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Subaru Forester Insurance Rates

Subaru Forester insurance

Estimated insurance prices for a Subaru Forester are $1,326 every 12 months with full coverage. Comprehensive insurance costs an estimated $346 each year, collision insurance costs $512, and liability costs around $332. Liability-only insurance costs as low as $388 a year, and high-risk driver insurance costs $2,826 or more. 16-year-old drivers pay the most at up to $4,722 a year.

Average premium for full coverage: $1,326

Premium estimates broken down by type of coverage:

Comprehensive $346
Collision $512
Liability $332

Rate estimates include $500 physical damage deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and Forester models.

Insurance Price Range by Risk and Coverage

For an average driver, insurance rates for a Subaru Forester range from the cheapest price of $388 for just liability coverage to a high rate of $2,826 for a driver required to buy high-risk insurance.

Liability Only $388
Full Coverage $1,326
High Risk $2,826

Insurance Price Range by Location

Where you live can have significant affects on car insurance rates. More rural locations are statistically proven to have more infrequent collision claims than congested cities. The graphic below illustrates the effect of geographic area on insurance prices.

Rural Areas $995
Small Cities $1,392
Large Cities $1,790

These rate differences demonstrate why all drivers should compare prices for a targeted area and their own driving history, instead of using rate averages.

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Detailed Rate Analysis

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

  • The best full coverage rate is $768
  • Using higher $1,000 deductibles will save approximately $198 annually
  • The average price for a 40-year-old good driver who has $500 deductibles is $1,326
  • Buying low deductibles for physical damage coverage costs an extra $372 every year
  • Drivers with multiple tickets or accidents could pay up to $2,826
  • An auto insurance policy to insure a teen driver can cost as much as $4,722 or more

View Chart as Image

Subaru Forester insurance cost comparison chart
Column chart showing Subaru Forester insurance prices range from $768 to $4,722 for full coverage

Insurance prices for a Subaru Forester also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model year and trim level.

Opting for high physical damage deductibles could cut prices by as much as $570 every year, whereas increasing liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $299 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay at least $4,700 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out $1,500 to $2,100 additional annually, depending on your age. Insurance for high-risk drivers can be as much as 44% to 127% more than the average rate. View High Risk Driver Rates

Where you choose to live has a huge impact on Subaru Forester insurance prices. A driver around age 40 might see prices as low as $950 a year in states like Utah, Ohio, and New Hampshire, or at least $1,790 on average in New York, Michigan, and Florida.

Subaru Forester Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,196-$130-9.8%
Alaska$1,016-$310-23.4%
Arizona$1,096-$230-17.3%
Arkansas$1,326-$00.0%
California$1,508$18213.7%
Colorado$1,262-$64-4.8%
Connecticut$1,360$342.6%
Delaware$1,496$17012.8%
Florida$1,652$32624.6%
Georgia$1,224-$102-7.7%
Hawaii$950-$376-28.4%
Idaho$896-$430-32.4%
Illinois$984-$342-25.8%
Indiana$998-$328-24.7%
Iowa$894-$432-32.6%
Kansas$1,256-$70-5.3%
Kentucky$1,806$48036.2%
Louisiana$1,958$63247.7%
Maine$818-$508-38.3%
Maryland$1,094-$232-17.5%
Massachusetts$1,054-$272-20.5%
Michigan$2,298$97273.3%
Minnesota$1,110-$216-16.3%
Mississippi$1,584$25819.5%
Missouri$1,174-$152-11.5%
Montana$1,422$967.2%
Nebraska$1,042-$284-21.4%
Nevada$1,586$26019.6%
New Hampshire$954-$372-28.1%
New Jersey$1,480$15411.6%
New Mexico$1,170-$156-11.8%
New York$1,392$665.0%
North Carolina$762-$564-42.5%
North Dakota$1,086-$240-18.1%
Ohio$910-$416-31.4%
Oklahoma$1,356$302.3%
Oregon$1,212-$114-8.6%
Pennsylvania$1,262-$64-4.8%
Rhode Island$1,766$44033.2%
South Carolina$1,200-$126-9.5%
South Dakota$1,118-$208-15.7%
Tennessee$1,158-$168-12.7%
Texas$1,596$27020.4%
Utah$980-$346-26.1%
Vermont$904-$422-31.8%
Virginia$792-$534-40.3%
Washington$1,020-$306-23.1%
West Virginia$1,214-$112-8.4%
Wisconsin$916-$410-30.9%
Wyoming$1,180-$146-11.0%

View Chart as Image

Subaru Forester insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

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 YearComprehensiveCollisionLiabilityTotal Premium
2018 Subaru Forester$346$512$332$1,326
2017 Subaru Forester$332$506$338$1,312
2016 Subaru Forester$320$494$354$1,304
2015 Subaru Forester$310$474$364$1,284
2014 Subaru Forester$292$458$376$1,262
2013 Subaru Forester$282$424$384$1,226
2012 Subaru Forester$270$400$388$1,194
2011 Subaru Forester$258$358$390$1,142
2010 Subaru Forester$242$330$390$1,098
2009 Subaru Forester$234$310$394$1,074
2008 Subaru Forester$228$288$402$1,054
2007 Subaru Forester$210$268$402$1,016
2006 Subaru Forester$206$244$406$992
2005 Subaru Forester$192$222$402$952
2004 Subaru Forester$180$202$402$920
2003 Subaru Forester$174$182$398$890
2002 Subaru Forester$172$178$390$876
2001 Subaru Forester$168$168$384$856
2000 Subaru Forester$154$160$380$830
1999 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 Shop for the Best Subaru Forester Insurance

Finding better rates on car insurance requires being a safe and courteous driver, having above-average credit, being claim-free, and possibly raising deductibles. Take the time to compare rates at every policy renewal by getting quotes from direct companies, and also from your local independent and exclusive agents.

Below is a brief recap of the data covered in the above illustrations.

  • Policyholders who want higher levels of liability will pay around $370 every year to increase from 30/60 bodily injury limits to a 250/500 level
  • You may be able to save approximately $160 per year just by quoting online in advance
  • Increasing policy deductibles could save as much as $575 each year
  • Teenage drivers are expensive to insure, possibly costing $394 per month if full coverage is included

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Rates by Driver Age

Subaru Forester Insurance Rates by Driver Age
Driver AgePremium
16$4,722
20$2,990
30$1,390
40$1,326
50$1,204
60$1,182

Full coverage, $500 deductibles

Rates by Deductible

Subaru Forester Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,698
$250$1,528
$500$1,326
$1,000$1,128

Full coverage, driver age 40

Rates by Liability Limit

Subaru Forester Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,326
50/100$1,506
100/300$1,589
250/500$1,805
100 CSL$1,540
300 CSL$1,722
500 CSL$1,855

Full coverage, driver age 40

Rates for High Risk Drivers

Subaru Forester Insurance Rates for High Risk Drivers
AgePremium
16$6,752
20$4,746
30$2,900
40$2,826
50$2,688
60$2,662

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 $178

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

DiscountSavings
Multi-policy$71
Multi-vehicle$66
Homeowner$19
5-yr Accident Free$97
5-yr Claim Free$85
Paid in Full/EFT$61
Advance Quote$64
Online Quote$95
Total Discounts$558
Rate after discounts $768

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

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