Honda CR-V vs Subaru Crosstrek Insurance Cost
The Subaru Crosstrek is cheaper to insure by about $25 a year for full coverage by our estimate ($1,200 vs. $1,175), and cheaper in 51 of 51 states.
Side-by-side insurance estimate
| Coverage | Honda CR-V | Subaru Crosstrek | Difference |
|---|---|---|---|
| State minimum | $495 | $475 | +$20 |
| Standard (100/300/100) | $720 | $690 | +$30 |
| Full coverage | $1,200 | $1,175 | +$25 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = CR-V minus Crosstrek.
Why one costs more to insure
| Factor | Honda CR-V | Subaru Crosstrek |
|---|---|---|
| Segment | Small SUV | Small SUV |
| Powertrains | Gasoline, Hybrid, Hydrogen fuel cell | Gasoline, Hybrid, Plug-in hybrid |
| HLDI collision (100 = avg) | 63 | 63 |
| HLDI comprehensive | 65 | 68 |
| HLDI property damage liability | 66 | 66 |
| HLDI bodily injury liability | 80 | 70 |
| NHTSA overall rating | 5★ | 5★ |
| NICB most-stolen rank | #9 | Not in top 10 |
| Recalls (latest 3 model years) | 5 | 2 |
Collision losses are the biggest swing factor: the Subaru Crosstrek has 0 points higher relative collision losses, meaning its crash repairs cost insurers more on average. The Honda CR-V appears on the NICB most-stolen list, adding to comprehensive costs.
CR-V vs Crosstrek insurance by state
By driver profile (full coverage)
| Driver | CR-V | Crosstrek |
|---|---|---|
| Teen driver (18, own policy) | $3,305 | $3,225 |
| Young adult (22) | $1,920 | $1,875 |
| Adult in their 30s | $1,200 | $1,175 |
| Adult in their 50s | $1,105 | $1,080 |
| Senior (72) | $1,345 | $1,315 |
| 30s, one at-fault accident | $1,740 | $1,700 |
| 30s, DUI on record | $2,220 | $2,170 |
More comparisons
Frequently asked questions
Is the Honda CR-V or the Subaru Crosstrek cheaper to insure?
By our estimate the Subaru Crosstrek is cheaper, by about $25 a year for full coverage ($1,200 vs. $1,175) for a driver in their 30s with a clean record.
Why does insurance cost differ between the Honda CR-V and Subaru Crosstrek?
Mostly because of insurance-loss history: HLDI collision indices of 63 vs. 63 and comprehensive indices of 65 vs. 68 (100 = average), plus repair costs, theft rates and segment.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.