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.

The average insurance rates for a Subaru Forester are $1,326 a year including full coverage. Comprehensive costs an estimated $346, collision costs $512, and liability insurance is estimated at $332. Liability-only coverage costs approximately $388 a year, with high-risk coverage costing around $2,826. Teenage drivers cost the most to insure at $4,722 a year or more.

Average premium for full coverage: $1,326

Policy rates broken down by type of insurance:

Includes $500 physical damage deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and for different Forester trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than densely populated cities.

The price range example below illustrates how location impacts insurance prices.

The examples above highlight why anyone shopping for car insurance should get quotes for a targeted area and risk profile, rather than relying on average rates.

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

Rates by State, City, and Model

The chart below breaks down estimated Subaru Forester insurance rates for other coverage scenarios.

• The best discount rate is $768
• Choosing higher $1,000 deductibles can save approximately $198 every year
• The average rate for a good driver age 40 who has $500 deductibles is $1,326
• Using more expensive low deductibles for comp and collision coverage will increase the cost to $1,698
• High-risk insureds who are prone to accidents and violations could pay up to $2,826 or more
• Policy cost for full coverage for a teen driver with full coverage can cost as much as $4,722 each year

View Chart as Image

Insurance rates for a Subaru Forester also range considerably based on your risk profile, the model of your Forester, and liability limits and deductibles.

An older driver with no violations or accidents and high deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay at least $4,700 a year. View Rates by Age

Your home state plays a big part in determining prices for Subaru Forester insurance rates. A good driver about age 40 could pay as low as $1,020 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,890 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $570 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $299 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying $1,500 to $2,100 additional every year, depending on your age. High-risk driver insurance ranges anywhere from 44% to 127% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to compare rates from as many companies as possible. Each auto insurer uses a different method to calculate rates, and rates will be varied from one company to the next.

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 cheaper rates on Subaru Forester insurance takes being a safe and courteous driver, having a good credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Spend time shopping around at least once a year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below is a recap of the primary concepts that were touched on above.

• You may be able to save approximately $160 per year simply by shopping early and online
• High-risk drivers that have major violations or accidents may pay on average $1,500 more annually for auto insurance
• Increasing comprehensive and collision deductibles can save around $575 each year
• Teenage drivers are expensive to insure, with premiums being up to $394 each month including comprehensive and collision insurance

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.