Subaru Forester X Premium AWP AWD Insurance Rates

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Average insurance rates for a Subaru Forester X Premium AWP AWD are $1,308 a year with full coverage. Comprehensive insurance costs an estimated $354 each year, collision costs $508, and liability costs $310. Buying just liability costs as little as $370 a year, with insurance for high-risk drivers costing $2,782 or more. Teen drivers receive the highest rates at $4,618 a year or more.

Annual premium for full coverage: $1,308

Rate estimates broken down 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, prices go from as low as $370 for a discount liability-only rate to a high rate of $2,782 for a high-risk insurance policy.

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

These differences demonstrate why all drivers should compare rates for a targeted area and risk profile, instead of making a decision based on price averages.

Use the form below to get rates for your location.

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Auto insurance rates for a Subaru Forester X Premium AWP AWD can also vary considerably based on your driver profile, the actual cash value of your Forester, and liability limits and deductibles.

More mature drivers with a good driving record and high deductibles may pay as low as $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay at least $4,600 a year. View Rates by Age

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

Choosing high deductibles could save up to $580 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost as much as $279 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out $1,500 to $2,000 in extra premium per year, depending on your age. Insurance for high-risk drivers can cost from 43% to 129% more than average. View High Risk Driver Rates

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to do a rate comparison from multiple companies. Every company uses a different rate calculation, and quoted rates can be significantly different from one company to the next.

View Chart as Image

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

The chart above shows Subaru Forester X Premium AWP AWD insurance rates for different risk profiles and scenarios. The cheapest discount rate is $760. Drivers who choose higher $1,000 deductibles will pay around $1,112. The average rate for a driver around age 40 using $500 deductibles is $1,308. Using lower $100 deductibles for comp and collision coverage can cost as much as $1,684. High risk drivers could be charged as much as $2,782. The policy rate for full coverage for a teenage driver is $4,618.

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

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Rates by Driver Age

Subaru Forester X Premium AWP 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 AWP 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 AWP 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 AWP 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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