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.

U.S. average auto insurance rates for a Subaru Forester are $1,326 annually for full coverage. Comprehensive insurance costs approximately $346 a year, collision costs $512, and liability is $332. Liability-only coverage costs around $388 a year, with high-risk coverage costing $2,826 or more. Teen drivers pay the highest rates at $4,722 a year or more.

Average premium for full coverage: $1,326

Price estimates by individual coverage:

Prices are based on $500 policy deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and Forester trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Rural locations have fewer accident claims than larger metro areas.

The diagram below illustrates how your location can change auto insurance prices.

The ranges above show why it is important to compare rates quotes using their specific location and their own personal driving habits, instead of using price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $768
• Raising to $1,000 deductibles will save $1,128 a year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,326
• Choosing low $100 deductibles costs an additional $372 every year
• At-risk drivers with multiple violations and an at-fault accident could pay around $2,826 or more
• The price with full coverage for a teen driver can cost $4,722

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Auto insurance prices for a Subaru Forester are also quite variable based on the trim level and model year, your driver profile, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high physical damage deductibles may pay as little as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay in the ballpark of $4,700 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying anywhere from $1,500 to $2,100 in extra premium each year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 44% to 127% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce prices by up to $570 every year, while buying higher liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $299 extra every year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Subaru Forester insurance prices. A middle-age driver might find prices 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

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to get quotes and see which company has the best price. Every auto insurance company uses a different rate calculation, and quoted prices may be quite 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 Affordable Subaru Forester Insurance

Getting lower rates on car insurance consists of avoiding accidents and claims, having above-average credit, eliminating unnecessary coverage, and not having any coverage lapses. Invest the time to shop around at least once a year by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The points below are a brief review of the primary concepts that were illustrated above.

• Drivers can save around $160 per year simply by quoting early and online
• Higher risk drivers with DUI or reckless driving convictions pay on average $1,500 more per year to insure a Subaru Forester
• Increasing physical damage deductibles could save up to $575 each year
• Drivers under the age of 20 have the highest car insurance prices, with premiums as much as $394 a month if full coverage 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.