Subaru Forester XT Limited Edition AWD Insurance Rates

U.S. average insurance rates for a Subaru Forester XT Limited Edition AWD are $1,432 a year with full coverage. Comprehensive costs on average $382, collision costs $604, and liability costs $310. Buying just liability costs as little as $370 a year, with insurance for high-risk drivers costing around $3,060. Teenage drivers pay the highest rates at $5,032 a year or more.

Annual premium for full coverage: $1,432

Price estimates by type of 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

Your location can have significant affects on auto insurance rates. Rural areas have lower incidents of collision claims than densely populated cities.

The example below illustrates how rural and urban location affects car insurance rates.

These price ranges demonstrate why everyone should compare rates based on a specific location, instead of using average rates.

Use the form below to get rates for your location.

Insurance prices for a Subaru Forester XT Limited Edition AWD are also quite variable based on the replacement cost of your Forester, your age and driving habits, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you may be forking out at a minimum $1,700 to $2,200 additional each year, depending on your age. Subaru Forester XT Limited Edition AWD insurance for high-risk drivers can cost as much as 44% to 133% more than a normal policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay upwards of $5,000 a year. View Rates by Age

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

Using high physical damage deductibles could save up to $660 every year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase rates by as much as $279 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out exactly what you will pay is to regularly compare prices and see which company has the best price. Every company uses a different method to calculate prices, and rates may be quite different.

View Chart as Image

The chart above shows Subaru Forester XT Limited Edition AWD insurance prices for different risks and coverage choices. The best price after discounts is $819. Drivers who use higher $1,000 deductibles will pay $1,206. The average price for a 40-year-old male driver using $500 deductibles is $1,432. Selecting more expensive $100 deductibles for comp and collision coverage can cost as much as $1,862. Drivers with multiple violations and accidents could be charged at least $3,060. The rate for full coverage insurance for a teen driver is $5,032.

View Chart as Image