Subaru Forester Insurance Rates
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UPDATED: Jun 6, 2023
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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 insurance rates for a Subaru Forester are $1,226 a year for full coverage insurance. Comprehensive insurance costs on average $282 each year, collision costs $424, and liability insurance is $384. A liability-only policy costs around $432 a year, with high-risk insurance costing $2,632 or more. 16-year-old drivers pay the most at $4,532 a year or more.
Average premium for full coverage: $1,226
Premium estimates by type of coverage:
Rate estimates include $500 deductible amounts, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and Forester models.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Subaru Forester go from the low end price of $432 for liability-only coverage to a high rate of $2,632 for a policy for a high-risk driver.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on insurance rates. Rural areas are statistically proven to have lower incidents of physical damage claims than congested cities.
The graphic below illustrates how rural and urban location affects car insurance rates.
These rate differences illustrate why all drivers should compare rates quotes based on a specific location, rather than relying on 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.
Additional Charts and Tables
The chart below illustrates estimated Subaru Forester insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $713
- Raising to $1,000 deductibles will save around $160 each year
- The estimated price for a 40-year-old good driver with $500 deductibles is $1,226
- Buying low deductibles will cost an additional $308 a year
- Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,632 or more
- An auto insurance policy that insures a teen driver may cost $4,532
Auto insurance prices for a Subaru Forester also have a wide range based on the trim level and model year, your age and driving record, and policy deductibles and limits.
If you have a few violations or you caused an accident, you are probably paying at a minimum $1,400 to $2,000 in extra premium annually, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 44% to 128% more than the average rate. View High Risk Driver Rates
More mature drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay upwards of $4,500 a year. View Rates by Age
Where you choose to live also has a big influence on Subaru Forester insurance rates. A middle-age driver might find prices as low as $800 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,650 on average in Michigan, New York, and Florida.
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% |
Opting for high physical damage deductibles can reduce prices by up to $470 each year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $345 extra every year. View Rates by Deductible or Liability Limit
With such a large range in prices, the only way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Every auto insurance company utilizes a different rate formula, and quoted prices will be substantially different.
Insurance Rates by Trim Level and Model Year
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.
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 Subaru Forester Insurance
Finding better rates on Subaru Forester insurance consists of having a good driving record, maintaining a good credit score, paying for small claims out-of-pocket, and taking advantage of discounts. Comparison shop every year by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.
The next list is a brief recap of the coverage data raised in the charts and tables above.
- It is possible to save as much as $150 per year simply by quoting online in advance
- Increasing policy deductibles can save approximately $475 each year
- Drivers age 20 and younger are charged the highest prices, with premiums being up to $378 per month if the policy includes full coverage
- High-risk drivers who tend to receive serious violations may pay on average $1,410 more each year to buy Subaru Forester insurance
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.
Vehicle Tested | Overall | Frontal | Side | Rollover |
---|---|---|---|---|
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 |
---|---|
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.
Rate Tables and Charts
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
Deductible | Premium |
---|---|
$100 | $1,534 |
$250 | $1,392 |
$500 | $1,226 |
$1,000 | $1,066 |
Full coverage, driver age 40
Rates by Liability Limit
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
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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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