The 2026 Subaru Crosstrek costs about $39,304 to own over 5 years — about $655 per month — at 15,000 miles/year and national-average rates. That breaks down as 5-year depreciation: $9,097; annual insurance: $1,839; annual fuel: $1,810; annual maintenance: $490; annual tires: $330.
Cost of Ownership
2026 Subaru Crosstrek — 5-Year Cost of Ownership
The sticker price is only the start. This calculator builds the 2026 Subaru Crosstrek’s real five-year cost from depreciation, insurance, fuel, maintenance, tires, and financing — then lets you tune it to your state, mileage, and loan. Every figure updates instantly, no sign-up.
At national-average rates, the 2026 Subaru Crosstrek costs about $39,304 to own over 5 years — roughly $655 per month — including depreciation, insurance, fuel, maintenance, tires, and financing at 15,000 miles a year.
- Resale demand stays strong due to brand reputation.
- Depreciation is lower than the compact SUV average.
- Insurance cost is slightly above segment average.
- Vehicle class has moderate monthly ownership costs.
- Fuel cost is lower than typical for AWD compact SUVs.
- Maintenance and tire costs are standard for the segment.
Total ownership costs are below average over five years.
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Ownership Cost
What goes into the number
The five-year total combines six costs: depreciation, insurance, fuel, maintenance and repairs, tires, and loan interest. Depreciation is usually the largest — and the easiest to miss, because you only feel it when you sell or trade in.
Over five years the 2026 Subaru Crosstrek is projected to lose about $9,097 of its value — roughly 34% of its $26,995 starting price — based on CarEdge retention data. That single figure often outweighs fuel and maintenance combined, which is why two cars with the same sticker can cost thousands apart to own.
The recurring costs — insurance, fuel, maintenance, and tires — are shown at national-average rates and 15,000 miles a year. Financing reflects a standard 5-year loan at the national-average new-car rate. Every number is built from real data — depreciation from CarEdge, fuel from current AAA gas prices — never a flat per-mile guess.
Make it your number
National averages are a starting point. Set your state, annual mileage, and loan terms in the calculator above to see what you’d actually pay.
Insurance, fuel prices, registration, and taxes all vary by state — sometimes by thousands over five years. Raising or lowering your mileage rescales fuel, maintenance, and tires, and a higher rate or longer loan term increases the financing cost.
Frequently asked questions
- What is the 5-year cost of ownership for the 2026 Subaru Crosstrek?
- The 2026 Subaru Crosstrek costs about $39,304 to own over 5 years — about $655 per month — at 15,000 miles/year and national-average rates. That breaks down as 5-year depreciation: $9,097; annual insurance: $1,839; annual fuel: $1,810; annual maintenance: $490; annual tires: $330.
- What does 5-year cost of ownership include?
- MotiveGrid's 5-year cost covers six components: (1) depreciation — the value lost over 5 years, sourced from CarEdge retention data; (2) insurance — national-average annual premium; (3) fuel — national-average gas prices at 15,000 miles/year; (4) maintenance and repairs — based on manufacturer service schedules; (5) tires — replacement cycle estimate; (6) financing — a standard 60-month loan at the national-average new-car rate.
- How is depreciation calculated?
- Depreciation is the largest cost component for most vehicles. MotiveGrid uses 5-year retention data from CarEdge — the percentage of original MSRP the vehicle retains at year 5 — applied to the trim's MSRP to derive actual dollar loss. Vehicles that hold value well (like Toyota and Honda models) have lower depreciation costs.
- How much does the 2026 Subaru Crosstrek cost to insure per year?
- The 2026 Subaru Crosstrek costs approximately $1,839 per year to insure at national-average rates. Your actual premium will vary by state, ZIP code, age, driving record, and coverage level. Use the state selector to adjust.
- How much does the 2026 Subaru Crosstrek cost to maintain?
- MotiveGrid estimates approximately $490 per year in maintenance and repairs for the 2026 Subaru Crosstrek at 15,000 miles/year — roughly $2,450 over 5 years. The estimate follows the manufacturer's recommended maintenance schedule plus typical wear items. For exact service intervals, check the maintenance schedule in the owner's manual — intervals vary by model and driving conditions.
- How much does the 2026 Subaru Crosstrek cost to fuel per year?
- At 15,000 miles/year and national-average gas prices, annual fuel cost is approximately $1,810. Enter your state to adjust for regional fuel prices.