Subaru XV Crosstrek Insurance
(And how to get the lowest premiums)
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Rachel Morey is a journalist specializing in making complicated personal finance and insurance subjects easy to understand. She has been writing professionally for nearly a decade and has projects in print, broadcasting, and online. A native Iowan, Rachel has a special fondness for the open roads of rural America.
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Bringing over 15 years of insurance experience, Greg is passionate about helping individuals and businesses understand their insurance options.
You can learn about average Subaru XV Crosstrek insurance rates in general, but to really understand how your age, driving record, location, and vehicle affects your car insurance, you'll need help from an independent insurance agent. Your agent can help you get multiple quotes so you'll get the best possible coverage at a great rate.
Not sure where to find an independent insurance agent in your area?
TrustedChoice.com has a find-an-agent tool that can match you with a local independent insurance agent who will walk you through your options and help you find the best possible coverage for your Subaru XV Crosstrek.
What Kind of Insurance Do You Need for Your Subaru XV Crosstrek?
Bodily injury liability
In an accident that you cause, you are liable for injuries sustained by other people. Bodily injury liability coverage protects you financially from the repercussions of an at-fault accident.
Property damage liability
Property damage liability insurance may be required by law in your state. It's smart to consider purchasing more than the minimum amount, though. You are legally required to pay for damages that go beyond the limits of your insurance, so talk with your agent about how to balance coverage and cost with property damage liability.
Medical payments/Personal injury protection
You'll choose between medical payments insurance and personal injury protection insurance, depending on where you live. In some states, you must carry one of these policies. If you are involved in an accident, this type of insurance may pay for the cost of physical recovery for you and your passengers.
Uninsured motorist coverage
While there are laws in nearly every state about minimum auto insurance amounts, many drivers choose to operate a vehicle without the required amount of insurance. If you are in an accident with someone who doesn't have enough insurance, you may have to foot the bill on your own.
Uninsured and underinsured motorist coverage offers a layer of protection between you and drivers who choose to go without insurance.
Optional Coverage:
Collision
Collision insurance coverage replaces or repairs your Subaru if you are in an accident involving another car or if you hit something. While collision coverage isn't right for every situation, your agent can help you understand if it fits into your best-case insurance package.
Comprehensive
If you hit an animal or your car is vandalized, comprehensive insurance coverage will help you pay for the damage. You'll pay the deductible, and the insurance company handles the rest, up to the value of the vehicle.
Glass coverage
A cracked or shattered windshield requires immediate attention, but the repair costs can reach into the hundreds of dollars. With a zero-deductible glass coverage policy, you can get your Subaru's windshield replaced right away without having to dig into your bank account to get it done.
Gap insurance
If you purchased a new Subaru XV Crosstrek but opted out of gap insurance at the dealership, you may want to add it to your auto insurance policy. Without it, you'll be responsible for paying the difference between the insurance company's settlement and the outstanding loan amount if your car is in an accident and is a total loss.
What Affects the Cost of Insurance for Your Subaru XV Crosstrek?
Annual mileage: Subaru drivers who put more than 10,000 to 15,000 miles per year on their SUV may experience slightly higher insurance premiums.
Your driving record: Drivers with a spotless record enjoy insurance premiums that are as much as 40% lower than drivers with previous driving problems.
The value of your vehicle: 2020 Subaru XV Crosstrek prices are average among CUVs and SUVs. High-value vehicles can cost more to insure because the are more expensive to replace or fix if they are in an accident.
Average Subaru XV Crosstrek Insurance Costs
The average 40-year-old Subaru XV Crosstrek driver pays an auto insurance premium of $1,320 annually. Liability-only auto insurance costs an average of just $316 per year. Younger drivers pay higher insurance premiums; a 16-year-old Subaru XV Crosstrek driver with an excellent driving record should expect an average annual insurance premium of $4,716. That rate jumps to $6,750 per year if a young driver has moving violations or an at-fault accident on their record.
There's so much that goes into calculating your Subaru insurance premiums that you'll need personalized quotes from your agent to understand your options.
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The Safety of Your Subaru XV Crosstrek
The National Highway Traffic Safety Administration (NHTSA) gave the 2020 Subaru XV Crosstrek with all-wheel drive a five-star safety rating. Advanced safety features available on newer Subarus may help reduce your auto insurance premiums. All Crosstreks with automatic transmissions have these safety features:
- Automatic emergency braking
- Active lane control
- Lane departure warnings
How Location Affects Your Subaru XV Crosstrek Insurance
Your address has a huge effect on your car insurance premiums. If you live in a large city, expect to pay more for insurance than Subaru drivers who live in rural areas of the country. Your agent can help you choose an insurance company that's right for you, your car, and your geographical location.
Here's how average Subaru XV Crosstrek rates for a 40-year-old driver vary from one place to the next:
| Los Angeles, CA: | Chicago, IL: | Columbus, OH: |
| $2,253 | $1,768 | $1,099 |
Additional Factors that Affect Your Subaru XV Crosstrek Insurance Premiums
- Safety features like anti-theft devices
- Age
- Gender
- Deductible
- Credit
Average Cost to Insure a Subaru XV Crosstrek
| Average annual cost to insure a Subaru XV Crosstrek with full coverage: | $1,332 |
| Teens: | $4,736 |
| High-risk drivers: | $2,848 |
| High deductibles: | $1,132 |
| Low deductibles: | $1,716 |
| Top three most expensive states for Subaru XV Crosstrek insurance: | |
| Louisiana, New York, and Michigan | $1,880 a year |
| Top three most affordable states for Subaru XV Crosstrek insurance: | |
| Vermont, New Hampshire, and Missouri | $1,010 a year |
Top Independent Insurance Carriers That Insure the Subaru XV Crosstrek
According to a recent US Independent Insurance Agent Satisfaction Study by JD Power, the following companies provide excellent service to their insurance customers:
- Progressive
- Safeco
- Travelers
- Auto-Owners Insurance
Get a Subaru XV Crosstrek Quote
With help from an independent insurance agent, you can get the Subaru XV insurance you need at a great price. Get in touch with an agent in your town using the TrustedChoice.com find-an-agent tool. Reach out to an agent today to get multiple quotes from the best insurance companies.
IIHS, Consumer Reports, Quote Inspector, iii.org, JD Power, Car and Driver