Subaru Forester X Premium AWD Insurance Rates

U.S. average insurance prices for a Subaru Forester X Premium AWD are $1,308 every 12 months with full coverage. Comprehensive costs approximately $354 each year, collision insurance costs $508, and liability coverage costs around $310. Just liability insurance costs as low as $370 a year, and coverage for high-risk drivers costs around $2,782. Teenage drivers pay the highest rates at up to $4,618 a year.

Annual premium for full coverage: $1,308

Price estimates by individual coverage:

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

Price Range for Insurance for this Subaru Forester Trim Level

Geographic Price Range

Where you live has a large influence on the price of insurance. Rural locations have more infrequent collision claims than densely populated cities. The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

These price ranges demonstrate why all drivers should compare prices using their specific location and their own driving history, rather than using average rates.

Use the form below to get rates for your location.

Insurance rates for a Subaru Forester X Premium AWD are also quite variable based on deductibles and policy limits, your driving record, and the replacement cost of your Forester.

Using high physical damage deductibles could cut rates by as much as $580 a year, whereas increasing liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will increase rates by as much as $279 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may only pay around $1,200 a year for full coverage. Rates are much higher for teenage drivers, since even excellent drivers can expect to pay in the ballpark of $4,600 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out anywhere from $1,500 to $2,000 extra each year, depending on your age. Insurance for high-risk drivers can be around 43% to 129% more than a normal policy. View High Risk Driver Rates

The state you live in has a huge impact on Subaru Forester X Premium AWD insurance rates. A driver around age 40 might see rates as low as $970 a year in states like Vermont, Ohio, and Indiana, or be forced to pay as much as $1,790 on average in Montana, Michigan, and New Jersey. Rates by state and city are shown later in the article.

Since rates can be so different, the best way to find out which auto insurance is cheapest is to do a rate comparison and see how they stack up. Each insurance company uses a different method to calculate rates, so the rates may be quite different.

View Chart as Image

The chart above shows Subaru Forester X Premium AWD insurance rates for various coverage choices and risks. The cheapest rate with discounts is $760. Drivers who use higher $1,000 deductibles will pay $1,112. The average rate for a middle-aged driver with a clean driving record using $500 deductibles is $1,308. Using lower $100 deductibles for comp and collision coverage could cost up to $1,684. Drivers with multiple violations and accidents could be charged at least $2,782. The policy rate for full coverage insurance for a teenager can be as high as $4,618.

View Chart as Image