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 auto insurance rates for a Subaru Forester are $1,312 annually including full coverage. Comprehensive costs on average $332, collision insurance costs $506, and liability coverage is $338. Liability-only insurance costs around $394 a year, and high-risk driver insurance costs around $2,810. 16-year-old drivers pay the most at up to $4,720 a year.

Average premium for full coverage: $1,312

Premium estimates by type of coverage:

These estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and for different Forester trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. Rural areas are statistically proven to have fewer comprehensive and collision claims than congested cities. The price range example below illustrates how where you live affects car insurance rates.

These rate differences highlight why anyone shopping for car insurance should compare rates quotes based on a specific location and their own personal driving habits, rather than using rate averages.

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

Additional Rate Details

The chart below breaks down average Subaru Forester insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $757
• Raising to $1,000 deductibles will save around $190 every year
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,312
• Buying more expensive low deductibles will cost $1,678
• Unlucky drivers with multiple tickets or accidents could pay upwards of $2,810
• An auto insurance policy with full coverage for a teenage driver with full coverage may cost $4,720

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Insurance prices for a Subaru Forester also have a wide range based on the model of your Forester, your driving characteristics, and policy deductibles and limits.

An older driver with no violations or accidents and high physical damage deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay upwards of $4,700 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying at a minimum $1,500 to $2,100 additional annually, depending on your age. High-risk driver insurance is expensive and can cost around 44% to 128% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce prices by up to $560 a year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $304 more each year. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Subaru Forester insurance rates. A middle-age driver might find prices as low as $1,010 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,870 on average in Michigan, New York, and Louisiana.

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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 Buy Cheap Subaru Forester Insurance

Finding better rates on auto insurance consists of not taking risks behind the wheel, having good credit, refrain from filing small claims, and dropping full coverage on older vehicles. Take the time to comparison shop at every other renewal by requesting rates from direct car insurance companies, and also from several local insurance agents.

The following is a brief summary of the concepts that were touched on in the above illustrations.

• Drivers that tend to have accidents or serious violations pay on average $1,500 more each year for Forester insurance
• Teens pay higher prices, with the cost nearing $393 per month if they have full coverage
• You may be able to save as much as $160 per year just by shopping early and online
• Increasing policy deductibles could save up to $550 each year
• You may be able to save as much as $160 per year just by shopping early and online

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.