Subaru Forester Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 6, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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.
Average insurance rates for a Subaru Forester are $1,312 a year for full coverage. Comprehensive costs on average $332, collision insurance costs $506, and liability coverage costs around $338. Buying just liability costs as low as $394 a year, and insurance for high-risk drivers costs around $2,810. Teen drivers receive the highest rates at up to $4,720 a year.
Average premium for full coverage: $1,312
Rate estimates by individual coverage type:
Estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Rates are averaged for all states and for all Forester models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range range from the low end price of $394 for the bare minimum liability coverage to the much higher price of $2,810 for a policy for a high-risk driver.
Price Range by Location
Where you live has a large influence on car insurance rates. Rural areas tend to have lower incidents of accident claims than larger metro areas. The example below illustrates how rural and urban location affects car insurance rates.
These examples show why everyone should compare prices based on a specific location, rather than using price 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.
Additional Rate Information
The chart below shows average Subaru Forester insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $757
- Using higher $1,000 deductibles will save around $190 a year
- The estimated price for a 40-year-old driver with $500 deductibles is $1,312
- Choosing pricier low deductibles for physical damage coverage bumps up the cost to $1,678
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,810
- The cost that insures a teenage driver for full coverage may cost $4,720 or more
Auto insurance rates for a Subaru Forester can also vary considerably based on the model of your Forester, how you drive, and policy deductibles and limits.
If you like to drive fast or you caused an accident, you could be paying at a minimum $1,500 to $2,100 in extra premium per year, depending on your age. Subaru Forester insurance for high-risk drivers can be around 44% to 128% more than average. View High Risk Driver Rates
A more mature driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,200 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay upwards of $4,700 a year. View Rates by Age
Where you live has a huge impact on Subaru Forester insurance rates. A driver around age 40 might see rates as low as $870 a year in states like Idaho, Maine, and Iowa, or as much as $1,870 on average in Michigan, Louisiana, and New York.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,186 | -$126 | -9.6% |
Alaska | $1,006 | -$306 | -23.3% |
Arizona | $1,090 | -$222 | -16.9% |
Arkansas | $1,312 | -$0 | 0.0% |
California | $1,496 | $184 | 14.0% |
Colorado | $1,252 | -$60 | -4.6% |
Connecticut | $1,346 | $34 | 2.6% |
Delaware | $1,486 | $174 | 13.3% |
Florida | $1,640 | $328 | 25.0% |
Georgia | $1,212 | -$100 | -7.6% |
Hawaii | $944 | -$368 | -28.0% |
Idaho | $890 | -$422 | -32.2% |
Illinois | $978 | -$334 | -25.5% |
Indiana | $990 | -$322 | -24.5% |
Iowa | $884 | -$428 | -32.6% |
Kansas | $1,248 | -$64 | -4.9% |
Kentucky | $1,790 | $478 | 36.4% |
Louisiana | $1,944 | $632 | 48.2% |
Maine | $810 | -$502 | -38.3% |
Maryland | $1,084 | -$228 | -17.4% |
Massachusetts | $1,048 | -$264 | -20.1% |
Michigan | $2,278 | $966 | 73.6% |
Minnesota | $1,100 | -$212 | -16.2% |
Mississippi | $1,574 | $262 | 20.0% |
Missouri | $1,164 | -$148 | -11.3% |
Montana | $1,408 | $96 | 7.3% |
Nebraska | $1,034 | -$278 | -21.2% |
Nevada | $1,574 | $262 | 20.0% |
New Hampshire | $948 | -$364 | -27.7% |
New Jersey | $1,466 | $154 | 11.7% |
New Mexico | $1,162 | -$150 | -11.4% |
New York | $1,382 | $70 | 5.3% |
North Carolina | $756 | -$556 | -42.4% |
North Dakota | $1,076 | -$236 | -18.0% |
Ohio | $904 | -$408 | -31.1% |
Oklahoma | $1,346 | $34 | 2.6% |
Oregon | $1,202 | -$110 | -8.4% |
Pennsylvania | $1,252 | -$60 | -4.6% |
Rhode Island | $1,750 | $438 | 33.4% |
South Carolina | $1,190 | -$122 | -9.3% |
South Dakota | $1,108 | -$204 | -15.5% |
Tennessee | $1,148 | -$164 | -12.5% |
Texas | $1,582 | $270 | 20.6% |
Utah | $972 | -$340 | -25.9% |
Vermont | $896 | -$416 | -31.7% |
Virginia | $786 | -$526 | -40.1% |
Washington | $1,014 | -$298 | -22.7% |
West Virginia | $1,202 | -$110 | -8.4% |
Wisconsin | $906 | -$406 | -30.9% |
Wyoming | $1,170 | -$142 | -10.8% |
Choosing high deductibles could cut rates by as much as $560 a year, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $304 extra every year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Subaru Forester X AWD | $1,228 | $102 |
Subaru Forester X Premium AWD | $1,272 | $106 |
Subaru Forester X Premium AWP AWD | $1,272 | $106 |
Subaru Forester X Limited Edition AWD | $1,312 | $109 |
Subaru Forester X Limited Edition W/Navigation AWD | $1,354 | $113 |
Subaru Forester XT AWD | $1,354 | $113 |
Subaru Forester XT Limited Edition AWD | $1,384 | $115 |
Subaru Forester XT Limited Edition W/Navigation AWD | $1,426 | $119 |
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.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2024 Subaru Forester | $346 | $512 | $332 | $1,326 |
2023 Subaru Forester | $332 | $506 | $338 | $1,312 |
2022 Subaru Forester | $320 | $494 | $354 | $1,304 |
2021 Subaru Forester | $310 | $474 | $364 | $1,284 |
2020 Subaru Forester | $292 | $458 | $376 | $1,262 |
2019 Subaru Forester | $282 | $424 | $384 | $1,226 |
2018 Subaru Forester | $270 | $400 | $388 | $1,194 |
2017 Subaru Forester | $258 | $358 | $390 | $1,142 |
2016 Subaru Forester | $242 | $330 | $390 | $1,098 |
2015 Subaru Forester | $234 | $310 | $394 | $1,074 |
2014 Subaru Forester | $228 | $288 | $402 | $1,054 |
2013 Subaru Forester | $210 | $268 | $402 | $1,016 |
2012 Subaru Forester | $206 | $244 | $406 | $992 |
2011 Subaru Forester | $192 | $222 | $402 | $952 |
2010 Subaru Forester | $180 | $202 | $402 | $920 |
2009 Subaru Forester | $174 | $182 | $398 | $890 |
2008 Subaru Forester | $172 | $178 | $390 | $876 |
2007 Subaru Forester | $168 | $168 | $384 | $856 |
2006 Subaru Forester | $154 | $160 | $380 | $830 |
2005 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 Find Low Cost Subaru Forester Insurance
Saving money on auto insurance requires having a decent driving record, maintaining a good credit score, eliminating unneeded coverage, and deciding if full coverage is necessary. Shop around every year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The following items are a review of the coverage data raised in the charts and tables above.
- Drivers can save as much as $160 per year just by quoting online well ahead of the renewal date
- Increasing deductibles can save approximately $550 each year
- 16 to 18-year-old drivers are charged the highest rates, costing as high as $393 per month if the policy includes full coverage
- Drivers who have several accidents or serious violations may pay on average $1,500 more each year than a driver with a clean driving record
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.
Compare Quotes From Top Companies and SaveFree Car Insurance Comparison
Secured with SHA-256 Encryption
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 RatingsVehicle 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.
Subaru Forester Insurance Loss ProbabilityInsurance 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 | $4,720 |
20 | $2,980 |
30 | $1,376 |
40 | $1,312 |
50 | $1,196 |
60 | $1,174 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,678 |
$250 | $1,510 |
$500 | $1,312 |
$1,000 | $1,122 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,312 |
50/100 | $1,494 |
100/300 | $1,578 |
250/500 | $1,798 |
100 CSL | $1,527 |
300 CSL | $1,713 |
500 CSL | $1,849 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $6,748 |
20 | $4,728 |
30 | $2,880 |
40 | $2,810 |
50 | $2,674 |
60 | $2,650 |
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 | $71 |
Multi-vehicle | $66 |
Homeowner | $19 |
5-yr Accident Free | $96 |
5-yr Claim Free | $84 |
Paid in Full/EFT | $61 |
Advance Quote | $64 |
Online Quote | $94 |
Total Discounts | $555 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area