Subaru Crosstrek Insurance in Minnesota
Rates from $45 – $75/mo minimum coverage, $110 – $184/mo full coverage. Compare top MN carriers below.
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Updated June 2026 · Source: Minnesota DOI + IQ rate model
Average monthly premium — 2024 Subaru Crosstrek, Minnesota
Ranges shown reflect typical driver profiles (clean record, 35-55, average credit, 12k mi/yr). Your actual rate varies by age, credit, prior insurance, and coverage limits. Get a real quote in 2 minutes.
Top carriers for Subaru Crosstrek drivers in Minnesota
"From" rates are directional based on carrier price-leader behavior, not real quotes. Real rate depends on your driver profile.
Why Subaru Crosstrek insurance costs what it does in Minnesota
Lowers liability + medical-payments premiums by ~2–5% vs an equivalent 3-star vehicle.
No theft-rank surcharge on comprehensive premium.
Parts cost and claim severity sit near the national average.
Minnesota is a no-fault state requiring 30/60/10 liability + $40,000 PIP + UM. PIP requirement raises the minimum-coverage floor. Twin Cities premiums are roughly 15% higher than the statewide average.
Frequently asked questions
01How much is Subaru Crosstrek insurance in Minnesota?
Minnesota drivers of a 2024 Subaru Crosstrek pay about $110 – $184 per month for full coverage, or roughly $45 – $75 per month for minimum coverage. Your actual rate depends on age, credit, driving history, mileage, and coverage limits — a real quote from a licensed agent typically takes under 2 minutes.
02Is full coverage required on a financed Crosstrek?
Yes. If your Crosstrek has a loan or lease, the lender will require both comprehensive and collision (together "full coverage") for the duration of the loan. Minnesota law itself only requires the state liability minimums (30/60/10 plus $40,000 PIP + UM), but the lender's contract overrides that.
03What's the cheapest carrier for a Crosstrek in Minnesota?
Cheapest varies by driver profile, but in Minnesota the major carriers most often quoting the lowest premiums for a Crosstrek are GEICO, Progressive, and State Farm. Regional carriers (Western National and American Family) sometimes beat the majors for clean-record drivers. The only way to know is to compare 3-4 quotes side by side.
04Does the Crosstrek's 5-star safety rating lower my premium?
Yes, a small but real amount. The Crosstrek's 5-star NHTSA rating means lower expected injury claims in an at-fault collision, which insurers price into both liability and medical-payments premiums. The discount is typically 2-5% vs an equivalent 3-star vehicle.
05Does Minnesota require SR-22 after a DUI for a Crosstrek?
After a DUI, Minnesota requires an SR-22 filing from your insurer certifying you carry the state minimum coverage. The filing itself is usually $25, but the underlying premium for a Crosstrek typically jumps 60-150% for 3-5 years after the DUI. Some carriers won't write new SR-22s — Progressive, Travelers, and The General are the most common SR-22 writers.