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 auto insurance rates for a Subaru Forester are $1,312 annually for full coverage insurance. Comprehensive costs approximately $332, collision costs $506, and liability insurance is $338. Liability-only coverage costs around $394 a year, with high-risk coverage costing around $2,810. Teenage drivers receive the highest rates at $4,720 a year or more.

Average premium for full coverage: $1,312

Rate estimates by individual coverage type:

Full coverage includes $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and for different Forester trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on the price of auto insurance. Rural locations tend to have fewer physical damage claims than densely populated cities.

The price range example below illustrates how rural and urban location affects auto insurance prices.

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

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

More Rate Information

The chart below illustrates estimated Subaru Forester insurance rates for additional coverage and risk scenarios.

• The best discount rate is $757
• Raising to $1,000 deductibles will save $190 each year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,312
• Using more expensive low deductibles will cost $1,678
• Higher-risk drivers who are prone to accidents and violations could pay around $2,810 or more
• The cost with full coverage for a teen driver with full coverage can cost $4,720

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Car insurance rates for a Subaru Forester can also vary considerably based on the trim level of your Forester, your risk profile, and physical damage deductibles and liability limits.

An older driver with no driving violations and high physical damage deductibles could pay as little as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged in the ballpark of $4,700 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying anywhere from $1,500 to $2,100 extra per year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 44% to 128% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $560 each year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $304 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Subaru Forester insurance rates. A middle-age driver might find rates as low as $860 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,770 on average in Florida, New York, and Michigan.

View Chart as Image

With so much variability in rates, the only way to figure out who has the best car insurance rates is to compare rates from as many companies as possible. Every auto insurance company uses a different method to calculate rates, so rate quotes can be significantly different between companies.

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 Buy More Affordable Subaru Forester Insurance

Saving money on Subaru Forester insurance consists of being a low-risk driver, having a good credit score, avoid buying unnecessary coverage, and avoiding coverage lapses. Set aside time to shop around every time your policy renews by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The items below are a summary of the information raised in the charts and tables above.

• It is possible to save around $160 per year simply by shopping early and online
• Teen drivers pay the highest auto insurance rates, costing up to $393 per month if comprehensive and collision insurance is included
• Increasing deductibles could save up to $550 each year
• High-risk drivers who have multiple accidents or major violations could be forced to pay on average $1,500 more per year to insure their Forester
• Drivers who purchase more liability coverage will pay an extra $370 annually to raise from a minimum limit to higher 250/500 limits

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.