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.

Average insurance rates for a Subaru Forester are $1,312 a year with full coverage. Comprehensive insurance costs an estimated $332 a year, collision costs $506, and liability coverage costs around $338. Liability-only coverage costs as low as $394 a year, with high-risk coverage costing $2,810 or more. Teen drivers receive the highest rates at $4,720 a year or more.

Average premium for full coverage: $1,312

Rate estimates broken down by individual coverage type:

Rates are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and Forester trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on car insurance rates. More rural locations tend to have lower incidents of collision claims than larger metro areas.

The diagram below illustrates how your location can change insurance prices.

These examples demonstrate why it is important to compare prices for a targeted area, rather than using price averages.

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

Rates by State, City, and Model

The chart below details estimated Subaru Forester insurance rates for other coverage scenarios.

• The lowest rate with discounts is $757
• Using higher $1,000 deductibles will save approximately $1,122 annually
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,312
• Choosing low $100 deductibles for physical damage coverage will cost an additional $366 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,810 or more
• The cost that insures a teenage driver can cost as much as $4,720 or more

View Chart as Image

Car insurance rates for a Subaru Forester can also vary considerably based on the trim level of your Forester, your age and driving habits, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you may be forking out $1,500 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy can be around 44% to 128% more than average. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,200 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will be charged at least $4,700 a year. View Rates by Age

Where you live has a huge impact on Subaru Forester insurance rates. A driver around age 40 might see rates as low as $950 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,770 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles could cut rates by as much as $560 a year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $304 extra every 12 months. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to find out which company is cheapest is to get quotes and see how they stack up. Each insurance company uses a different rate calculation, so rate quotes can be significantly different.

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 the Best Cheap Subaru Forester Insurance

Saving money on auto insurance requires having a decent driving record, having a positive credit history, eliminating unnecessary coverage, and not having any coverage lapses. Shop around every time your policy renews by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following items are a quick review of the information illustrated above.

• You may be able to save approximately $160 per year simply by quoting early and online
• 16 to 18-year-old drivers have the highest car insurance rates, with premiums as much as $393 per month if full coverage is purchased
• Increasing deductibles can save approximately $550 each year
• Drivers with a DUI or reckless driving violation could be forced to pay on average $1,500 more annually than a driver with a clean driving record
• Consumers who want additional liability coverage will pay about $370 every year to increase from a minimum limit to the 250/500 level

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.