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Subaru Forester Insurance Rates

Subaru Forester insurance

Estimated insurance prices for a Subaru Forester are $1,276 every 12 months with full coverage. Comprehensive insurance costs an estimated $344 each year, collision insurance costs $504, and liability costs around $300. Liability-only insurance costs as low as $356 a year, and high-risk driver insurance costs $2,724 or more. 16-year-old drivers pay the most at up to $4,518 a year.

Average premium for full coverage: $1,276

Premium estimates broken down by type of coverage:

Comprehensive $344
Collision $504
Liability $300

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 $356 for just liability coverage to a high rate of $2,724 for a driver required to buy high-risk insurance.

Liability Only $356
Full Coverage $1,276
High Risk $2,724

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 $957
Small Cities $1,340
Large Cities $1,723

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 $737
  • Using higher $1,000 deductibles will save approximately $192 annually
  • The average price for a 40-year-old good driver who has $500 deductibles is $1,276
  • Buying low deductibles for physical damage coverage costs an extra $372 every year
  • Drivers with multiple tickets or accidents could pay up to $2,724
  • An auto insurance policy to insure a teen driver can cost as much as $4,518 or more

View Chart as Image

Subaru Forester insurance cost comparison chart
Column chart showing Subaru Forester insurance prices range from $737 to $4,518 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 $270 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 $4,500 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 $2,000 additional annually, depending on your age. Insurance for high-risk drivers can be as much as 44% to 132% 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 $1,030 a year in states like Utah, Ohio, and New Hampshire, or at least $1,920 on average in New York, Michigan, and Florida.

Subaru Forester Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,230-$46-3.6%
Alaska$1,046-$230-18.0%
Arizona$1,282$60.5%
Arkansas$1,296$201.6%
California$1,436$16012.5%
Colorado$1,326$503.9%
Connecticut$1,676$40031.3%
Delaware$1,558$28222.1%
Florida$1,726$45035.3%
Georgia$1,268-$8-0.6%
Hawaii$1,378$1028.0%
Idaho$892-$384-30.1%
Illinois$950-$326-25.5%
Indiana$912-$364-28.5%
Iowa$962-$314-24.6%
Kansas$1,174-$102-8.0%
Kentucky$1,656$38029.8%
Louisiana$2,072$79662.4%
Maine$876-$400-31.3%
Maryland$1,316$403.1%
Massachusetts$1,128-$148-11.6%
Michigan$2,348$1,07284.0%
Minnesota$1,124-$152-11.9%
Mississippi$1,252-$24-1.9%
Missouri$1,092-$184-14.4%
Montana$1,158-$118-9.2%
Nebraska$1,054-$222-17.4%
Nevada$1,652$37629.5%
New Hampshire$1,040-$236-18.5%
New Jersey$1,276-$00.0%
New Mexico$1,184-$92-7.2%
New York$1,664$38830.4%
North Carolina$906-$370-29.0%
North Dakota$1,246-$30-2.4%
Ohio$900-$376-29.5%
Oklahoma$1,554$27821.8%
Oregon$1,196-$80-6.3%
Pennsylvania$1,438$16212.7%
Rhode Island$1,550$27421.5%
South Carolina$1,190-$86-6.7%
South Dakota$1,002-$274-21.5%
Tennessee$1,150-$126-9.9%
Texas$1,232-$44-3.4%
Utah$1,134-$142-11.1%
Vermont$912-$364-28.5%
Virginia$920-$356-27.9%
Washington$1,128-$148-11.6%
West Virginia$1,300$241.9%
Wisconsin$1,304$282.2%
Wyoming$1,412$13610.7%

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$344$504$300$1,276
2017 Subaru Forester$328$486$314$1,256
2016 Subaru Forester$316$482$322$1,248
2015 Subaru Forester$304$470$336$1,238
2014 Subaru Forester$294$450$346$1,218
2013 Subaru Forester$278$434$358$1,198
2012 Subaru Forester$266$404$364$1,162
2011 Subaru Forester$256$380$368$1,132
2010 Subaru Forester$246$340$372$1,086
2009 Subaru Forester$230$314$372$1,044
2008 Subaru Forester$222$294$374$1,018
2007 Subaru Forester$216$274$382$1,000
2006 Subaru Forester$200$254$382$964
2005 Subaru Forester$194$230$386$938
2004 Subaru Forester$182$212$382$904
2003 Subaru Forester$170$192$382$872
2002 Subaru Forester$166$172$378$844
2001 Subaru Forester$162$168$372$830
2000 Subaru Forester$160$160$364$812
1999 Subaru Forester$146$152$360$786

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 $330 every year to increase from 30/60 bodily injury limits to a 250/500 level
  • You may be able to save approximately $150 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 $377 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$4,518
20$2,884
30$1,342
40$1,276
50$1,162
60$1,138

Full coverage, $500 deductibles

Rates by Deductible

Subaru Forester Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,648
$250$1,478
$500$1,276
$1,000$1,084

Full coverage, driver age 40

Rates by Liability Limit

Subaru Forester Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,276
50/100$1,452
100/300$1,527
250/500$1,722
100 CSL$1,482
300 CSL$1,647
500 CSL$1,767

Full coverage, driver age 40

Rates for High Risk Drivers

Subaru Forester Insurance Rates for High Risk Drivers
AgePremium
16$6,466
20$4,574
30$2,798
40$2,724
50$2,592
60$2,568

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 $170

Potential Rate Discounts

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

DiscountSavings
Multi-policy$69
Multi-vehicle$63
Homeowner$17
5-yr Accident Free$94
5-yr Claim Free$82
Paid in Full/EFT$60
Advance Quote$62
Online Quote$92
Total Discounts$539
Rate after discounts $737

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

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