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.

U.S. average insurance rates for a Subaru Forester are $1,312 a year including full coverage. Comprehensive insurance costs around $332, collision insurance costs $506, and liability coverage costs $338. A policy with just liability insurance costs as little as $394 a year, and coverage for high-risk drivers costs $2,810 or more. 16-year-old drivers pay the highest rates at up to $4,720 a year.

Average premium for full coverage: $1,312

Price estimates for individual coverage:

Full coverage includes $500 deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and for all Forester models.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on the price of insurance. Areas with sparse population have a lower frequency of comprehensive and collision claims than congested cities. The example below illustrates the difference between rural and urban areas on auto insurance rates.

The ranges above highlight why everyone should compare rates for a specific zip code and risk profile, rather than using rate averages.

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

Rates by State, City, and Model

The chart below breaks down average Subaru Forester insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $757
• Drivers who choose higher $1,000 deductibles will pay about $190 every year
• The average rate for the average middle-age driver using $500 deductibles is $1,312
• Buying pricier low deductibles for comprehensive and collision insurance will cost an extra $366 each year
• High-risk insureds with multiple tickets or accidents could pay at least $2,810
• The price for full coverage for a teenage driver for full coverage can be $4,720 a year

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Insurance prices for a Subaru Forester are also quite variable based on your driving record, the model of your Forester, and deductibles and policy limits.

A more mature driver with a clean driving record and high deductibles may only pay around $1,200 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay as much as $4,700 a year. View Rates by Age

The state you live in makes a big difference in Subaru Forester insurance rates. A 40-year-old driver could pay as low as $1,010 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,870 on average in Michigan, New York, and Louisiana.

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Opting for high physical damage deductibles could save up to $560 a year, whereas buying more liability protection will increase prices. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $304 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying at least $1,500 to $2,100 extra each year, depending on your age. Subaru Forester insurance for high-risk drivers can cost around 44% to 128% more than the average rate. View High Risk Driver Rates

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 More Affordable Subaru Forester Insurance

Getting lower rates on auto insurance not only requires not taking risks behind the wheel, but also maintaining good credit, being claim-free, and dropping full coverage on older vehicles. Set aside time to compare rates at every policy renewal by getting quotes from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.

The following is a summary of the data covered above.

• Consumers who may need higher liability limits will pay around $370 per year to go from a low limit to 250/500 limits
• You may be able to save up to $160 per year just by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save around $550 each year
• Teens pay higher prices, possibly costing $393 a month for full coverage

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.