Subaru Forester X Premium AWD Insurance Rates

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U.S. average insurance prices for a Subaru Forester X Premium AWD are $1,308 every 12 months with full coverage. Comprehensive costs approximately $354 each year, collision insurance costs $508, and liability coverage costs around $310. Just liability insurance costs as low as $370 a year, and coverage for high-risk drivers costs around $2,782. Teenage drivers pay the highest rates at up to $4,618 a year.

Annual premium for full coverage: $1,308

Price estimates by individual coverage:

Comprehensive $354
Collision $508
Liability $310

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Subaru Forester Trim Level

For a driver around age 40, Subaru Forester X Premium AWD insurance prices range from the cheapest price of $370 for just liability insurance to a high rate of $2,782 for a high-risk insurance policy.

Liability Only $370
Full Coverage $1,308
High Risk $2,782

Geographic Price Range

Where you live has a large influence on the price of insurance. Rural locations have more infrequent collision claims than densely populated cities. The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

Rural Areas $981
Small Cities $1,373
Large Cities $1,766

These price ranges demonstrate why all drivers should compare prices using their specific location and their own driving history, rather than using average rates.

Use the form below to get rates for your location.

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Insurance rates for a Subaru Forester X Premium AWD are also quite variable based on deductibles and policy limits, your driving record, and the replacement cost of your Forester.

Using high physical damage deductibles could cut rates by as much as $580 a year, whereas increasing liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will increase rates by as much as $279 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may only pay around $1,200 a year for full coverage. Rates are much higher for teenage drivers, since even excellent drivers can expect to pay in the ballpark of $4,600 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out anywhere from $1,500 to $2,000 extra each year, depending on your age. Insurance for high-risk drivers can be around 43% to 129% more than a normal policy. View High Risk Driver Rates

The state you live in has a huge impact on Subaru Forester X Premium AWD insurance rates. A driver around age 40 might see rates as low as $970 a year in states like Vermont, Ohio, and Indiana, or be forced to pay as much as $1,790 on average in Montana, Michigan, and New Jersey. Rates by state and city are shown later in the article.

Since rates can be so different, the best way to find out which auto insurance is cheapest is to do a rate comparison and see how they stack up. Each insurance company uses a different method to calculate rates, so the rates may be quite different.

View Chart as Image

Subaru Forester X Premium AWD insurance cost comparison chart
Column chart showing Subaru Forester X Premium AWD insurance prices range from $760 to $4,618 for full coverage

The chart above shows Subaru Forester X Premium AWD insurance rates for various coverage choices and risks. The cheapest rate with discounts is $760. Drivers who use higher $1,000 deductibles will pay $1,112. The average rate for a middle-aged driver with a clean driving record using $500 deductibles is $1,308. Using lower $100 deductibles for comp and collision coverage could cost up to $1,684. Drivers with multiple violations and accidents could be charged at least $2,782. The policy rate for full coverage insurance for a teenager can be as high as $4,618.

Subaru Forester X Premium AWD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,182 -$126 -9.6%
Alaska $1,002 -$306 -23.4%
Arizona $1,084 -$224 -17.1%
Arkansas $1,308 -$0 0.0%
California $1,490 $182 13.9%
Colorado $1,248 -$60 -4.6%
Connecticut $1,342 $34 2.6%
Delaware $1,476 $168 12.8%
Florida $1,632 $324 24.8%
Georgia $1,210 -$98 -7.5%
Hawaii $938 -$370 -28.3%
Idaho $886 -$422 -32.3%
Illinois $972 -$336 -25.7%
Indiana $986 -$322 -24.6%
Iowa $882 -$426 -32.6%
Kansas $1,240 -$68 -5.2%
Kentucky $1,784 $476 36.4%
Louisiana $1,934 $626 47.9%
Maine $806 -$502 -38.4%
Maryland $1,078 -$230 -17.6%
Massachusetts $1,042 -$266 -20.3%
Michigan $2,268 $960 73.4%
Minnesota $1,094 -$214 -16.4%
Mississippi $1,564 $256 19.6%
Missouri $1,160 -$148 -11.3%
Montana $1,402 $94 7.2%
Nebraska $1,030 -$278 -21.3%
Nevada $1,566 $258 19.7%
New Hampshire $942 -$366 -28.0%
New Jersey $1,462 $154 11.8%
New Mexico $1,156 -$152 -11.6%
New York $1,378 $70 5.4%
North Carolina $752 -$556 -42.5%
North Dakota $1,070 -$238 -18.2%
Ohio $900 -$408 -31.2%
Oklahoma $1,342 $34 2.6%
Oregon $1,198 -$110 -8.4%
Pennsylvania $1,244 -$64 -4.9%
Rhode Island $1,742 $434 33.2%
South Carolina $1,184 -$124 -9.5%
South Dakota $1,102 -$206 -15.7%
Tennessee $1,142 -$166 -12.7%
Texas $1,574 $266 20.3%
Utah $966 -$342 -26.1%
Vermont $894 -$414 -31.7%
Virginia $782 -$526 -40.2%
Washington $1,008 -$300 -22.9%
West Virginia $1,198 -$110 -8.4%
Wisconsin $904 -$404 -30.9%
Wyoming $1,164 -$144 -11.0%

View Chart as Image

Subaru Forester X Premium AWD insurance rates by U.S. city

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Rates by Driver Age

Subaru Forester X Premium AWD Insurance Rates by Driver Age
Driver Age Premium
16 $4,618
20 $2,942
30 $1,374
40 $1,308
50 $1,190
60 $1,166

Full coverage, $500 deductibles

Rates by Deductible

Subaru Forester X Premium AWD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,684
$250 $1,512
$500 $1,308
$1,000 $1,112

Full coverage, driver age 40

Rates by Liability Limit

Subaru Forester X Premium AWD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,308
50/100 $1,370
100/300 $1,448
250/500 $1,649
100 CSL $1,401
300 CSL $1,572
500 CSL $1,696

Full coverage, driver age 40

Rates for High Risk Drivers

Subaru Forester X Premium AWD Insurance Rates for High Risk Drivers
Age Premium
16 $6,604
20 $4,662
30 $2,856
40 $2,782
50 $2,646
60 $2,618

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 $70
Multi-vehicle $64
Homeowner $18
5-yr Accident Free $95
5-yr Claim Free $83
Paid in Full/EFT $61
Advance Quote $63
Online Quote $94
Total Discounts $548
Rate after discounts $760

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

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