Subaru Forester Insurance Rates
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UPDATED: Jun 6, 2023
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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.
The average auto insurance rates for a Subaru Forester are $1,226 annually with full coverage. Comprehensive costs approximately $282 each year, collision costs $424, and liability costs $384. Liability-only insurance costs as little as $432 a year, with high-risk driver insurance costing around $2,632. 16-year-old drivers cost the most to insure at $4,532 a year or more.
Average premium for full coverage: $1,226
Policy rates by type of insurance:
Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and Forester models.
Price Range Variability
For the average driver, Subaru Forester insurance rates go from as cheap as $432 for just liability coverage to a high rate of $2,632 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Your location can have significant affects on the price of insurance. Rural locations are shown to have fewer collision claims than congested cities.
The graphic below illustrates how location impacts auto insurance prices.
The examples above demonstrate why all drivers should compare rates using their specific location and their own personal driving habits, 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 estimated Subaru Forester insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $713
- Drivers who choose higher $1,000 deductibles will pay $160 annually
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,226
- Buying low deductibles for comprehensive and collision insurance will cost $1,534
- Higher-risk drivers with multiple tickets or accidents could pay around $2,632 or more
- Policy cost with full coverage for a teen driver can cost $4,532 a year
Auto insurance rates for a Subaru Forester also range considerably based on the model year and trim level, your driving record, and physical damage deductibles and liability limits.
More mature drivers with a good driving record and high physical damage deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay in the ballpark of $4,500 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you may be forking out anywhere from $1,400 to $2,000 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost as much as 44% to 128% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $470 every year, whereas increasing liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $345 extra every year. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Subaru Forester insurance prices. A 40-year-old driver could pay as low as $880 a year in states like Utah, Ohio, and New Hampshire, or at least $1,650 on average in New York, Michigan, and Florida.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,106 | -$120 | -9.8% |
Alaska | $940 | -$286 | -23.3% |
Arizona | $1,016 | -$210 | -17.1% |
Arkansas | $1,226 | -$0 | 0.0% |
California | $1,396 | $170 | 13.9% |
Colorado | $1,168 | -$58 | -4.7% |
Connecticut | $1,256 | $30 | 2.4% |
Delaware | $1,384 | $158 | 12.9% |
Florida | $1,530 | $304 | 24.8% |
Georgia | $1,132 | -$94 | -7.7% |
Hawaii | $880 | -$346 | -28.2% |
Idaho | $830 | -$396 | -32.3% |
Illinois | $912 | -$314 | -25.6% |
Indiana | $924 | -$302 | -24.6% |
Iowa | $826 | -$400 | -32.6% |
Kansas | $1,162 | -$64 | -5.2% |
Kentucky | $1,672 | $446 | 36.4% |
Louisiana | $1,812 | $586 | 47.8% |
Maine | $756 | -$470 | -38.3% |
Maryland | $1,010 | -$216 | -17.6% |
Massachusetts | $976 | -$250 | -20.4% |
Michigan | $2,126 | $900 | 73.4% |
Minnesota | $1,028 | -$198 | -16.2% |
Mississippi | $1,466 | $240 | 19.6% |
Missouri | $1,086 | -$140 | -11.4% |
Montana | $1,314 | $88 | 7.2% |
Nebraska | $964 | -$262 | -21.4% |
Nevada | $1,470 | $244 | 19.9% |
New Hampshire | $882 | -$344 | -28.1% |
New Jersey | $1,368 | $142 | 11.6% |
New Mexico | $1,084 | -$142 | -11.6% |
New York | $1,288 | $62 | 5.1% |
North Carolina | $704 | -$522 | -42.6% |
North Dakota | $1,004 | -$222 | -18.1% |
Ohio | $842 | -$384 | -31.3% |
Oklahoma | $1,256 | $30 | 2.4% |
Oregon | $1,122 | -$104 | -8.5% |
Pennsylvania | $1,166 | -$60 | -4.9% |
Rhode Island | $1,632 | $406 | 33.1% |
South Carolina | $1,110 | -$116 | -9.5% |
South Dakota | $1,034 | -$192 | -15.7% |
Tennessee | $1,072 | -$154 | -12.6% |
Texas | $1,476 | $250 | 20.4% |
Utah | $906 | -$320 | -26.1% |
Vermont | $836 | -$390 | -31.8% |
Virginia | $732 | -$494 | -40.3% |
Washington | $946 | -$280 | -22.8% |
West Virginia | $1,124 | -$102 | -8.3% |
Wisconsin | $846 | -$380 | -31.0% |
Wyoming | $1,090 | -$136 | -11.1% |
Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to do a rate comparison and see which company has the best rate. Every company utilizes a different rate formula, and quoted rates will be varied between companies.
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Subaru Forester X AWD | $1,154 | $96 |
Subaru Forester X Premium AWD | $1,190 | $99 |
Subaru Forester X Premium AWP AWD | $1,190 | $99 |
Subaru Forester X Limited Edition AWD | $1,226 | $102 |
Subaru Forester X Limited Edition W/Navigation AWD | $1,262 | $105 |
Subaru Forester XT AWD | $1,262 | $105 |
Subaru Forester XT Limited Edition AWD | $1,286 | $107 |
Subaru Forester XT Limited Edition W/Navigation AWD | $1,322 | $110 |
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.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2018 Subaru Forester | $282 | $424 | $384 | $1,226 |
2016 Subaru Forester | $258 | $358 | $390 | $1,142 |
2015 Subaru Forester | $242 | $330 | $390 | $1,098 |
2014 Subaru Forester | $234 | $310 | $394 | $1,074 |
2012 Subaru Forester | $210 | $268 | $402 | $1,016 |
2011 Subaru Forester | $206 | $244 | $406 | $992 |
2010 Subaru Forester | $192 | $222 | $402 | $952 |
2009 Subaru Forester | $180 | $202 | $402 | $920 |
2008 Subaru Forester | $174 | $182 | $398 | $890 |
2007 Subaru Forester | $172 | $178 | $390 | $876 |
2006 Subaru Forester | $168 | $168 | $384 | $856 |
2005 Subaru Forester | $154 | $160 | $380 | $830 |
2004 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 Buy More Affordable Subaru Forester Insurance
Finding cheaper rates on car insurance not only requires being a good driver, but also having above-average credit, not filing small claims, and not having any coverage lapses. Spend time shopping around once a year by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following list is a summary of the data that was touched on above.
- You may be able to save around $150 per year simply by quoting online in advance
- Policyholders who purchase an increased level of liability coverage will pay around $420 every year to go from a 30/60 limit to higher 250/500 limits
- Drivers age 16 to 20 have the highest car insurance rates, as much as $378 each month if full coverage is included
- Higher risk drivers who have multiple accidents or major violations may pay on average $1,410 more per year than a safer driver
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.
Vehicle Tested | Overall | Frontal | Side | Rollover |
---|---|---|---|---|
2020 Subaru Forester SUV AWD | 5 stars | 5 stars | 5 stars | 4 stars |
2019 Subaru Forester SUV AWD | 5 stars | 5 stars | 5 stars | 4 stars |
2018 Subaru Forester SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
2017 Subaru Forester SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
2016 Subaru Forester SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
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.
Insurance Coverage Category | Loss Rate |
---|---|
Collision | -34% |
Property Damage | -21% |
Comprehensive | -15% |
Personal Injury | -24% |
Medical Payment | -23% |
Bodily Injury | -31% |
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.
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $4,532 |
20 | $2,786 |
30 | $1,274 |
40 | $1,226 |
50 | $1,118 |
60 | $1,096 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,534 |
$250 | $1,392 |
$500 | $1,226 |
$1,000 | $1,066 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,226 |
50/100 | $1,399 |
100/300 | $1,495 |
250/500 | $1,744 |
100 CSL | $1,437 |
300 CSL | $1,648 |
500 CSL | $1,802 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $6,464 |
20 | $4,432 |
30 | $2,686 |
40 | $2,632 |
50 | $2,506 |
60 | $2,482 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
Discount | Savings |
---|---|
Multi-policy | $65 |
Multi-vehicle | $63 |
Homeowner | $19 |
5-yr Accident Free | $87 |
5-yr Claim Free | $79 |
Paid in Full/EFT | $54 |
Advance Quote | $59 |
Online Quote | $87 |
Total Discounts | $513 |
Discounts are estimated and may not be available from every company or in every state.
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