Subaru Forester Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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 rates for a Subaru Forester are $1,226 a year for full coverage. Comprehensive insurance costs approximately $282, collision costs $424, and liability is $384. Liability-only coverage costs around $432 a year, with high-risk coverage costing $2,632 or more. Teenage drivers receive the highest rates at $4,532 a year or more.

Average premium for full coverage: $1,226

Rate estimates by individual coverage type:

Comprehensive $282
Collision $424
Liability $384

Rates are based on $500 deductible amounts, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all states and for different Forester trim levels.

Price Range by Coverage and Risk

For an average driver, prices range go from as low as $432 for just liability coverage to a much higher rate of $2,632 for a high-risk insurance policy.

Liability Only $432
Full Coverage $1,226
High Risk $2,632

Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. Rural locations tend to have a lower frequency of accident claims than densely populated cities.

The price range example below illustrates the effect of geographic area on auto insurance prices.

Rural Areas $920
Small Cities $1,287
Large Cities $1,655

These examples show why anyone shopping for car insurance should compare rates quotes using their specific location and risk profile, instead of 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.

Detailed Rate Analysis

The chart below shows estimated Subaru Forester insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $713
  • Raising to $1,000 deductibles will save $160 a year
  • The average rate for a 40-year-old driver who chooses $500 deductibles is $1,226
  • Using more expensive low deductibles will cost an extra $308 every year
  • At-risk drivers who are prone to accidents and violations could pay around $2,632 or more
  • The cost for full coverage for a teen driver with full coverage can cost $4,532

View Chart as Image

Subaru Forester insurance cost comparison chart
Column chart showing full coverage Subaru Forester insurance prices range from $713 to $4,532

Car insurance rates for a Subaru Forester can also vary considerably based on your driver profile, the trim level of your Forester, and physical damage deductibles and liability limits.

An older driver with no driving violations and high deductibles may pay as little as $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged in the ballpark of $4,500 a year. View Rates by Age

Where you live also has a big influence on Subaru Forester insurance prices. A middle-age driver might find rates as low as $810 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,750 on average in New York, Louisiana, and Michigan.

Subaru Forester Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,106 -$120 -9.8%
Alaska $940 -$286 -23.3%
Arizona $1,016 -$210 -17.1%
Arkansas $1,226 -$0 0.0%
California $1,396 $170 13.9%
Colorado $1,168 -$58 -4.7%
Connecticut $1,256 $30 2.4%
Delaware $1,384 $158 12.9%
Florida $1,530 $304 24.8%
Georgia $1,132 -$94 -7.7%
Hawaii $880 -$346 -28.2%
Idaho $830 -$396 -32.3%
Illinois $912 -$314 -25.6%
Indiana $924 -$302 -24.6%
Iowa $826 -$400 -32.6%
Kansas $1,162 -$64 -5.2%
Kentucky $1,672 $446 36.4%
Louisiana $1,812 $586 47.8%
Maine $756 -$470 -38.3%
Maryland $1,010 -$216 -17.6%
Massachusetts $976 -$250 -20.4%
Michigan $2,126 $900 73.4%
Minnesota $1,028 -$198 -16.2%
Mississippi $1,466 $240 19.6%
Missouri $1,086 -$140 -11.4%
Montana $1,314 $88 7.2%
Nebraska $964 -$262 -21.4%
Nevada $1,470 $244 19.9%
New Hampshire $882 -$344 -28.1%
New Jersey $1,368 $142 11.6%
New Mexico $1,084 -$142 -11.6%
New York $1,288 $62 5.1%
North Carolina $704 -$522 -42.6%
North Dakota $1,004 -$222 -18.1%
Ohio $842 -$384 -31.3%
Oklahoma $1,256 $30 2.4%
Oregon $1,122 -$104 -8.5%
Pennsylvania $1,166 -$60 -4.9%
Rhode Island $1,632 $406 33.1%
South Carolina $1,110 -$116 -9.5%
South Dakota $1,034 -$192 -15.7%
Tennessee $1,072 -$154 -12.6%
Texas $1,476 $250 20.4%
Utah $906 -$320 -26.1%
Vermont $836 -$390 -31.8%
Virginia $732 -$494 -40.3%
Washington $946 -$280 -22.8%
West Virginia $1,124 -$102 -8.3%
Wisconsin $846 -$380 -31.0%
Wyoming $1,090 -$136 -11.1%

View Chart as Image

Subaru Forester insurance rates by U.S. city

Using high physical damage deductibles can reduce rates by up to $470 every year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will cost as much as $345 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying anywhere from $1,400 to $2,000 extra per year, depending on your age. High-risk driver insurance is expensive and can cost as much as 44% to 128% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the only way to know who has the cheapest car insurance rates is to compare rates and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, so rate quotes can be significantly different from one company to the next.

Insurance Rates by Trim Level and Model Year

Subaru Forester Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Subaru Forester X AWD $1,154 $96
Subaru Forester X Premium AWD $1,190 $99
Subaru Forester X Premium AWP AWD $1,190 $99
Subaru Forester X Limited Edition AWD $1,226 $102
Subaru Forester X Limited Edition W/Navigation AWD $1,262 $105
Subaru Forester XT AWD $1,262 $105
Subaru Forester XT Limited Edition AWD $1,286 $107
Subaru Forester XT Limited Edition W/Navigation AWD $1,322 $110

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.

Subaru Forester Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2018 Subaru Forester $282 $424 $384 $1,226
2016 Subaru Forester $258 $358 $390 $1,142
2015 Subaru Forester $242 $330 $390 $1,098
2014 Subaru Forester $234 $310 $394 $1,074
2012 Subaru Forester $210 $268 $402 $1,016
2011 Subaru Forester $206 $244 $406 $992
2010 Subaru Forester $192 $222 $402 $952
2009 Subaru Forester $180 $202 $402 $920
2008 Subaru Forester $174 $182 $398 $890
2007 Subaru Forester $172 $178 $390 $876
2006 Subaru Forester $168 $168 $384 $856
2005 Subaru Forester $154 $160 $380 $830
2004 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 Find the Best Cheap Subaru Forester Insurance

Saving money on car insurance consists of having a good driving record, having above-average credit, eliminating unneeded coverage, and avoiding coverage lapses. Take the time to compare rates at least every other year by getting rate quotes from direct carriers like GEICO and Progressive, and also from local exclusive and independent agents.

The next list is a quick review of the car insurance concepts covered in the above illustrations.

  • Higher risk drivers with a DUI or reckless driving violation may pay on average $1,410 more per year to buy Subaru Forester insurance
  • Drivers can save around $150 per year simply by shopping early and online
  • Increasing deductibles can save around $475 each year
  • Policyholders who purchase increased levels of liability coverage will pay an extra $420 each year to raise from a minimum limit to 250/500 limits

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.

      Subaru Forester Crash Test Ratings
      Vehicle TestedOverallFrontalSideRollover
      2020 Subaru Forester SUV AWD5 stars5 stars5 stars4 stars
      2019 Subaru Forester SUV AWD5 stars5 stars5 stars4 stars
      2018 Subaru Forester SUV AWD5 stars4 stars5 stars4 stars
      2017 Subaru Forester SUV AWD5 stars4 stars5 stars4 stars
      2016 Subaru Forester SUV AWD5 stars4 stars5 stars4 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.

      Subaru Forester Insurance Loss Probability
      Insurance Coverage CategoryLoss Rate
      Collision-34%
      Property Damage-21%
      Comprehensive-15%
      Personal Injury-24%
      Medical Payment-23%
      Bodily Injury-31%

      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

      Rates by Driver Age

      Subaru Forester Insurance Rates by Driver Age
      Driver Age Premium
      16 $4,532
      20 $2,786
      30 $1,274
      40 $1,226
      50 $1,118
      60 $1,096

      Full coverage, $500 deductibles

      Rates by Deductible

      Subaru Forester Insurance Rates with Different Deductibles
      Deductible Premium
      $100 $1,534
      $250 $1,392
      $500 $1,226
      $1,000 $1,066

      Full coverage, driver age 40

      Rates by Liability Limit

      Subaru Forester Insurance Rates with Different Liability Limits
      Liability Limit Premium
      30/60 $1,226
      50/100 $1,399
      100/300 $1,495
      250/500 $1,744
      100 CSL $1,437
      300 CSL $1,648
      500 CSL $1,802

      Full coverage, driver age 40

      Rates for High Risk Drivers

      Subaru Forester Insurance Rates for High Risk Drivers
      Age Premium
      16 $6,464
      20 $4,432
      30 $2,686
      40 $2,632
      50 $2,506
      60 $2,482

      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.

      SR-22 Surcharge $167

      Potential Rate Discounts

      If you qualify for discounts, you may save the amounts shown below.

      Discount Savings
      Multi-policy $65
      Multi-vehicle $63
      Homeowner $19
      5-yr Accident Free $87
      5-yr Claim Free $79
      Paid in Full/EFT $54
      Advance Quote $59
      Online Quote $87
      Total Discounts $513
      Rate after discounts $713

      Discounts are estimated and may not be available from every company or in every state.

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