Subaru Forester XT Limited Edition AWD Insurance Rates

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U.S. average insurance rates for a Subaru Forester XT Limited Edition AWD are $1,432 a year with full coverage. Comprehensive costs on average $382, collision costs $604, and liability costs $310. Buying just liability costs as little as $370 a year, with insurance for high-risk drivers costing around $3,060. Teenage drivers pay the highest rates at $5,032 a year or more.

Annual premium for full coverage: $1,432

Price estimates by type of coverage:

Comprehensive $382
Collision $604
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

Using a 40-year-old driver as an example, Subaru Forester XT Limited Edition AWD insurance prices go from the low end price of $370 for just liability insurance to the much higher price of $3,060 for a policy for a high-risk driver.

Liability Only $370
Full Coverage $1,432
High Risk $3,060

Geographic Price Range

Your location can have significant affects on auto insurance rates. Rural areas have lower incidents of collision claims than densely populated cities.

The example below illustrates how rural and urban location affects car insurance rates.

Rural Areas $1,074
Small Cities $1,504
Large Cities $1,933

These price ranges demonstrate why everyone should compare rates based on a specific location, instead of using average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Companies with Cheap Subaru Forester XT Limited Edition AWD Insurance

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Insurance prices for a Subaru Forester XT Limited Edition AWD are also quite variable based on the replacement cost of your Forester, your age and driving habits, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you may be forking out at a minimum $1,700 to $2,200 additional each year, depending on your age. Subaru Forester XT Limited Edition AWD insurance for high-risk drivers can cost as much as 44% to 133% more than a normal policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay upwards of $5,000 a year. View Rates by Age

The state you live in makes a big difference in Subaru Forester XT Limited Edition AWD insurance prices. A 40-year-old driver could pay as low as $970 a year in states like Indiana, Ohio, and Vermont, or be forced to pay as much as $1,790 on average in New Jersey, Michigan, and Montana. Rates by state and city are shown later in the article.

Using high physical damage deductibles could save up to $660 every year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase rates by as much as $279 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out exactly what you will pay is to regularly compare prices and see which company has the best price. Every company uses a different method to calculate prices, and rates may be quite different.

View Chart as Image

Subaru Forester XT Limited Edition AWD insurance cost comparison chart
Column chart showing Subaru Forester XT Limited Edition AWD insurance prices range from $819 to $5,032 for full coverage

The chart above shows Subaru Forester XT Limited Edition AWD insurance prices for different risks and coverage choices. The best price after discounts is $819. Drivers who use higher $1,000 deductibles will pay $1,206. The average price for a 40-year-old male driver using $500 deductibles is $1,432. Selecting more expensive $100 deductibles for comp and collision coverage can cost as much as $1,862. Drivers with multiple violations and accidents could be charged at least $3,060. The rate for full coverage insurance for a teen driver is $5,032.

Subaru Forester XT Limited Edition AWD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,294 -$138 -9.6%
Alaska $1,094 -$338 -23.6%
Arizona $1,186 -$246 -17.2%
Arkansas $1,432 -$0 0.0%
California $1,630 $198 13.8%
Colorado $1,364 -$68 -4.7%
Connecticut $1,468 $36 2.5%
Delaware $1,616 $184 12.8%
Florida $1,786 $354 24.7%
Georgia $1,324 -$108 -7.5%
Hawaii $1,028 -$404 -28.2%
Idaho $968 -$464 -32.4%
Illinois $1,064 -$368 -25.7%
Indiana $1,076 -$356 -24.9%
Iowa $964 -$468 -32.7%
Kansas $1,356 -$76 -5.3%
Kentucky $1,950 $518 36.2%
Louisiana $2,118 $686 47.9%
Maine $882 -$550 -38.4%
Maryland $1,180 -$252 -17.6%
Massachusetts $1,140 -$292 -20.4%
Michigan $2,482 $1,050 73.3%
Minnesota $1,196 -$236 -16.5%
Mississippi $1,712 $280 19.6%
Missouri $1,270 -$162 -11.3%
Montana $1,534 $102 7.1%
Nebraska $1,128 -$304 -21.2%
Nevada $1,714 $282 19.7%
New Hampshire $1,030 -$402 -28.1%
New Jersey $1,600 $168 11.7%
New Mexico $1,264 -$168 -11.7%
New York $1,506 $74 5.2%
North Carolina $824 -$608 -42.5%
North Dakota $1,170 -$262 -18.3%
Ohio $986 -$446 -31.1%
Oklahoma $1,466 $34 2.4%
Oregon $1,310 -$122 -8.5%
Pennsylvania $1,362 -$70 -4.9%
Rhode Island $1,906 $474 33.1%
South Carolina $1,296 -$136 -9.5%
South Dakota $1,204 -$228 -15.9%
Tennessee $1,250 -$182 -12.7%
Texas $1,722 $290 20.3%
Utah $1,056 -$376 -26.3%
Vermont $978 -$454 -31.7%
Virginia $858 -$574 -40.1%
Washington $1,104 -$328 -22.9%
West Virginia $1,312 -$120 -8.4%
Wisconsin $988 -$444 -31.0%
Wyoming $1,274 -$158 -11.0%

View Chart as Image

Subaru Forester XT Limited Edition AWD insurance rates by U.S. city

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Rates by Driver Age

Subaru Forester XT Limited Edition AWD Insurance Rates by Driver Age
Driver Age Premium
16 $5,032
20 $3,244
30 $1,508
40 $1,432
50 $1,302
60 $1,276

Full coverage, $500 deductibles

Rates by Deductible

Subaru Forester XT Limited Edition AWD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,862
$250 $1,664
$500 $1,432
$1,000 $1,206

Full coverage, driver age 40

Rates by Liability Limit

Subaru Forester XT Limited Edition AWD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,432
50/100 $1,494
100/300 $1,572
250/500 $1,773
100 CSL $1,525
300 CSL $1,696
500 CSL $1,820

Full coverage, driver age 40

Rates for High Risk Drivers

Subaru Forester XT Limited Edition AWD Insurance Rates for High Risk Drivers
Age Premium
16 $7,216
20 $5,146
30 $3,148
40 $3,060
50 $2,910
60 $2,882

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 $194

Potential Rate Discounts

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

Discount Savings
Multi-policy $78
Multi-vehicle $71
Homeowner $19
5-yr Accident Free $109
5-yr Claim Free $92
Paid in Full/EFT $69
Advance Quote $71
Online Quote $104
Total Discounts $613
Rate after discounts $819

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

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