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 auto insurance rates for a Subaru Forester are $1,304 annually with full coverage. Comprehensive insurance costs on average $320 each year, collision costs $494, and liability coverage is $354. Buying just liability costs around $406 a year, with insurance for high-risk drivers costing $2,798 or more. 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 physical damage insurance deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and Forester models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on auto insurance rates. Rural areas are shown to have fewer collision claims than larger metro areas.

The graphic below illustrates the difference between rural and urban areas on car insurance rates.

The examples above demonstrate why all drivers should compare rates quotes based on a specific location and their own personal driving habits, rather than using price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $753
• Raising to $1,000 deductibles will save around $184 annually
• The estimated rate for a good driver age 40 with $500 deductibles is $1,304
• Choosing low deductibles costs an additional $358 each year
• Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $2,798 or more
• Policy cost with full coverage for a teenage driver may cost $4,726

View Chart as Image

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

More mature drivers with a clean driving record and high physical damage deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay upwards of $4,700 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out at a minimum $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 44% to 129% more than average. View High Risk Driver Rates

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

Your home state also has a big influence on Subaru Forester insurance rates. A middle-age driver might find rates 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

Because rates have so much variability, the best way to find out exactly what you will pay is to do a rate comparison and see how they stack up. Every auto insurance company uses a different rate calculation, so the rates will be varied between companies.

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 Buy Cheap Subaru Forester Insurance

Finding cheaper rates on auto insurance consists of being a low-risk driver, having a good credit history, not filing small claims, and bundling your home and auto policies. Set aside time to compare rates every time your policy renews by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The items below are a brief summary of the information covered above.

• You may be able to save as much as $160 per year simply by quoting online in advance
• Teen drivers pay the highest rates, as much as $394 each month including comprehensive and collision insurance
• Increasing comprehensive and collision deductibles could save up to $550 each year
• Drivers that tend to have accidents or serious violations pay an average of $1,490 more each year to insure their Forester
• Consumers who require more liability coverage will pay about $390 every year to raise from a 30/60 limit to higher 250/500 limits

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.