Subaru Forester Insurance Rates
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UPDATED: Nov 27, 2019
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The average Subaru Forester insurance rates are $122.17 per month and $1,346 annually. However, many factors impact what it will cost to insure a Subaru Forester.
For example, the 2017 Subaru Forester insurance costs will be lower than the 2019 Subaru Forester insurance costs because rates decrease as your model ages. Read through our comprehensive guide to secure the best cheap car insurance from a Subaru Forester insurance group.
Ready to decrease how much a Subaru Forester costs you for insurance? Enter your ZIP code into our FREE tool to compare the Subaru Foresters’ insurance rates.
Average insurance prices for a Subaru Forester are $1,262 every 12 months for full coverage. Comprehensive insurance costs an estimated $292 each year, collision insurance costs $458, and liability coverage costs around $376. Liability-only coverage costs as low as $426 a year, and high-risk coverage costs $2,712 or more. Teenage drivers receive the highest rates at up to $4,644 a year.
Average premium for full coverage: $1,262
Rate estimates broken down by individual coverage type:
Rate estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and Forester models.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range range from the cheapest price of $426 for your basic liability-only policy to a high rate of $2,712 for a policy for a high-risk driver.
Price Range by Location
Where you live has a large influence on insurance rates. More rural locations tend to have more infrequent accident claims than densely populated cities. The graphic below illustrates how your location can change insurance prices.
These examples show why all drivers should compare prices for a targeted area and their own driving history, rather than using average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Information
The chart below shows average Subaru Forester insurance rates for other coverage scenarios.
- The best discount rate is $730
- Using higher $1,000 deductibles will save approximately $172 a year
- The average price for a 40-year-old driver who has $500 deductibles is $1,262
- Using low deductibles for physical damage coverage costs an extra $328 each year
- Higher-risk drivers who are prone to accidents and violations could pay up to $2,712
- The cost to insure a teenage driver can cost as much as $4,644 or more
Car insurance rates for a Subaru Forester can also vary considerably based on policy deductibles and limits, your driver profile, and the model year and trim level.
Using high physical damage deductibles could cut rates by as much as $500 a year, whereas increasing liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $339 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles may only pay around $1,200 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged at least $4,600 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying $1,500 to $2,000 extra per year, depending on your age. Insurance for high-risk drivers can be around 43% to 133% more than a normal policy. View High Risk Driver Rates
Where you live has a huge impact on Subaru Forester insurance rates. A driver around age 40 might see rates as low as $830 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,800 on average in New York, Louisiana, and Michigan.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Insurance Rates by Trim Level and Model Year
|Model and Trim||Annual Premium||Monthly Premium|
|Subaru Forester X AWD||$1,186||$99|
|Subaru Forester X Premium AWD||$1,224||$102|
|Subaru Forester X Premium AWP AWD||$1,224||$102|
|Subaru Forester X Limited Edition AWD||$1,262||$105|
|Subaru Forester X Limited Edition W/Navigation AWD||$1,300||$108|
|Subaru Forester XT AWD||$1,300||$108|
|Subaru Forester XT Limited Edition AWD||$1,328||$111|
|Subaru Forester XT Limited Edition W/Navigation AWD||$1,364||$114|
Rates assume 2018 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2018 Subaru Forester||$292||$458||$376||$1,262|
|2016 Subaru Forester||$270||$400||$388||$1,194|
|2015 Subaru Forester||$258||$358||$390||$1,142|
|2014 Subaru Forester||$242||$330||$390||$1,098|
|2012 Subaru Forester||$228||$288||$402||$1,054|
|2011 Subaru Forester||$210||$268||$402||$1,016|
|2010 Subaru Forester||$206||$244||$406||$992|
|2009 Subaru Forester||$192||$222||$402||$952|
|2008 Subaru Forester||$180||$202||$402||$920|
|2007 Subaru Forester||$174||$182||$398||$890|
|2006 Subaru Forester||$172||$178||$390||$876|
|2005 Subaru Forester||$168||$168||$384||$856|
|2004 Subaru Forester||$154||$160||$380||$830|
|2003 Subaru Forester||$150||$152||$376||$814|
Rates are averaged for all Subaru Forester models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for the Best Subaru Forester Insurance
Saving money on auto insurance requires being a low-risk driver, maintaining a good credit score, eliminating unneeded coverage, and possibly higher deductibles. Invest the time to shop around every year by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The items below are a brief recap of the coverage data illustrated above.
- Drivers can save approximately $150 per year just by quoting online in advance
- Increasing deductibles could save as much as $500 each year
- Teen drivers have the highest car insurance rates, costing as high as $387 per month if the policy includes full coverage
- Drivers who tend to receive serious violations pay on average $1,450 more annually to insure their Forester
As you can see from the information above, the best car insurance for a Subaru Forester changes depending on many factors. For example, like whether your Subaru Forester is old or new.
How much should you pay for a Subaru Forester? To rephrase the question, how much does a Subaru Forester cost? The Subaru Forester cost to own starts at $25,000. But that means the 2018 Subaru Forester cost to own will be less. Remember to also account for the annual maintenance cost of a Subaru Forester when you are budgeting.
You will get a lower rate if you buy a used Subaru Forester. To lower how much it costs to insure a Subaru Forester on average, enter your ZIP code into our FREE quote comparison tool.
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Now let’s look at some factors that play into Subaru cost of ownership and affordable Subaru Forester auto insurance rates. These may include insurance rates by car safety rating or vehicle class.
What are the safety ratings for a Subaru Forester?
We’ve answered your questions about what is the cost of a Subaru Forester for car insurance, now let’s look at safety features.
In hopes of answering the question of is it worth buying a Subaru Forester, we’ve unpacked different Subaru Forester comparison charts. Now let’s look at safety ratings.
A Subaru Forester is not viewed as a high-risk car. In fact, the Subaru Forester’s history proves it’s a reliable and sturdy car model.
Understanding the Subaru Forester safety ratings will help you discover what discounts you qualify for or what may cost you more for insurance.
Take a look a the Subaru Forester’s safety ratings below:
- Small overlap front (driver-side): Good
- Small overlap front (passenger side): Good
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
Great news for Subaru Forester drivers, the Insurance Institute for Highway Safety deemed the 2020 Subaru Forestor as a top safety pick. Good is the highest possible rating.
With scores like that, you don’t have to worry if it is more expensive to insure a Subaru Forester than other vehicles. You’ll definitely see some lower premiums with safety ratings as perfect as these.
However, keep in mind that there are different Subaru Forester trims available do impact the safety ratings.
In the table below, check out the Subaru Forester crash test ratings as performed by the National Highway Traffic Safety Administration.
|2020 Subaru Forester SUV AWD||5 stars||5 stars||5 stars||4 stars|
|2019 Subaru Forester SUV AWD||5 stars||5 stars||5 stars||4 stars|
|2018 Subaru Forester SUV AWD||5 stars||4 stars||5 stars||4 stars|
|2017 Subaru Forester SUV AWD||5 stars||4 stars||5 stars||4 stars|
|2016 Subaru Forester SUV AWD||5 stars||4 stars||5 stars||4 stars|
A 5-star rating is the highest possible score given by the National Highway Traffic Safety Administration. Overall, the Subaru Forester performed very well.
Subaru Forester Compared to Other Vehicles in the Same Class
Officially, the Insurance Institute for Highway Safety labels the Subaru Forestor as a small SUV. How much does a Forester cost compared to other similar vehicles?
Check out a few examples below:
Comparing the Subaru Forester to other similar vehicles can help you save money on insurance, especially if your model has a better loss ratio than other small SUVs.
See the Subaru Forester insurance loss probability details in the table below.
|Insurance Coverage Category||Loss Rate|
The lower the percentage, the better the insurance loss ratio. The collision loss ratio for the Subaru Forester is -34 percent. Property damage liability is -21 percent. Personal injury liability is -24 percent. The medical payment loss ratio is -23 percent. Finally, bodily injury liability is -31 percent.
Good news. The Subaru Forester has better than average loss ratios in every category except comprehensive coverage, which is average. That’s pretty impressive. Expect to reap the rewards via your Subaru Forester cost for insurance.
The only negative? The Subaru Forester maintenance cost is actually quite high. While Subarus are not expensive to insure, the overall cost to own a Subaru Forester is above average.
You’re now an expert on how much you should pay for a Subaru Forester’s insurance. Before you buy Subaru Forester car insurance, check for cheap car insurance rates near you.
Ready to find out exactly how much is a Subaru Forester to insure in your area? Start immediately comparing cheap Subaru Forester insurance quotes by entering your ZIP code into our FREE tool.
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$91|
|5-yr Claim Free||$81|
|Paid in Full/EFT||$57|
Discounts are estimated and may not be available from every company or in every state.