Cheap Subaru XV Crosstrek Car Insurance in 2025 (Cash Savings With These 10 Companies)
The best providers for cheap Subaru XV Crosstrek car insurance are State Farm, Progressive, and AAA, with monthly rates starting at $62. These providers stand out for their competitive pricing, and extensive coverage, making them ideal for Subaru XV Crosstrek owners seeking affordable and reliable insurance.
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Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Michael Leotta
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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Updated January 2025
18,155 reviewsCompany Facts
Min. Coverage for Subaru XV Crosstrek
A.M. Best Rating
Complaint Level
Pros & Cons
18,155 reviews
13,283 reviewsCompany Facts
Min. Coverage for Subaru XV Crosstrek
A.M. Best Rating
Complaint Level
Pros & Cons
13,283 reviewsCompany Facts
Min. Coverage for Subaru XV Crosstrek
A.M. Best Rating
Complaint Level
Our Top 10 Company Picks: Cheap Subaru XV Crosstrek Car Insurance
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $62 | B | Customer Service | State Farm |
 | #2 | $67 | A+ | Qualifying Coverage | Progressive |
 | #3 | $70 | A | Roadside Assistance | AAA |
 | #4 | $74 | A | Signal App | Farmers |
 | #5 | $79 | A+ | Accident Forgiveness | Nationwide |
 | #6 | $82 | A++ | Bundling Policies | Travelers |
 | #7 | $88 | A | Costco Members | American Family |
 | #8 | $93 | A+ | Infrequent Drivers | Allstate |
 | #9 | $98 | A | Occupational Discount | Liberty Mutual |
 | #10 | $103 | A+ | Customer Service | Erie |
By understanding these elements and exploring various insurers, you can find the best rates and comprehensive protection for your Subaru XV Crosstrek. Obtain a more nuanced perspective with our “Fleet Vehicle Insurance.” Enter your ZIP code above to compare quotes instantly and find the cheapest insurance available.
- Compare quotes for cheap Subaru XV Crosstrek car insurance
- State Farm is the top pick with rates from $62 monthly
- Consider driving history and coverage options to save on insurance
#1 – State Farm: Top Overall Pick
Pros
Pros- Affordable Monthly Rates: Starting at $62, State Farm offers some of the most budget-friendly rates for Subaru XV Crosstrek owners, making it an attractive option for cost-conscious drivers. This affordability can help reduce overall insurance expenses. Elevate your knowledge with our “State Farm Insurance Review & Ratings.”
- Variety of Discounts: Subaru XV Crosstrek drivers can take advantage of various discounts, including safe driver and multi-policy options, to reduce their insurance premiums. These discounts can significantly lower the cost of coverage.
- User-Friendly Mobile App: State Farm’s mobile app simplifies policy management and claims filing for Subaru XV Crosstrek enthusiasts, enhancing convenience. It allows easy access to important information and services on-the-go.
Cons
- Limited Accident Forgiveness: State Farm’s accident forgiveness program may not be as comprehensive as those offered by other insurers, potentially affecting Subaru XV Crosstrek drivers with a history of accidents. This could lead to higher premiums after a claim.
- Fewer Specialized Coverage Options: Subaru XV Crosstrek owners may find fewer niche coverage options compared to other insurers that provide more tailored policies. This could limit the ability to address specific insurance needs.
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#2 – Progressive: Best for Qualifying Coverage
Pros
Pros- Comprehensive Coverage Options: Progressive offers a broad range of coverage options suitable for Subaru XV Crosstrek drivers, ensuring all insurance needs are met. This helps in customizing policies to fit unique driving habits and requirements.
- Competitive Monthly Rates: With monthly rates starting at $67, Progressive provides affordable insurance for Subaru XV Crosstrek enthusiasts looking for value. This affordability makes it an attractive choice for budget-conscious drivers. Access supplementary details in our “Progressive Insurance Review & Ratings.”
- Strong Financial Stability: Progressive’s A+ rating from A.M. Best indicates robust financial backing, which is reassuring for Subaru XV Crosstrek drivers seeking reliable coverage. This stability ensures the insurer can handle claims and financial obligations effectively.
Cons
- Higher Rates for Younger Drivers: Rates can be higher for younger Subaru XV Crosstrek drivers, potentially making it less ideal for younger policy holders. This demographic often faces higher insurance costs due to perceived risk.
- Complex Policy Terms: The variety of coverage options may make it challenging for Subaru XV Crosstrek owners to fully understand their policy details. This complexity can result in confusion and potential gaps in coverage.
#3 – AAA: Best for Roadside Assistance
Pros
Pros- Robust Roadside Assistance: AAA provides extensive roadside assistance, which is particularly beneficial for Subaru XV Crosstrek drivers who value reliable support in emergencies. This service can offer peace of mind during unexpected situations.
- Competitive Monthly Rates: Starting at $70, AAA offers good rates for Subaru XV Crosstrek enthusiasts, providing value along with roadside coverage. The combination of affordable pricing and added benefits enhances overall value.
- Additional Member Benefits: AAA members enjoy various discounts and perks, making it a great choice for Subaru XV Crosstrek policy holders who want added value. These benefits extend beyond just insurance coverage. Enhance your comprehension with our “AAA Insurance Review & Ratings.”
Cons
- Membership Requirement: Access to the best rates and benefits requires AAA membership, which may not be ideal for all Subaru XV Crosstrek drivers. Non-members might miss out on some of the advantages and discounts.
- Limited Non-Roadside Discounts: Fewer discounts are available outside of roadside assistance benefits, which might not meet the needs of all Subaru XV Crosstrek enthusiasts. This limitation could reduce overall savings opportunities.
#4 – Farmers: Best for Signal App
Pros
Pros- Innovative Signal App: Farmers’ Signal app can lower premiums based on driving habits, providing savings for Subaru XV Crosstrek drivers who demonstrate safe driving. This technology encourages responsible driving and rewards good habits.
- Competitive Monthly Rates: With rates starting at $74, Farmers offers an affordable option for Subaru XV Crosstrek insurance. This pricing helps drivers maintain budget-friendly coverage.
- Good Coverage Options: Farmers provides a range of coverage options suitable for Subaru XV Crosstrek owners, ensuring comprehensive protection for various driving scenarios. This flexibility caters to different insurance needs.
Cons
- Higher Premiums for High-Risk Drivers: Premiums may be higher for Subaru XV Crosstrek drivers with a history of accidents or violations. High-risk drivers might face elevated costs compared to lower-risk policy holders. Obtain further insights from our “Farmers Insurance Review & Ratings.”
- Complex App Usage: Some Subaru XV Crosstrek policy holders might find the Signal app challenging to use effectively. This complexity can lead to difficulties in maximizing potential savings.
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#5 – Nationwide: Best for Accident Forgiveness
Pros
Pros- Accident Forgiveness: Nationwide’s accident forgiveness program helps maintain lower rates after an incident, which is beneficial for Subaru XV Crosstrek drivers who want to avoid rate hikes. This feature provides financial protection and stability after an accident.
- Competitive Rates: Monthly rates starting at $79 are reasonable for Subaru XV Crosstrek insurance, providing good value. The competitive pricing helps drivers keep their insurance costs manageable.
- Wide Range of Discounts: Includes multiple discounts, such as multi-policy and good student discounts, which can benefit Subaru XV Crosstrek policy holders. These discounts help reduce overall insurance expenses.
Cons
- Limited Coverage Customization: Subaru XV Crosstrek owners may find fewer options for customizing their coverage compared to other insurers. This limitation might restrict the ability to tailor policies to specific needs.
- Average Customer Service: Customer service may not stand out as much as other top competitors, which could be a consideration for Subaru XV Crosstrek enthusiasts. Average service levels might affect overall satisfaction. Discover what lies beyond with our “Nationwide Insurance Review & Ratings.”
#6 – Travelers: Best for Bundling Policies
Pros
Pros- Bundling Policies: Travelers offers significant savings when bundling car insurance with other policies, such as home insurance, which can benefit Subaru XV Crosstrek drivers. Bundling can lead to considerable overall savings.
- Competitive Rates: Starting at $82, Travelers provides attractive rates for Subaru XV Crosstrek policy holders seeking savings. The competitive pricing helps manage insurance costs effectively.
- Comprehensive Coverage Options: A variety of coverage options are available, making it easy for Subaru XV Crosstrek enthusiasts to tailor their policy. This flexibility allows for a customized insurance plan. Gain a deeper understanding through our “Travelers Insurance Review & Ratings.”
Cons
- Potentially Higher Rates for Younger Drivers: Rates may be less competitive for younger Subaru XV Crosstrek drivers. Younger drivers often face higher premiums due to higher perceived risk.
- Complex Policy Options: The range of coverage options may be overwhelming for some Subaru XV Crosstrek owners. This complexity can make it difficult to select the best coverage plan.
#7 – American Family: Best for Costco Members
Pros
Pros- Discounts for Costco Members: American Family offers special discounts for Costco members, which can significantly lower rates for Subaru XV Crosstrek drivers. Membership discounts enhance overall insurance affordability. Unlock additional information in our “American Family Insurance Review & Ratings.”
- Competitive Monthly Rates: Starting at $88, American Family provides good rates for comprehensive Subaru XV Crosstrek insurance. The pricing offers a balance of coverage and cost.
- Strong Coverage Options: Offers a range of coverage types that cater to Subaru XV Crosstrek policy holders’ needs. This ensures adequate protection for various driving scenarios.
Cons
- Higher Rates for Non-Members: Those not affiliated with Costco may face higher premiums compared to members. This could result in increased costs for non-members.
- Limited Specialized Discounts: Fewer specialized discounts available compared to some competitors, which might not appeal to all Subaru XV Crosstrek owners. Limited discount options could reduce potential savings.
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#8 – Allstate: Best for Infrequent Drivers
Pros
Pros- Ideal for Infrequent Drivers: Allstate provides favorable rates for Subaru XV Crosstrek drivers who do not drive frequently, offering savings for infrequent use. This benefits those who use their vehicle less often.
- Competitive Monthly Rates: Starting at $93, Allstate offers competitive pricing for Subaru XV Crosstrek insurance. The rates help keep insurance costs manageable.
- Multiple Discount Opportunities: Various discounts are available, such as safe driving and multi-car options, benefiting Subaru XV Crosstrek policy holders. These discounts help reduce overall premiums. Find out more by reading our “Allstate Insurance Review & Ratings.”
Cons
- Higher Rates for High-Risk Drivers: Rates may be higher for Subaru XV Crosstrek drivers with a history of claims or traffic violations. This can lead to increased premiums for those deemed high-risk.
- Limited Coverage Customization: Fewer options for customizing policies compared to some competitors may not meet all needs of Subaru XV Crosstrek owners. This could limit the ability to tailor insurance plans.
#9 – Liberty Mutual: Best for Occupational Discount
Pros
Pros- Competitive Monthly Rates: Starting at $98, Liberty Mutual provides competitive rates for Subaru XV Crosstrek insurance. This pricing helps maintain affordability while offering comprehensive coverage.
- Comprehensive Coverage Options: Includes a wide range of coverage options suitable for various needs of Subaru XV Crosstrek policy holders. This flexibility ensures adequate protection.
- Good Financial Stability: With an A rating from A.M. Best, Liberty Mutual ensures financial reliability for Subaru XV Crosstrek enthusiasts. This stability supports the insurer’s ability to manage claims and provide dependable coverage. Get the full story by checking out our “Liberty Mutual Review & Ratings.”
Cons
- Higher Premiums for Some Groups: Premiums may be higher for certain demographics or risk profiles among Subaru XV Crosstrek drivers. This can result in increased costs for some policy holders.
- Complex Discount Application: Understanding and applying for all available discounts can be challenging for Subaru XV Crosstrek policy holders. This complexity might affect the ability to maximize savings.
#10 – Erie: Best for Customer Service
Pros
Pros- Competitive Monthly Rates: Starting at $103, Erie offers competitive rates for Subaru XV Crosstrek insurance while maintaining high service standards. This balance of cost and quality is appealing to many drivers.
- Wide Range of Coverage: Provides a comprehensive selection of coverage options suitable for various needs of Subaru XV Crosstrek policy holders. This ensures adequate protection for diverse driving situations.
- Strong Financial Ratings: With an A+ rating from A.M. Best, Erie ensures financial reliability for Subaru XV Crosstrek enthusiasts. This rating reflects the company’s ability to handle claims and maintain stability.
Cons
- Higher Base Rates: Monthly rates may be higher compared to some other insurers, which could be a consideration for cost-conscious Subaru XV Crosstrek drivers. Higher base rates might impact overall affordability. Access the complete picture in our “Erie Insurance Review & Ratings.”
- Limited Discount Availability: Fewer discount options compared to some competitors may not be as beneficial for Subaru XV Crosstrek policy holders looking for savings. Limited discounts could reduce potential savings opportunities.
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Factors That Impact Subaru XV Crosstrek Car Insurance Rates
There are several factors that insurance companies take into account when calculating the premiums for a Subaru XV Crosstrek. These factors include the vehicle’s make and model, the year of manufacture, the driver’s age, driving record, location, and the coverage options chosen.
High-performance vehicles tend to have higher insurance rates due to a higher risk of accidents, while newer vehicles may have higher premiums as well due to higher replacement costs.
Subaru XV Crosstrek Car Insurance Monthly Rates by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| AAA | $70 | $158 |
| Allstate | $93 | $180 |
| American Family | $88 | $175 |
| Erie | $103 | $190 |
| Farmers | $74 | $160 |
| Liberty Mutual | $98 | $185 |
| Nationwide | $79 | $165 |
| Progressive | $67 | $152 |
| State Farm | $62 | $145 |
| Travelers | $82 | $170 |
Another influential factor is the driver’s age. Younger drivers often face higher insurance rates due to their lack of driving experience and a statistically higher likelihood of being involved in accidents.
Additionally, the driver’s location is considered, as areas with higher rates of accidents or vehicle theft may have higher insurance premiums. Safe neighborhoods and levels of vehicle crime play a role in determining the cost of insurance. Explore further details in our “Subaru Car Insurance Discount.” Ready to find cheaper car insurance coverage? Enter your ZIP code below to begin.
Maintenance and Safety Features of Your Subaru XV Crosstrek Insurance
Maintaining your Subaru XV Crosstrek is essential not just for vehicle longevity, but also for keeping your insurance premiums in check. Regular maintenance ensures that all components of your vehicle are functioning correctly, which helps prevent mechanical failures that could lead to accidents or breakdowns.
A well-maintained vehicle is less likely to experience issues that could result in costly repairs or insurance claims, making it more attractive to insurers.Beyond routine maintenance, investing in advanced safety features can have a significant impact on your insurance costs.
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Features such as anti-lock braking systems (ABS), traction control, airbags, and electronic stability control (ESC) enhance the safety of your vehicle by reducing the likelihood of accidents and mitigating the severity of any collisions that do occur. Insurance providers often offer discounts for vehicles equipped with these safety technologies, recognizing that they contribute to a lower risk profile.
By prioritizing both maintenance and safety, you can lower your Subaru XV Crosstrek insurance premiums while ensuring a safer driving experience. Explore further in our article titled “Safety Insurance Car Insurance Discounts.“
Comparing Insurance Costs: Subaru XV Crosstrek vs. Similar Vehicles
When evaluating the insurance costs for a Subaru XV Crosstrek, comparing these rates with those of similar vehicles can provide valuable context. This comparison helps determine how the XV Crosstrek’s insurance premiums measure up against its competitors. Insurance rates are influenced by various factors, including the make and model of the vehicle, as well as the associated risk levels.
In general, the Subaru XV Crosstrek tends to have competitive insurance rates within its class, largely due to its reputation for safety and reliability. These attributes often result in lower premiums compared to other vehicles.
Nonetheless, individual insurance costs can vary significantly based on personal factors such as driving history, location, and the specific algorithms and claims history of different insurance providers.
While the XV Crosstrek is generally more affordable to insure compared to some of its competitors, it’s crucial to consider your individual circumstances when evaluating insurance costs. This includes comparing rates not only for liability insurance but also for collision insurance and collision coverage.
Shopping around for the best rates can help you secure comprehensive protection at a more competitive price, tailored to your specific needs and driving habits. Delve into the specifics in our article called “Insurance Quotes Online.” By entering your ZIP code below, you can get instant car insurance quotes from top providers.
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Finding Affordable Car Insurance for Your Subaru XV Crosstrek
Finding affordable car insurance for your Subaru XV Crosstrek requires a bit of effort and research. The initial step is to compare quotes from various insurance providers. This can be done by requesting quotes online or contacting insurance companies directly. Gathering multiple quotes will give you a clearer picture of the range of rates available and help you identify competitive offers.
Ty Stewart Licensed Insurance Agent
Additionally, enlisting the help of an insurance agent or broker who specializes in car insurance can be highly advantageous. These professionals are well-versed in navigating the often complex world of insurance and can assist in finding the most cost-effective coverage options for your Subaru XV Crosstrek.
They can also provide valuable insights into available discounts and special offers that you might not discover on your own, ensuring you secure the best possible rates. By combining these strategies, you can find a balance between affordability and comprehensive coverage for your vehicle. Explore further with our article entitled “Can I bundle my Auto-Owners Insurance car insurance with other policies?“
Tips to Save Money on Subaru XV Crosstrek Car Insurance
Insurance costs for a Subaru XV Crosstrek can vary widely, influenced by factors like your driving history, location, and the coverage options you choose. However, there are several proactive steps you can take to potentially save money on your premiums. 
Understanding and leveraging these strategies can help you find affordable insurance without compromising on coverage. By being proactive and making informed decisions, you can effectively manage and reduce your insurance costs. By following these steps, you can make a significant impact on your Subaru XV Crosstrek insurance costs, ensuring you get the best possible coverage at an affordable price.
- Maintain a Clean Driving Record: Avoid traffic violations and practice safe driving habits to benefit from lower insurance rates.
- Complete Defensive Driving Courses: Check if your insurance provider offers discounts for completing these courses, as they can help reduce your premiums.
- Bundle Policies: Combine your Subaru XV Crosstrek insurance with other policies, like home or renters insurance, to take advantage of multi-policy discounts.
- Install Safety Features: Equip your vehicle with safety features such as an alarm system or dashcam. These can reduce the risk of theft and provide evidence in case of an accident, potentially lowering your insurance rates.
Staying informed and taking advantage of available discounts and safety measures can lead to substantial savings over time. With careful planning and attention to detail, you can enjoy peace of mind on the road without breaking the bank. Dive deeper into our “is it cheaper to insure a subaru outback or forester?” for a comprehensive understanding.
Frequently Asked Questions
What factors affect the cost of cheap Subaru XV Crosstrek car insurance?
The cost of cheap Subaru XV Crosstrek car insurance is influenced by factors such as the driver’s age, location, driving history, coverage limits, deductible amount, and the insurance company’s pricing policies. Discover more by delving into our article entitled “Is it cheaper to insure a Honda CRV or Subaru Forester?”
Can the Subaru XV Crosstrek’s safety features lower insurance premiums?
Yes, the Subaru XV Crosstrek is equipped with several safety features that can potentially lower insurance premiums, including Subaru’s EyeSight Driver Assist Technology, adaptive cruise control, lane departure warning, pre-collision braking, and blind-spot detection. These features contribute to cheap Subaru XV Crosstrek car insurance. See if you’re getting the best deal on car insurance by entering your ZIP code below.
Does the cost of cheap Subaru XV Crosstrek car insurance vary by location?
Yes, the cost of cheap Subaru XV Crosstrek car insurance can vary depending on the location. Insurance companies consider factors such as the crime rate, population density, and frequency of accidents in a particular area when determining premiums.
Can I get discounts on cheap Subaru XV Crosstrek car insurance?
Yes, it is possible to obtain discounts on cheap Subaru XV Crosstrek car insurance. Insurance companies often offer discounts for factors such as having multiple policies with the same insurer, being a safe driver, having anti-theft devices installed in the vehicle, or completing a defensive driving course. Explore further with our article entitled “Subaru Car Insurance Discount.”
How much is cheap insurance for a Subaru XV Crosstrek?
Cheap insurance for a Subaru XV Crosstrek starts at approximately $62 per month with providers like State Farm, Progressive, and AAA.
What type of car insurance is cheapest for a Subaru XV Crosstrek?
Liability coverage is typically the cheapest type of car insurance for a Subaru XV Crosstrek, as it covers only damage to other vehicles and medical expenses, not your own car.
Which car insurance is best for Subaru XV Crosstrek owners seeking cheap rates?
The best car insurance for Subaru XV Crosstrek owners seeking cheap rates depends on individual needs, but State Farm is a top pick due to its competitive rates and broad coverage. Discover more by delving into our article entitled “What car insurance discounts does Erie Insurance Exchange offer?”
What is the cheapest cover for Subaru XV Crosstrek insurance?
Liability insurance is generally the cheapest cover option for Subaru XV Crosstrek insurance, offering the minimum required protection for others but not covering your own vehicle.
Which brand of car has the cheapest insurance similar to Subaru XV Crosstrek?
Insurance rates vary by provider and location, but brands like Subaru, with models like the XV Crosstrek, often have competitive rates due to their safety features, resulting in cheap insurance options.
Which car insurance cover is best for obtaining cheap Subaru XV Crosstrek insurance?
Comprehensive and collision coverage are best for extensive protection, but for cheap Subaru XV Crosstrek insurance, liability coverage may be sufficient while still meeting legal requirements. Get a better grasp by reading our article titled “Can I change my Allstate car insurance coverage at any time?”
Who typically has the cheapest insurance for a Subaru XV Crosstrek?
What is the lowest form of car insurance for a Subaru XV Crosstrek?
What is the cheapest level of car insurance for a Subaru XV Crosstrek?
Is maintaining a Subaru XV Crosstrek expensive and does it affect insurance costs?
Can Subaru XV Crosstrek safety features help reduce insurance costs?
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