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.

Estimated insurance rates for a Subaru Forester are $1,312 a year for full coverage insurance. Comprehensive costs on average $332, collision insurance costs $506, and liability costs around $338. A liability-only policy costs as low as $394 a year, and high-risk insurance costs around $2,810. Teen drivers pay the most at up to $4,720 a year.

Average premium for full coverage: $1,312

Premium estimates by type of coverage:

Includes $500 deductible amounts, 30/60 split liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and for different Forester trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on insurance rates. Rural areas are statistically proven to have a lower frequency of physical damage claims than larger metro areas. The price range example below illustrates the effect of geographic area on car insurance rates.

These rate differences illustrate why anyone shopping for car insurance should compare prices based on a specific location and risk profile, instead of using price averages.

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

More Rate Details

The chart below illustrates average Subaru Forester insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $757
• Using higher $1,000 deductibles will save around $190 each year
• The average rate for a 40-year-old good driver with $500 deductibles is $1,312
• Choosing more expensive low deductibles for physical damage coverage will increase the cost to $1,678
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,810
• An auto insurance policy for full coverage for a teen driver with full coverage may cost $4,720 or more

View Chart as Image

Auto insurance prices for a Subaru Forester also have a wide range based on your driving characteristics, the model year and trim level, and policy deductibles and limits.

An older driver with a good driving record and high deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay upwards of $4,700 a year. View Rates by Age

Where you choose to live has a huge impact on Subaru Forester insurance prices. A driver around age 40 might see prices as low as $860 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,770 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles could cut prices by as much as $560 every year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost up to $304 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying at a minimum $1,500 to $2,100 in extra premium annually, depending on your age. High-risk driver insurance can be as much as 44% to 128% more than average. View High Risk Driver Rates

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 Cheapest Subaru Forester Insurance

Finding better rates on car insurance requires having a good driving record, having good credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Take the time to compare rates at least every other year by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The next list is a recap of the car insurance concepts covered in the above illustrations.

• Higher risk drivers that have major violations or accidents pay an average of $1,500 more each year to buy Subaru Forester insurance
• It is possible to save as much as $160 per year just by shopping early and online
• Increasing policy deductibles can save around $550 each year
• Policyholders who require increased levels of liability coverage will pay about $370 annually to increase from 30/60 bodily injury limits to 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.