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 $1,312 annually for full coverage. Comprehensive insurance costs on average $332 each year, collision costs $506, and liability costs around $338. Liability-only coverage costs as low as $394 a year, with high-risk coverage costing $2,810 or more. 16-year-old drivers pay the highest rates at $4,720 a year or more.

Average premium for full coverage: $1,312

Price estimates by individual coverage:

Prices are based on $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all states and Forester models.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on car insurance rates. Rural areas have fewer accident claims than congested cities.

The graphic below illustrates the effect of geographic area on car insurance rates.

The ranges above show why all drivers should compare prices based on a specific location and their own personal driving habits, instead of making a decision based on rate averages.

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

Rates by State, City, and Model

The chart below shows estimated Subaru Forester insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $757
• Using higher $1,000 deductibles will save around $190 a year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,312
• Buying low deductibles for physical damage coverage costs an additional $366 annually
• High-risk insureds with multiple tickets or accidents could pay upwards of $2,810 or more
• The price with full coverage for a 16-year-old driver may cost $4,720 or more

View Chart as Image

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

More mature drivers with a good driving record and high physical damage deductibles may pay as low as $1,200 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay upwards 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 at a minimum $1,500 to $2,100 in extra premium each year, depending on your age. Insurance for high-risk drivers can be from 44% to 128% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut prices by as much as $560 annually, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $304 extra every year. View Rates by Deductible or Liability Limit

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

View Chart as Image

Since prices can be so different, the only way to know exactly what you will pay is to do a rate comparison from multiple companies. Each insurance company utilizes a different rate formula, 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 insurance for a Subaru Forester requires being a safe and courteous driver, having above-average credit, eliminating unnecessary coverage, and taking advantage of discounts. Take the time to compare rates every other policy renewal by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

Below is a brief review of the ideas that were covered in the above illustrations.

• Teenage drivers are charged the highest prices, with premiums as much as $393 a month if full coverage is included
• Drivers considered higher risk with DUI or reckless driving convictions may be required to pay an average of $1,500 more each year for auto insurance
• Increasing physical damage deductibles could save up to $550 each year
• Drivers can save as much as $160 per year simply by quoting online in advance

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.