Subaru Forester X Premium AWP AWD Insurance Rates

Average insurance rates for a Subaru Forester X Premium AWP AWD are $1,308 a year with full coverage. Comprehensive insurance costs an estimated $354 each year, collision costs $508, and liability costs $310. Buying just liability costs as little as $370 a year, with insurance for high-risk drivers costing $2,782 or more. Teen drivers receive the highest rates at $4,618 a year or more.

Annual premium for full coverage: $1,308

Rate estimates broken down 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

These differences demonstrate why all drivers should compare rates for a targeted area and risk profile, instead of making a decision based on price averages.

Use the form below to get rates for your location.

Auto insurance rates for a Subaru Forester X Premium AWP AWD can also vary considerably based on your driver profile, the actual cash value of your Forester, and liability limits and deductibles.

More mature drivers with a good driving record and high deductibles may pay as low as $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay at least $4,600 a year. View Rates by Age

Where you live makes a big difference in Subaru Forester X Premium AWP AWD insurance prices. A 40-year-old driver could pay as low as $970 a year in states like Vermont, Ohio, and Indiana, or as much as $1,790 on average in Montana, Michigan, and New Jersey. Rates by state and city are shown later in the article.

Choosing high deductibles could save up to $580 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost as much as $279 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out $1,500 to $2,000 in extra premium per year, depending on your age. Insurance for high-risk drivers can cost from 43% to 129% more than average. View High Risk Driver Rates

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to do a rate comparison from multiple companies. Every company uses a different rate calculation, and quoted rates can be significantly different from one company to the next.

View Chart as Image

The chart above shows Subaru Forester X Premium AWP AWD insurance rates for different risk profiles and scenarios. The cheapest discount rate is $760. Drivers who choose higher $1,000 deductibles will pay around $1,112. The average rate for a driver around age 40 using $500 deductibles is $1,308. Using lower $100 deductibles for comp and collision coverage can cost as much as $1,684. High risk drivers could be charged as much as $2,782. The policy rate for full coverage for a teenage driver is $4,618.

View Chart as Image