Subaru Forester Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Nov 27, 2019

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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.

Average insurance rates for a Subaru Forester are $1,262 a year for full coverage. Comprehensive costs on average $292 a year, collision costs $458, and liability insurance costs $376. A liability-only policy costs as little as $426 a year, with high-risk insurance costing around $2,712. Teen drivers receive the highest rates at $4,644 a year or more.

Average premium for full coverage: $1,262

Rate estimates by individual coverage type:

Comprehensive $292
Collision $458
Liability $376

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Forester trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $426 for only liability insurance to a high of $2,712 for a high risk driver.

Liability Only $426
Full Coverage $1,262
High Risk $2,712

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $947
Small Cities $1,325
Large Cities $1,704

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on price 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.

Insurance Rate Analysis

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

  • The lowest rate with discounts is $730
  • Drivers who choose higher $1,000 deductibles will pay around $1,090 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,262
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,590
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,712 or more
  • The cost for full coverage for a teen driver may cost $4,644 a year

View Chart as Image

Subaru Forester insurance cost comparison chart
Column chart showing full coverage Subaru Forester insurance rates range from $730 to $4,644

for a Subaru Forester can also vary considerably based on your driver profile, the trim level of your Forester, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $4,600 a year. View Rates by Age

Where you live makes a big difference in Subaru Forester insurance rates. A 40-year-old driver could pay as low as $830 a year in states like Idaho, Maine, and Iowa, or as much as $1,800 on average in Michigan, Louisiana, and New York.

Subaru Forester Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,140 -$122 -9.7%
Alaska $966 -$296 -23.5%
Arizona $1,046 -$216 -17.1%
Arkansas $1,262 -$0 0.0%
California $1,438 $176 13.9%
Colorado $1,204 -$58 -4.6%
Connecticut $1,294 $32 2.5%
Delaware $1,426 $164 13.0%
Florida $1,576 $314 24.9%
Georgia $1,166 -$96 -7.6%
Hawaii $906 -$356 -28.2%
Idaho $854 -$408 -32.3%
Illinois $938 -$324 -25.7%
Indiana $950 -$312 -24.7%
Iowa $850 -$412 -32.6%
Kansas $1,198 -$64 -5.1%
Kentucky $1,718 $456 36.1%
Louisiana $1,866 $604 47.9%
Maine $778 -$484 -38.4%
Maryland $1,042 -$220 -17.4%
Massachusetts $1,006 -$256 -20.3%
Michigan $2,190 $928 73.5%
Minnesota $1,054 -$208 -16.5%
Mississippi $1,510 $248 19.7%
Missouri $1,120 -$142 -11.3%
Montana $1,354 $92 7.3%
Nebraska $992 -$270 -21.4%
Nevada $1,510 $248 19.7%
New Hampshire $910 -$352 -27.9%
New Jersey $1,410 $148 11.7%
New Mexico $1,116 -$146 -11.6%
New York $1,328 $66 5.2%
North Carolina $726 -$536 -42.5%
North Dakota $1,034 -$228 -18.1%
Ohio $870 -$392 -31.1%
Oklahoma $1,294 $32 2.5%
Oregon $1,156 -$106 -8.4%
Pennsylvania $1,200 -$62 -4.9%
Rhode Island $1,682 $420 33.3%
South Carolina $1,142 -$120 -9.5%
South Dakota $1,064 -$198 -15.7%
Tennessee $1,104 -$158 -12.5%
Texas $1,520 $258 20.4%
Utah $932 -$330 -26.1%
Vermont $860 -$402 -31.9%
Virginia $756 -$506 -40.1%
Washington $974 -$288 -22.8%
West Virginia $1,156 -$106 -8.4%
Wisconsin $870 -$392 -31.1%
Wyoming $1,122 -$140 -11.1%

View Chart as Image

Subaru Forester insurance rates by U.S. city

Choosing high deductibles could save up to $500 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $339 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,500 to $2,000 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 133% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

Insurance Rates by Trim Level and Model Year

Subaru Forester Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Subaru Forester X AWD $1,186 $99
Subaru Forester X Premium AWD $1,224 $102
Subaru Forester X Premium AWP AWD $1,224 $102
Subaru Forester X Limited Edition AWD $1,262 $105
Subaru Forester X Limited Edition W/Navigation AWD $1,300 $108
Subaru Forester XT AWD $1,300 $108
Subaru Forester XT Limited Edition AWD $1,328 $111
Subaru Forester XT Limited Edition W/Navigation AWD $1,364 $114

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.

Subaru Forester Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2018 Subaru Forester $292 $458 $376 $1,262
2016 Subaru Forester $270 $400 $388 $1,194
2015 Subaru Forester $258 $358 $390 $1,142
2014 Subaru Forester $242 $330 $390 $1,098
2012 Subaru Forester $228 $288 $402 $1,054
2011 Subaru Forester $210 $268 $402 $1,016
2010 Subaru Forester $206 $244 $406 $992
2009 Subaru Forester $192 $222 $402 $952
2008 Subaru Forester $180 $202 $402 $920
2007 Subaru Forester $174 $182 $398 $890
2006 Subaru Forester $172 $178 $390 $876
2005 Subaru Forester $168 $168 $384 $856
2004 Subaru Forester $154 $160 $380 $830
2003 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 Cheaper Subaru Forester Insurance

Saving money on Subaru Forester insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $500 each year
  • Drivers can save as much as $150 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $410 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $387 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,450 more each year for 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.

      Subaru Forester Crash Test Ratings
      Vehicle TestedOverallFrontalSideRollover
      2020 Subaru Forester SUV AWD5 stars5 stars5 stars4 stars
      2019 Subaru Forester SUV AWD5 stars5 stars5 stars4 stars
      2018 Subaru Forester SUV AWD5 stars4 stars5 stars4 stars
      2017 Subaru Forester SUV AWD5 stars4 stars5 stars4 stars
      2016 Subaru Forester SUV AWD5 stars4 stars5 stars4 stars
      Get Your Rates Quote Now

      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.

      Subaru Forester Insurance Loss Probability
      Insurance Coverage CategoryLoss Rate
      Property Damage-21%
      Personal Injury-24%
      Medical Payment-23%
      Bodily Injury-31%
      Get Your Rates Quote Now

      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

      Rates by Driver Age

      Subaru Forester Insurance Rates by Driver Age
      Driver Age Premium
      16 $4,644
      20 $2,874
      30 $1,318
      40 $1,262
      50 $1,150
      60 $1,130

      Full coverage, $500 deductibles

      Rates by Deductible

      Subaru Forester Insurance Rates with Different Deductibles
      Deductible Premium
      $100 $1,590
      $250 $1,440
      $500 $1,262
      $1,000 $1,090

      Full coverage, driver age 40

      Rates by Liability Limit

      Subaru Forester Insurance Rates with Different Liability Limits
      Liability Limit Premium
      30/60 $1,262
      50/100 $1,439
      100/300 $1,533
      250/500 $1,778
      100 CSL $1,477
      300 CSL $1,684
      500 CSL $1,834

      Full coverage, driver age 40

      Rates for High Risk Drivers

      Subaru Forester Insurance Rates for High Risk Drivers
      Age Premium
      16 $6,626
      20 $4,574
      30 $2,772
      40 $2,712
      50 $2,584
      60 $2,558

      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 $68
      Multi-vehicle $65
      Homeowner $19
      5-yr Accident Free $91
      5-yr Claim Free $81
      Paid in Full/EFT $57
      Advance Quote $61
      Online Quote $90
      Total Discounts $532
      Rate after discounts $730

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

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