Subaru Forester X Limited Edition W/Navigation AWD Insurance Rates

Estimated insurance rates for a Subaru Forester X Limited Edition W/Navigation AWD are $1,400 a year for full coverage. Comprehensive costs approximately $382 a year, collision costs $572, and liability costs around $310. Liability-only insurance costs as low as $370 a year, with high-risk driver insurance costing around $2,982. Teen drivers pay the most at $4,908 a year or more.

Annual premium for full coverage: $1,400

Premium estimates by individual coverage type:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Subaru Forester Trim Level

Insurance Price Range by Location

Where you live can make a big difference on car insurance rates. Rural locations are statistically proven to have lower incidents of accident claims than larger metro areas.

The diagram below illustrates how rural and urban location affects auto insurance prices.

These rate differences show why it is important for drivers to compare prices using their specific location, instead of making a decision based on price averages.

Use the form below to get rates for your location.

Insurance prices for a Subaru Forester X Limited Edition W/Navigation AWD also have a wide range based on the model year of your Forester, how you drive, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you could be paying anywhere from $1,600 to $2,200 additional annually, depending on your age. A high-risk auto insurance policy can be from 45% to 128% more than average. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,300 a year, or $108 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 in the ballpark of $4,900 a year. View Rates by Age

Where you choose to live has a huge impact on Subaru Forester X Limited Edition W/Navigation AWD insurance prices. A driver around age 40 might see prices as low as $900 a year in states like Iowa, Maine, and Idaho, or as much as $1,950 on average in Montana, Louisiana, and Michigan. Rates by state and city are shown later in the article.

Choosing high deductibles could cut prices by as much as $640 annually, while buying higher liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $279 more each year. View Rates by Deductible or Liability Limit

With such a large range of prices, the only way to know which insurance company is cheapest is to get quotes from multiple companies. Each insurance company uses a different rate calculation, and rates will be substantially different.

View Chart as Image

Chart shows Subaru Forester X Limited Edition W/Navigation AWD insurance prices for different risks and coverage choices. The cheapest discount price is $805. Drivers who choose higher $1,000 deductibles will pay $1,182. The average price for a middle-aged driver with a clean driving record using $500 deductibles is $1,400. Choosing low $100 deductibles for comprehensive and collision insurance could cost up to $1,816. High risk drivers could be charged up to $2,982. The cost for full coverage insurance for a teenager can be as high as $4,908.

View Chart as Image