Subaru Crosstrek Cost of Ownership
The 2026 Subaru Crosstrek is cheap to buy, but the real cost shows up over five years of depreciation, fuel, insurance and maintenance. Here is the full breakdown, plus a calculator to adjust it to your mileage.
The Crosstrek holds value unusually well, shedding only about 15% a year. That props up its five-year total cost relative to faster-depreciating rivals, and it means used examples stay pricey, so the new-versus-used gap is narrow.
A suv the size of the Crosstrek carries heavier fuel and tire costs than a compact, and at 29 MPG the fuel line scales fast with mileage. The calculator above is worth running with your real annual miles before you commit.
Key assumptions for this page
Sources: Kelley Blue Book · U.S. Bureau of Labor Statistics — figures are estimates last reviewed 2026; verify before purchase.
What is source-backed vs modeled?
Published sources help shape the baseline where available. Local insurance and ownership indexes are modeled estimates, not insurer or lender quotes — they combine public demographic and cost signals with conservative assumptions. Replace the defaults with your own quote before deciding.
Run your own numbers
Your numbers
True cost per year
$9,607
Cost per mile
$0.8
Cost per month
$801
Insight — For most owners, depreciation is the largest line — often more than fuel and insurance combined — yet it never shows up on a monthly bill. Insurance is the cost you can change fastest without selling the car.
What if Annual mileage changes?
| Annual mileage | True cost per year |
|---|---|
| 6,000 mi | $8,879 |
| 9,000 mi | $9,243 |
| 12,000 mi · now | $9,607 |
| 15,000 mi | $9,972 |
| 20,000 mi | $10,579 |
Shop your insurance the smart way
Know your benchmark here, then compare real quotes from several carriers — prices for the same driver vary a lot.
Explore insurance toolsFree · No sign-up · Independent, source-based math
Good to know
Specific, useful answers for this page.
Is the Subaru Crosstrek expensive to own?＋
Over five years, the biggest cost is depreciation (~15%/yr), followed by insurance and fuel. Its reasonable insurance factor helps keep the total down. The breakdown above has the full picture.
What's the Crosstrek's running cost?＋
At 29 MPG, fuel is a moderate yearly cost. Adjust your annual mileage above to see your real number.
How much does maintenance add on a Subaru Crosstrek?＋
A suv this size goes through tires and brakes faster, so budget above a compact sedan. On a $27k vehicle, parts and labor scale with complexity, which the breakdown above folds into the five-year total.