Subaru Forester XT Limited Edition W/Navigation AWD Insurance Rates

U.S. average auto insurance rates for a Subaru Forester XT Limited Edition W/Navigation AWD are $1,476 annually including full coverage. Comprehensive insurance costs approximately $396, collision insurance costs $634, and liability insurance costs $310. Buying just liability costs as little as $370 a year, and insurance for high-risk drivers costs $3,160 or more. Teenage drivers pay the highest rates at up to $5,174 a year.

Annual premium for full coverage: $1,476

Price estimates 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

These price ranges highlight why anyone shopping for car insurance should compare rates using their specific location and their own personal driving habits, rather than relying on average rates.

Use the form below to get rates for your location.

Insurance prices for a Subaru Forester XT Limited Edition W/Navigation AWD are also quite variable based on the actual cash value of your Forester, your driving characteristics, and physical damage deductibles and liability limits.

An older driver with no violations or accidents and high physical damage deductibles could pay as little as $1,400 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,100 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying anywhere from $1,700 to $2,300 additional each year, depending on your age. High-risk driver insurance can cost anywhere from 44% to 129% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $690 each year, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase rates by as much as $279 more each year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Subaru Forester XT Limited Edition W/Navigation AWD insurance rates. A 40-year-old driver could pay as low as $1,060 a year in states like North Carolina, Indiana, and , or be forced to pay as much as $1,950 on average in Louisiana, Montana, and Michigan. Rates by state and city are shown later in the article.

Since prices can be so different, the best way to figure out which car insurance is cheapest is to compare prices from as many companies as possible. Every company uses a different method to calculate prices, and rates may be quite different between companies.

View Chart as Image

The chart above shows average Subaru Forester XT Limited Edition W/Navigation AWD insurance prices for various situations. The lowest price with discounts is $842. Drivers who use higher $1,000 deductibles will pay about $1,244. The average price for a middle-aged driver with a clean driving record using $500 deductibles is $1,476. Using more expensive $100 deductibles for collision and other-than-collision coverage can cost as much as $1,928. Drivers with multiple violations and accidents could be charged at least $3,160. The price for full coverage for a teenager is $5,174.

View Chart as Image