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 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:

Comprehensive $292
Collision $458
Liability $376

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.

Liability Only $426
Full Coverage $1,262
High Risk $2,712

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.

Rural Areas $947
Small Cities $1,325
Large Cities $1,704

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

View Chart as Image

Subaru Forester insurance cost comparison chart
Column chart showing Subaru Forester insurance prices range from $730 to $4,644 for full coverage

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.

Subaru Forester Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,140 -$122 -9.7%
Alaska $966 -$296 -23.5%
Arizona $1,046 -$216 -17.1%
Arkansas $1,262 -$0 0.0%
California $1,438 $176 13.9%
Colorado $1,204 -$58 -4.6%
Connecticut $1,294 $32 2.5%
Delaware $1,426 $164 13.0%
Florida $1,576 $314 24.9%
Georgia $1,166 -$96 -7.6%
Hawaii $906 -$356 -28.2%
Idaho $854 -$408 -32.3%
Illinois $938 -$324 -25.7%
Indiana $950 -$312 -24.7%
Iowa $850 -$412 -32.6%
Kansas $1,198 -$64 -5.1%
Kentucky $1,718 $456 36.1%
Louisiana $1,866 $604 47.9%
Maine $778 -$484 -38.4%
Maryland $1,042 -$220 -17.4%
Massachusetts $1,006 -$256 -20.3%
Michigan $2,190 $928 73.5%
Minnesota $1,054 -$208 -16.5%
Mississippi $1,510 $248 19.7%
Missouri $1,120 -$142 -11.3%
Montana $1,354 $92 7.3%
Nebraska $992 -$270 -21.4%
Nevada $1,510 $248 19.7%
New Hampshire $910 -$352 -27.9%
New Jersey $1,410 $148 11.7%
New Mexico $1,116 -$146 -11.6%
New York $1,328 $66 5.2%
North Carolina $726 -$536 -42.5%
North Dakota $1,034 -$228 -18.1%
Ohio $870 -$392 -31.1%
Oklahoma $1,294 $32 2.5%
Oregon $1,156 -$106 -8.4%
Pennsylvania $1,200 -$62 -4.9%
Rhode Island $1,682 $420 33.3%
South Carolina $1,142 -$120 -9.5%
South Dakota $1,064 -$198 -15.7%
Tennessee $1,104 -$158 -12.5%
Texas $1,520 $258 20.4%
Utah $932 -$330 -26.1%
Vermont $860 -$402 -31.9%
Virginia $756 -$506 -40.1%
Washington $974 -$288 -22.8%
West Virginia $1,156 -$106 -8.4%
Wisconsin $870 -$392 -31.1%
Wyoming $1,122 -$140 -11.1%

View Chart as Image

Subaru Forester insurance rates by U.S. city

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 $1,186 $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.

Subaru Forester Insurance Rates by Model Year
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.

      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
      Property Damage-21%
      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 $4,644
      20 $2,874
      30 $1,318
      40 $1,262
      50 $1,150
      60 $1,130

      Full coverage, $500 deductibles

      Rates by Deductible

      Subaru Forester Insurance Rates with Different Deductibles
      Deductible Premium
      $100 $1,590
      $250 $1,440
      $500 $1,262
      $1,000 $1,090

      Full coverage, driver age 40

      Rates by Liability Limit

      Subaru Forester Insurance Rates with Different Liability Limits
      Liability Limit Premium
      30/60 $1,262
      50/100 $1,439
      100/300 $1,533
      250/500 $1,778
      100 CSL $1,477
      300 CSL $1,684
      500 CSL $1,834

      Full coverage, driver age 40

      Rates for High Risk Drivers

      Subaru Forester Insurance Rates for High Risk Drivers
      Age Premium
      16 $6,626
      20 $4,574
      30 $2,772
      40 $2,712
      50 $2,584
      60 $2,558

      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 $173

      Potential Rate Discounts

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

      Discount Savings
      Multi-policy $68
      Multi-vehicle $65
      Homeowner $19
      5-yr Accident Free $91
      5-yr Claim Free $81
      Paid in Full/EFT $57
      Advance Quote $61
      Online Quote $90
      Total Discounts $532
      Rate after discounts $730

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

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