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.
Estimated auto insurance rates for a Subaru Forester are $1,262 annually for full coverage insurance. Comprehensive insurance costs an estimated $292 each year, collision costs $458, and liability coverage is estimated at $376. Liability-only insurance costs approximately $426 a year, with high-risk driver insurance costing $2,712 or more. 16-year-old drivers pay the most at $4,644 a year or more.
Average premium for full coverage: $1,262
Premium estimates broken down by type of coverage:
Full coverage includes $500 deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and Forester models.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Subaru Forester go from as cheap as $426 for just liability coverage to a high rate of $2,712 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Living in a larger city has a large influence on the price of insurance. More rural locations are statistically proven to have fewer physical damage claims than congested cities.
The graphic below illustrates how where you live affects insurance prices.
These rate differences illustrate why all drivers should get quotes for a targeted area and their own personal driving habits, rather than using rate averages.
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 illustrates estimated Subaru Forester insurance rates for other coverage scenarios.
- The best full coverage rate is $730
- Choosing higher $1,000 deductibles can save approximately $172 each year
- The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,262
- Buying low deductibles for comp and collision coverage costs an additional $328 each year
- Drivers with multiple tickets or accidents could pay up to $2,712 or more
- An auto insurance policy with full coverage for a teenage driver can cost as much as $4,644 each year
Insurance prices for a Subaru Forester also have a wide range based on the model of your Forester, your risk profile, and liability limits and deductibles.
More mature drivers with no violations or accidents and high physical damage deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay at least $4,600 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying $1,500 to $2,000 additional annually, depending on your age. Insurance for high-risk drivers ranges around 43% to 133% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $500 a year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $339 more each year. View Rates by Deductible or Liability Limit
Where you choose to live plays a big part in determining prices for Subaru Forester insurance rates. A good driver about age 40 could pay as low as $820 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,700 on average in Florida, New York, and Michigan.
|State||Premium||Compared to U.S. Avg||Percent Difference|
With such a large range in prices, the only way to figure out which insurance company is cheapest is to do a rate comparison and see how they stack up. Each auto insurer utilizes a different rate formula, and prices will be substantially different between companies.
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 Buy More Affordable Subaru Forester Insurance
Finding better rates on auto insurance takes not taking risks behind the wheel, having good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Take the time to comparison shop at every other renewal by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.
The following is a summary of the concepts that were touched on in the above illustrations.
- Drivers who have multiple accidents or major violations may pay on average $1,450 more annually for Forester insurance
- Teens are expensive to insure, with premiums being up to $387 per month if they have full coverage
- It is possible to save approximately $150 per year simply by quoting online in advance
- Increasing policy deductibles could save up to $500 each year
- It is possible to save approximately $150 per year simply by quoting online in advance
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.
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