Subaru Forester XT AWD Insurance Rates

The average insurance rates for a Subaru Forester XT AWD are $1,400 a year for full coverage insurance. Comprehensive costs on average $382, collision costs $572, and liability costs $310. A liability-only policy costs as little as $370 a year, with high-risk insurance costing around $2,982. Teenage drivers cost the most to insure at $4,908 a year or more.

Annual premium for full coverage: $1,400

Policy rates by type of insurance:

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

Price Range for Insurance for this Subaru Forester Trim Level

Urban vs. Rural Price Range

Your location can make a big difference on insurance rates. Rural areas are shown to have lower incidents of physical damage claims than densely populated cities.

The price range example below illustrates how geographic area affects car insurance rates.

These price differences illustrate why anyone shopping for car insurance should compare rates based on a specific location, instead of making a decision based on average rates.

Use the form below to get rates for your location.

Car insurance rates for a Subaru Forester XT AWD also range considerably based on the model year, your age and driving record, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are probably paying at a minimum $1,600 to $2,200 extra every year, depending on your age. High-risk driver insurance can cost from 45% to 128% more than a normal policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Prices are much higher for teenagers, since even teens with perfect driving records will be charged upwards of $4,900 a year. View Rates by Age

Your home state makes a big difference in Subaru Forester XT AWD insurance prices. A 40-year-old driver could pay as low as $1,180 a year in states like North Carolina, , and , or be forced to pay as much as $1,800 on average in Michigan, Montana, and California. Rates by state and city are shown later in the article.

Using high physical damage deductibles could save up to $640 annually, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise prices by up to $279 extra every 12 months. View Rates by Deductible or Liability Limit

Because prices have so much variability, the only way to figure out exactly what you will pay is to compare prices from multiple companies. Every company uses a different method to calculate prices, so rate quotes will be varied.

View Chart as Image

The chart estimates Subaru Forester XT AWD insurance prices for different risks and coverage choices. The cheapest discount price is $805. Drivers who use higher $1,000 deductibles will pay $1,182. The average price for a 40-year-old male driver using $500 deductibles is $1,400. Using more expensive $100 deductibles for physical damage coverage can cost as much as $1,816. Drivers with multiple violations and accidents could be charged around $2,982. The price for full coverage insurance for a teen driver is $4,908.

View Chart as Image