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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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UPDATED: Apr 9, 2020

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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.

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.

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.

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
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,196 -$130 -9.8%
Alaska $1,016 -$310 -23.4%
Arizona $1,096 -$230 -17.3%
Arkansas $1,326 -$0 0.0%
California $1,508 $182 13.7%
Colorado $1,262 -$64 -4.8%
Connecticut $1,360 $34 2.6%
Delaware $1,496 $170 12.8%
Florida $1,652 $326 24.6%
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 $480 36.2%
Louisiana $1,958 $632 47.7%
Maine $818 -$508 -38.3%
Maryland $1,094 -$232 -17.5%
Massachusetts $1,054 -$272 -20.5%
Michigan $2,298 $972 73.3%
Minnesota $1,110 -$216 -16.3%
Mississippi $1,584 $258 19.5%
Missouri $1,174 -$152 -11.5%
Montana $1,422 $96 7.2%
Nebraska $1,042 -$284 -21.4%
Nevada $1,586 $260 19.6%
New Hampshire $954 -$372 -28.1%
New Jersey $1,480 $154 11.6%
New Mexico $1,170 -$156 -11.8%
New York $1,392 $66 5.0%
North Carolina $762 -$564 -42.5%
North Dakota $1,086 -$240 -18.1%
Ohio $910 -$416 -31.4%
Oklahoma $1,356 $30 2.3%
Oregon $1,212 -$114 -8.6%
Pennsylvania $1,262 -$64 -4.8%
Rhode Island $1,766 $440 33.2%
South Carolina $1,200 -$126 -9.5%
South Dakota $1,118 -$208 -15.7%
Tennessee $1,158 -$168 -12.7%
Texas $1,596 $270 20.4%
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

Subaru Forester Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Subaru Forester X AWD $1,240 $103
Subaru Forester X Premium AWD $1,282 $107
Subaru Forester X Premium AWP AWD $1,282 $107
Subaru Forester X Limited Edition AWD $1,326 $111
Subaru Forester X Limited Edition W/Navigation AWD $1,368 $114
Subaru Forester XT AWD $1,368 $114
Subaru Forester XT Limited Edition AWD $1,396 $116
Subaru Forester XT Limited Edition W/Navigation AWD $1,440 $120

Rates assume 2020 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
2020 Subaru Forester $346 $512 $332 $1,326
2019 Subaru Forester $332 $506 $338 $1,312
2018 Subaru Forester $320 $494 $354 $1,304
2017 Subaru Forester $310 $474 $364 $1,284
2016 Subaru Forester $292 $458 $376 $1,262
2015 Subaru Forester $282 $424 $384 $1,226
2014 Subaru Forester $270 $400 $388 $1,194
2013 Subaru Forester $258 $358 $390 $1,142
2012 Subaru Forester $242 $330 $390 $1,098
2011 Subaru Forester $234 $310 $394 $1,074
2010 Subaru Forester $228 $288 $402 $1,054
2009 Subaru Forester $210 $268 $402 $1,016
2008 Subaru Forester $206 $244 $406 $992
2007 Subaru Forester $192 $222 $402 $952
2006 Subaru Forester $180 $202 $402 $920
2005 Subaru Forester $174 $182 $398 $890
2004 Subaru Forester $172 $178 $390 $876
2003 Subaru Forester $168 $168 $384 $856
2002 Subaru Forester $154 $160 $380 $830
2001 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

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
      Collision-34%
      Property Damage-21%
      Comprehensive-15%
      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 $4,722
      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
      Deductible Premium
      $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 Limit Premium
      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
      Age Premium
      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.

      Discount Savings
      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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