Subaru Forester Insurance Rates

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.

The average insurance rates for a Subaru Forester are $1,304 a year with full coverage. Comprehensive costs on average $320 each year, collision costs $494, and liability insurance is estimated at $354. Liability-only coverage costs approximately $406 a year, with high-risk coverage costing around $2,798. Teen drivers cost the most to insure at $4,726 a year or more.

Average premium for full coverage: $1,304

Policy rates by type of insurance:

These estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and Forester models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than larger metro areas.

The graphic below illustrates the effect of geographic area on car insurance rates.

The examples above demonstrate why all drivers should get quotes based on a specific location, rather than relying on price averages.

Use the form below to get customized rates for your location.

More Rate Information

The chart below details estimated Subaru Forester insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $753
• Choosing higher $1,000 deductibles can save around $184 annually
• The estimated price for a good driver age 40 with $500 deductibles is $1,304
• Choosing low deductibles for comp and collision coverage bumps up the cost to $1,662
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,798 or more
• Policy cost that insures a teen driver may cost $4,726 each year

View Chart as Image

Insurance rates for a Subaru Forester also range considerably based on the trim level and model year, your age and driving habits, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $1,500 to $2,100 additional every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 129% more than average. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $4,700 a year. View Rates by Age

Your home state plays a big part in determining prices for Subaru Forester insurance rates. A good driver about age 40 could pay as low as $940 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,760 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing high deductibles can save as much as $550 each year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $318 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out exactly what you will pay is to do a rate comparison from as many companies as possible. Each auto insurer uses a different rate calculation, and rates will be varied.

Insurance Rates by Trim Level and Model Year

Rates assume 2023 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.

How to Find Cheap Subaru Forester Insurance

Finding cheaper rates on Subaru Forester insurance takes avoiding accidents and claims, having a good credit score, not filing small claims, and insuring your home and auto with the same company. Shop around every other policy renewal by quoting rates from direct companies, and also from several local insurance agents.

The points below are a brief summary of the ideas that were covered in the above illustrations.

• Drivers under the age of 20 pay higher rates, as much as $394 each month if comprehensive and collision insurance is included
• High-risk drivers that tend to have accidents or serious violations pay on average $1,490 more each year to insure a Subaru Forester
• Increasing comprehensive and collision deductibles can save approximately $550 each year
• You may be able to save as much as $160 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.

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.

Subaru Forester Crash Test Ratings

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:

• Ford Escape
• Jeep Compass
• Toyota RAV4

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.

Subaru Forester Insurance Loss Probability

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.