Subaru Forester Insurance Rates

The average Subaru Forester insurance rates are $122.17 per month and $1,346 annually. However, many factors impact what it will cost to insure a Subaru Forester. 

For example, the 2017 Subaru Forester insurance costs will be lower than the 2019 Subaru Forester insurance costs because rates decrease as your model ages. Read through our comprehensive guide to secure the best cheap car insurance from a Subaru Forester insurance group.

Ready to decrease how much a Subaru Forester costs you for insurance? Enter your ZIP code into our FREE tool to compare the Subaru Foresters’ insurance rates.

Average insurance rates for a Subaru Forester are $1,326 a year for full coverage. Comprehensive costs approximately $346, collision insurance costs $512, and liability costs around $332. A policy with just liability insurance costs as low as $388 a year, and coverage for high-risk drivers costs around $2,826. Teen drivers receive the highest rates at up to $4,722 a year.

Average premium for full coverage: $1,326

Rate estimates by individual coverage type:

Rates are based on $500 policy deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and for different Forester trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on car insurance rates. Rural locations tend to have lower incidents of accident claims than larger metro areas. The price range example below illustrates the effect of geographic area on auto insurance prices.

These examples show why anyone shopping for car insurance should compare prices using their specific location, instead of making a decision based on price averages.

Use the form below to get customized rates for your location.

More Rate Information

The chart below shows average Subaru Forester insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $768
• Using higher $1,000 deductibles will save $198 a year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,326
• Choosing more expensive low deductibles for physical damage coverage bumps up the cost to $1,698
• High-risk insureds with multiple violations and an at-fault accident could pay around $2,826
• The cost that insures a 16-year-old driver with full coverage can cost $4,722 or more

View Chart as Image

Insurance rates for a Subaru Forester can also vary considerably based on the model year and trim level, how you drive, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you could be paying anywhere from $1,500 to $2,100 additional per year, depending on your age. High-risk driver insurance can be from 44% to 127% more than average. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,200 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,700 a year. View Rates by Age

Where you live has a huge impact on Subaru Forester insurance prices. A driver around age 40 might see rates as low as $870 a year in states like Iowa, Maine, and Idaho, or as much as $1,890 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles could cut rates by as much as $570 annually, while increasing your policy's liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $299 more each year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find the Best Cheap Subaru Forester Insurance

Saving money on insurance for a Subaru Forester requires being a good driver, having a good credit score, eliminating unneeded coverage, and consideration of higher deductibles. Shop around at least once a year by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following list is a quick review of the primary concepts that were covered in the above illustrations.

• Drivers can save around $160 per year just by shopping early and online
• Drivers considered higher risk with a DUI or reckless driving violation could be forced to pay on average $1,500 more per year than a safer driver
• Increasing deductibles can save approximately $575 each year
• Drivers age 16 to 20 are the costliest to insure, costing as high as $394 per month if comprehensive and collision insurance is included

As you can see from the information above, the best car insurance for a Subaru Forester changes depending on many factors. For example, like whether your Subaru Forester is old or new.

How much should you pay for a Subaru Forester? To rephrase the question, how much does a Subaru Forester cost? The Subaru Forester cost to own starts at $25,000. But that means the 2018 Subaru Forester cost to own will be less. Remember to also account for the annual maintenance cost of a Subaru Forester when you are budgeting.

You will get a lower rate if you buy a used Subaru Forester. To lower how much it costs to insure a Subaru Forester on average, enter your ZIP code into our FREE quote comparison tool.

Now let’s look at some factors that play into Subaru cost of ownership and affordable Subaru Forester auto insurance rates. These may include insurance rates by car safety rating or vehicle class.

What are the safety ratings for a Subaru Forester?

We’ve answered your questions about what is the cost of a Subaru Forester for car insurance, now let’s look at safety features.

In hopes of answering the question of is it worth buying a Subaru Forester, we’ve unpacked different Subaru Forester comparison charts. Now let’s look at safety ratings.

A Subaru Forester is not viewed as a high-risk car. In fact, the Subaru Forester’s history proves it’s a reliable and sturdy car model.

Understanding the Subaru Forester safety ratings will help you discover what discounts you qualify for or what may cost you more for insurance. 

Take a look a the Subaru Forester’s safety ratings below:

• Small overlap front (driver-side): Good
• Small overlap front (passenger side): Good
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

Great news for Subaru Forester drivers, the Insurance Institute for Highway Safety deemed the 2020 Subaru Forestor as a top safety pick. Good is the highest possible rating. 

With scores like that, you don’t have to worry if it is more expensive to insure a Subaru Forester than other vehicles. You’ll definitely see some lower premiums with safety ratings as perfect as these.

However, keep in mind that there are different Subaru Forester trims available do impact the safety ratings.

In the table below, check out the Subaru Forester crash test ratings as performed by the National Highway Traffic Safety Administration.

Subaru Forester Crash Test Ratings

A 5-star rating is the highest possible score given by the National Highway Traffic Safety Administration. Overall, the Subaru Forester performed very well.

Subaru Forester Compared to Other Vehicles in the Same Class

Officially, the Insurance Institute for Highway Safety labels the Subaru Forestor as a small SUV. How much does a Forester cost compared to other similar vehicles? 

Check out a few examples below:

• Ford Escape
• Jeep Compass
• Toyota RAV4

Comparing the Subaru Forester to other similar vehicles can help you save money on insurance, especially if your model has a better loss ratio than other small SUVs.

See the Subaru Forester insurance loss probability details in the table below.

Subaru Forester Insurance Loss Probability

The lower the percentage, the better the insurance loss ratio. The collision loss ratio for the Subaru Forester is -34 percent. Property damage liability is -21 percent. Personal injury liability is -24 percent. The medical payment loss ratio is -23 percent. Finally, bodily injury liability is -31 percent. 

Good news. The Subaru Forester has better than average loss ratios in every category except comprehensive coverage, which is average. That’s pretty impressive. Expect to reap the rewards via your Subaru Forester cost for insurance.

The only negative? The Subaru Forester maintenance cost is actually quite high. While Subarus are not expensive to insure, the overall cost to own a Subaru Forester is above average.

You’re now an expert on how much you should pay for a Subaru Forester’s insurance. Before you buy Subaru Forester car insurance, check for cheap car insurance rates near you.

Ready to find out exactly how much is a Subaru Forester to insure in your area? Start immediately comparing cheap Subaru Forester insurance quotes by entering your ZIP code into our FREE tool.