Subaru XV Crosstrek Insurance Rates and Comparisons for 2025

How much are XV Crosstrek car insurance rates? We analyze average rates from the base AWD model up to the more appointed Hybrid Touring AWD trim level to discover how prices measure up to all other compact SUVs.

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  • Subaru XV Crosstrek car insurance costs $1,380 per year (about $115 per month) for a full coverage policy.
  • With the cheapest insurance rates, the 2015 XV Crosstrek AWD model costs an average of $1,214 per year to insure.
  • At the high end, the XV Crosstrek Hybrid Touring AWD is the most expensive to insure at $1,590 for an annual policy.
  • Ranked seventh out of 28 vehicles in the 2015 small SUV segment, average car insurance rates for the Subaru XV Crosstrek cost $78 less per year than the segment average.

How much does Subaru XV Crosstrek insurance cost?

You will want to budget around $1,380 a year for a full coverage policy to insure a Subaru XV Crosstrek, which is the equivalent of $115 a month. If the average policy is broken down into individual coverages, collision insurance costs approximately $524 a year, comprehensive will cost an estimated $300, and the remaining liability/medical (or PIP) coverage costs approximately $556.

The following rate chart shows average 2015 Subaru XV Crosstrek car insurance rates using some common driver age and risk scenarios.

Average 2015 Subaru XV Crosstrek insurance premiums for different driver ages and risk scenarios.
Figure 1: Average 2015 Subaru XV Crosstrek insurance premiums for different driver ages and risk scenarios. Rates updated on June 27, 2025.

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Data Methodology: Average rates are for a 2015 model year Subaru XV Crosstrek with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Subaru XV Crosstrek trim levels.

2015 Subaru XV Crosstrek Insurance Cost Summary
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$3,172$264
Safe Driver Age 20$2,776$231
At-fault Accidents Age 40$1,966$164
Low Deductibles Age 40$1,742$145
Safe Driver Age 30$1,460$122
Safe Driver Age 40$1,380$115
Safe Driver Age 50$1,234$103
High Deductibles Age 40$1,192$99
Safe Driver Age 60$1,156$96
Discount Rate Age 40$1,146$96

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2015 Subaru XV Crosstrek trim levels. Updated June 27, 2025

The following table shows average insurance premiums on a Subaru XV Crosstrek for the 2013-2015 model years and for various driver ages.

Subaru XV Crosstrek Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2015 Subaru XV Crosstrek$2,776$1,380$1,156
2014 Subaru XV Crosstrek$2,898$1,438$1,206
2013 Subaru XV Crosstrek$2,656$1,320$1,110

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Subaru XV Crosstrek trim levels for each model year. Updated June 27, 2025

Average insurance rates for 2013 to 2015 Subaru XV Crosstrek models for drivers age 20, 40 and 60
Average insurance rates for 2013 to 2015 Subaru XV Crosstrek models for drivers age 20, 40 and 60

The rate table below displays average Subaru XV Crosstrek insurance rates for annual and semi-annual policies, including a monthly amount for budgeting, for each 2015 model year trim level.

2015 Subaru XV Crosstrek Insurance Rates by Trim Level
2015 Subaru XV Crosstrek Trim Level Annual Premium Cost Per Month
AWD$1,214$101
Premium AWD$1,282$107
Limited AWD$1,316$110
Hybrid AWD$1,498$125
Hybrid Touring AWD$1,590$133

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Updated June 27, 2025

Insurance cost by trim level for a 2015 Subaru XV Crosstrek ranging from the AWD model at $1,214 per year to the Hybrid Touring AWD model at $1,590
Insurance cost by trim level for a 2015 Subaru XV Crosstrek ranging from the AWD model at $1,214 per year to the Hybrid Touring AWD model at $1,590

Is insurance for a Subaru XV Crosstrek expensive?

The Subaru XV Crosstrek ranks seventh out of 28 total comparison vehicles in the 2015 small SUV class for insurance affordability. The XV Crosstrek costs an estimated $1,380 per year for full coverage car insurance and the category median price is $1,458 per year, a difference of $78 per year.

When compared directly to some other models in the small SUV category, car insurance rates for a Subaru XV Crosstrek cost $86 less per year than the Toyota RAV4, $92 more than the Honda CR-V, and $30 less than the Chevrolet Equinox.

The following table shows how average XV Crosstrek car insurance rates compare to all other small SUVs for the 2015 model year.

Insurance Cost Comparison: Subaru XV Crosstrek vs Small SUVs
Rank Make and Model Annual Premium Difference
1Mazda CX-5$1,232-$148
2Honda CR-V$1,288-$92
3Buick Encore$1,328-$52
4Nissan Juke$1,352-$28
5Jeep Compass$1,358-$22
6Jeep Renegade$1,372-$8
7Subaru XV Crosstrek$1,380--
8Mitsubishi Mirage$1,402$22
9Chevrolet Equinox$1,410$30
10Ford Escape$1,416$36
11Hyundai Tucson$1,420$40
12Nissan Rogue$1,432$52
13GMC Terrain$1,438$58
14Scion XB$1,444$64
15Kia Sportage$1,454$74
16Chevrolet Trax$1,462$82
17Toyota RAV4$1,466$86
18Subaru Forester$1,470$90
19Chevrolet Captiva Sport$1,476$96
20Kia Soul$1,478$98
21Volkswagen Tiguan$1,522$142
22Mini Cooper Countryman$1,540$160
23Mini Cooper$1,546$166
24Jeep Patriot$1,550$170
25Mitsubishi Outlander$1,558$178
26Mini Cooper Paceman$1,604$224
27Ford C-Max$1,608$228
28Hyundai Tucson FCV$1,812$432

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each vehicle from the 2015 model year. Updated June 27, 2025

At $1,380 per year, insurance cost for a 2015 Subaru XV Crosstrek ranks seventh out of 28 models in the small SUV segment
At $1,380 per year, insurance cost for a 2015 Subaru XV Crosstrek ranks seventh out of 28 models in the small SUV segment

Additional XV Crosstrek car insurance information

  • High-risk Subaru XV Crosstrek car insurance is expensive. For a 20-year-old driver, having too many driving record violations or accidents can cause a rate increase of $2,186 or more per year.
  • Driver gender affects car insurance rates. For a 2015 Subaru XV Crosstrek, a 20-year-old male driver receives an average rate of $2,776 per year, while a 20-year-old female pays $1,998, a difference of $778 per year. The females get the cheaper rate by far. But by age 50, the cost for men is $1,234 and rates for female drivers are $1,200, a difference of only $34.
  • Getting older pays dividends in cheaper insurance. The difference in insurance rates for a 2015 XV Crosstrek between a 60-year-old driver ($1,156 per year) and a 30-year-old driver ($1,460 per year) is $304, or a savings of 23.2%.
  • Plan on paying a lot to insure a teen driver. Average rates for full coverage XV Crosstrek insurance costs $5,052 per year for a 16-year-old driver, $4,850 per year for a 17-year-old driver, $4,259 per year for a 18-year-old driver, and $3,907 per year to insure a 19-year-old driver.
  • Raising physical damage deductibles lowers cost. Increasing your deductibles from $500 to $1,000 could save around $188 per year for a 40-year-old driver and $364 per year for a 20-year-old driver.
  • Low physical damage deductibles increases cost. Lowering deductibles from $500 to $250 could cost an additional $196 per year for a 40-year-old driver and $382 per year for a 20-year-old driver.
  • Research policy discounts to save money. Discounts may be available if the insureds sign their policy early, take a defensive driving course, drive a vehicle with safety or anti-theft features, drive low annual mileage, insure their home and car with the same company, or many other policy discounts which could save the average driver as much as $234 per year on the cost of insuring a Subaru XV Crosstrek.
  • Obey driving laws to keep insurance rates low. If you want cheap XV Crosstrek insurance rates, it pays to avoid traffic tickets. As a matter of fact, just a couple traffic tickets could result in raising rates by as much as $368 per year. Serious misdemeanor violations like driving under the influence could raise rates by an additional $1,282 or more.