Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

Full Bio →

Written by

Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

Full Bio →

Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Looking for a new or used Subaru XV Crosstrek? And wondering how much it costs to insure by year? We researched average annual insurance costs for each model year and have compiled the results for you below.

Subaru XV Crosstrek insurance facts

  • Average full coverage auto insurance premium: $117/month

  • Most affordable companies: GEICO ($78/month) & Progressive ($87/month)

  • XV Crosstrek car insurance cost vs. average rate: $16 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Subaru XV Crosstrek by model year and auto insurer.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Below average Subura XV Crosstrek insurer costs by state:

Risk factors affecting Subaru XV Crosstrek car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on Subaru XV Crosstrek car insurance?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Subaru models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Subaru Automobile Brand

Subaru is the 21st largest worldwide automobile manufacturer from Japan, selling to a small but devoted group of buyers in the United States market. The target market of Subaru is financially stable middle-aged couples with strong family values. All Volkswagen automobiles have high safety ratings, with many of their vehicles getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Outback, Forester, Impreza, and Crosstrek are some of their most popular vehicles.

Higher than average XV Crosstrek repair costs equal higher car insurance rates

Many consumers are attracted to Subaru cars for the stability, safety ratings, and driver-assist technologies, such as the forward-collision warning system and their excellent all-wheel drive (AWD) system. Automotive parts are pretty common, but not as cheap as popular vehicles, like Toyota or Honda. Repairing a Subaru is higher than average since repair parts are more expensive and not as available as popular vehicles. For this reason, many Subaru’s are going to have higher than average car insurance rates to similar vehicles in its class.

Fast depreciation for Subaru XV Crosstrek affecting auto policies

Subarus have a higher than average depreciating value except for the Outback, according to Kelly Blue Book, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Subaru models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

High IIHS and NHTSA safety ratings lower car insurance rates for drivers

Subarus are known for their safety ratings, safety features, 5-star crash test ratings, and EyeSight driver-assist technologies, lowering car insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features in Subaru models. The Outback, WRZ, and Crosstrek are Insurance Institute for Highway Safety (IIHS) “Top Safety Picks,” and the NHTSA consistently gives Subaru top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Subaru automobile owners when buying a car insurance policy.

2021 Subaru XV Crosstrek

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1924
Allied$2006
Allstate$1589
American Family$1369
Amica$2048
Country Financial$1738
Erie$1215
GEICO$945
Kentucky Farm Bureau$1761
Liberty Mutual$1234
Mercury$1529
Nationwide$1305
Progressive$1039
State Farm$1120
Tennessee Farmers$1452
Texas Farm Bureau$1337
The Hanover$1816
Travelers$1653

Compare all 2021 Subaru XV Crosstrek rates

Average Cost to Insure Per Year

$1413

List Price

$22245

Trims Available

Base - 2.0i Premium - 2.0i Limited - Hybrid - Hybrid Touring - Engine: 2.0-liter flat-four-cylinder with 148 horsepower and 145 lb-ft of torque Blind-Spot Detection, Rear Cross-Traffic Alert, Reverse Automatic Braking, with EyeSight driver assist technology, Adaptive Cruise Control, Lane Keep Assist and Sway Warning, Pre-collision braking, Pre-collision throttle management, Active Torque Vectoring, Symmetrical All-Wheel Drive (AWD), Safety Features· Anti-lock brakes · Stability control · Front-impact airbags· Side impact airbags Overhead airbags· Pretensioners · Security system.

2020 Subaru XV Crosstrek

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1914
Allstate$1550
American Family$1355
Country Financial$1730
Erie$1057
GEICO$890
Kentucky Farm Bureau$1726
Liberty Mutual$1124
Mercury$1485
Nationwide$1138
Progressive$967
State Farm$1015
Tennessee Farmers$1430
Texas Farm Bureau$1284
The Hanover$1812
Travelers$1645

Compare all 2020 Subaru XV Crosstrek rates

Average Cost to Insure Per Year

$1386

List Price

$22145

Trims Available

Base - 2.0i Premium - 2.0i Limited - Hybrid - Hybrid Touring - Engine: 2.0-liter flat-four-cylinder with 148 horsepower and 145 lb-ft of torque

2019 Subaru XV Crosstrek

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1905
Allstate$1548
American Family$1354
Country Financial$1720
Erie$1002
GEICO$836
Kentucky Farm Bureau$1723
Liberty Mutual$1045
Mercury$1470
Nationwide$1128
Progressive$889
State Farm$963
Tennessee Farmers$1428
Texas Farm Bureau$1260
The Hanover$1790
Travelers$1644

Compare all 2019 Subaru XV Crosstrek rates

Average Cost to Insure Per Year

$1318

List Price

$21895

Trims Available

Base - 2.0i Premium - 2.0i Limited - Hybrid - Hybrid Touring - Engine: 2.0-liter flat-four-cylinder with 148 horsepower and 145 lb-ft of torque Blind-Spot Detection, Rear Cross-Traffic Alert, Reverse Automatic Braking, with EyeSight driver assist technology, Adaptive Cruise Control, Lane Keep Assist and Sway Warning, Pre-collision braking, Pre-collision throttle management, Active Torque Vectoring, Symmetrical All-Wheel Drive (AWD), Safety Features· Anti-lock brakes · Stability control · Front-impact airbags· Side impact airbags Overhead airbags· Pretensioners · Security system.

2018 Subaru XV Crosstrek

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1835
Allstate$1547
American Family$1353
Country Financial$1719
Erie$945
GEICO$720
Kentucky Farm Bureau$1720
Liberty Mutual$1033
Mercury$1462
Nationwide$1124
Progressive$786
State Farm$836
Tennessee Farmers$1415
Texas Farm Bureau$1248
The Hanover$1786
Travelers$1634

Compare all 2018 Subaru XV Crosstrek rates

Average Cost to Insure Per Year

$1240

List Price

$21795

Trims Available

Base - 2.0i Premium - 2.0i Limited - Hybrid - Hybrid Touring - Engine: 2.0-liter flat-four-cylinder with 148 horsepower and 145 lb-ft of torque

2017 Subaru XV Crosstrek

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $1639
Allstate$1316
American Family$1090
Country Financial$1428
Erie$770
GEICO$635
Kentucky Farm Bureau$1526
Liberty Mutual$863
Mercury$1213
Nationwide$965
Progressive$680
Tennessee Farmers$1124
Texas Farm Bureau$1035
The Hanover$1530
Travelers$1388

Compare all 2017 Subaru XV Crosstrek rates

Average Cost to Insure Per Year

$1230

List Price

$21695

Trims Available

Base - 2.0i Premium - 2.0i Limited - Hybrid - Hybrid Touring - Engine: 2.0-liter flat-four-cylinder with 148 horsepower and 145 lb-ft of torque Blind-Spot Detection, Rear Cross-Traffic Alert, Reverse Automatic Braking, with EyeSight driver assist technology, Adaptive Cruise Control, Lane Keep Assist and Sway Warning, Pre-collision braking, Pre-collision throttle management, Active Torque Vectoring, Symmetrical All-Wheel Drive (AWD), Safety Features· Anti-lock brakes · Stability control · Front-impact airbags· Side impact airbags Overhead airbags· Pretensioners · Security system.

2016 Subaru XV Crosstrek

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1343
American Family$1085
Country Financial$1515
Erie$775
GEICO$590
Kentucky Farm Bureau$1620
Liberty Mutual$823
Mercury$1287
Nationwide$915
Progressive$623
State Farm$689
Tennessee Farmers$1136
Texas Farm Bureau$1025
Travelers$1425

Compare all 2016 Subaru XV Crosstrek rates

Average Cost to Insure Per Year

$1216

List Price

$21595

Trims Available

Base - 2.0i Premium - 2.0i Limited - Hybrid - Hybrid Touring - Engine: 2.0-liter flat-four-cylinder with 148 horsepower and 145 lb-ft of torque Blind-Spot Detection, Rear Cross-Traffic Alert, Reverse Automatic Braking, with EyeSight driver assist technology, Adaptive Cruise Control, Lane Keep Assist and Sway Warning, Pre-collision braking, Pre-collision throttle management, Active Torque Vectoring, Symmetrical All-Wheel Drive (AWD), Safety Features· Anti-lock brakes · Stability control · Front-impact airbags· Side impact airbags Overhead airbags· Pretensioners · Security system.

2015 Subaru XV Crosstrek

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1018
Acuity$ 1018
Allied$ 1022
Allied$ 1022
American Family$ 978
American Family$ 978
Erie$ 603
Erie$ 603
GEICO$ 549
GEICO$ 549
Nationwide$ 1010
Nationwide$ 1010
Plymouth Rock Insurance$ 1041
Plymouth Rock Insurance$ 1041
Progressive$ 784
Progressive$ 784
State Farm$ 727
State Farm$ 727
Tennessee Farmers$ 902
Tennessee Farmers$ 902
USAA$ 707
USAA$ 707
Vermont Mutual$ 891
Vermont Mutual$ 891

Compare all 2015 Subaru XV Crosstrek rates

Average Cost to Insure Per Year

$ 1155

List Price

$ 21595

Trims Available

Base - 2.0i Premium - 2.0i Limited - Hybrid - Hybrid Touring

2014 Subaru XV Crosstrek

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1009
Acuity$ 1009
Allstate$ 1064
Allstate$ 1064
American Family$ 945
American Family$ 945
Country$ 1055
Country$ 1055
Erie$ 637
Erie$ 637
GEICO$ 554
GEICO$ 554
Plymouth Rock Insurance$ 1030
Plymouth Rock Insurance$ 1030
Progressive$ 660
Progressive$ 660
State Farm$ 749
State Farm$ 749
Tennessee Farmers$ 898
Tennessee Farmers$ 898
USAA$ 682
USAA$ 682
Vermont Mutual$ 884
Vermont Mutual$ 884

Compare all 2014 Subaru XV Crosstrek rates

Average Cost to Insure Per Year

$ 1138

List Price

$ 21995

Trims Available

2.0i Premium - 2.0i Limited - Hybrid - Hybrid Touring

2013 Subaru XV Crosstrek

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 920
Acuity$ 920
Allstate$ 988
Allstate$ 988
American Family$ 872
American Family$ 872
Country$ 998
Country$ 998
Erie$ 591
Erie$ 591
GEICO$ 517
GEICO$ 517
Plymouth Rock Insurance$ 1013
Plymouth Rock Insurance$ 1013
Progressive$ 639
Progressive$ 639
State Farm$ 676
State Farm$ 676
Tennessee Farmers$ 870
Tennessee Farmers$ 870
USAA$ 644
USAA$ 644
Vermont Mutual$ 826
Vermont Mutual$ 826

Compare all 2013 Subaru XV Crosstrek rates

Average Cost to Insure Per Year

$ 1062

List Price

$ 21995

Trims Available

2.0i Premium - 2.0i Limited