients pay more once they reach a certain age, near retirement. This accounts for the increased risk of poor eyesight, slower reflexes, and declining depth perception.
However, not all insurance companies make seniors pay more, so this isn’t universal.
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Where You Live
The other thing to consider is that insurance just costs more in some areas than others. Places with frequent bad weather, high rates of traffic accidents, or higher than average traffic can also see increased insurance premiums because of the additional cost to the insurance company for insuring in those areas.
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