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.

Estimated insurance rates for a Subaru Forester are $1,304 a year with full coverage. Comprehensive costs an estimated $320 a year, collision costs $494, and liability coverage costs around $354. Liability-only insurance costs as low as $406 a year, with high-risk driver insurance costing around $2,798. 16-year-old drivers pay the most at $4,726 a year or more.

Average premium for full coverage: $1,304

Premium estimates broken down by type of coverage:

These estimates include $500 policy deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. states and Forester trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on car insurance rates. More rural locations are statistically proven to have lower incidents of collision claims than congested cities.

The diagram below illustrates the difference between rural and urban areas on insurance prices.

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

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

Additional Rate Details

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

• The best full coverage rate is $753
• Using higher $1,000 deductibles will save approximately $1,120 annually
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,304
• Buying low $100 deductibles for physical damage coverage bumps up the cost to $1,662
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,798 or more
• An auto insurance policy that insures a teenage driver can cost as much as $4,726 or more

View Chart as Image

Insurance prices for a Subaru Forester also have a wide range based on the trim level of your Forester, your age and driving habits, and liability limits and deductibles.

If you have a few violations or you caused an accident, you may be forking out $1,500 to $2,100 additional annually, depending on your age. A high-risk auto insurance policy can be around 44% to 129% more than the average rate. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay at least $4,700 a year. View Rates by Age

Where you choose to live has a huge impact on Subaru Forester insurance rates. A driver around age 40 might see prices as low as $940 a year in states like Utah, Ohio, and New Hampshire, or at least $1,760 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $550 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 up to $318 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out which insurance company is cheapest is to get quotes and see how they stack up. Each insurance company utilizes a different rate formula, and prices will be substantially 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 Cheap Subaru Forester Insurance

Finding better rates on auto insurance requires being a good driver, having a good credit score, being claim-free, and maximizing policy discounts. Comparison shop at least every other year by requesting rates from direct companies, and also from insurance agencies where you live.

The following list is a brief summary of the car insurance concepts covered above.

• Drivers that tend to have accidents or serious violations could be forced to pay on average $1,490 more annually than a safer driver
• You may be able to save approximately $160 per year simply by quoting early and online
• Increasing policy deductibles can save approximately $550 each year
• Consumers who want an increased level of liability coverage will pay around $390 every year to increase from 30/60 bodily injury limits 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.