Subaru Forester Auto Insurance (2024)
Subaru Forester insurance rates are $1,346 a year, or around $112 a month. Mature drivers with good driving records may find rates as low as $791 a year.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 23, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 23, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Key takeaways:
- Full coverage costs around $1,346 a year or $112 each month
- A liability-only policy costs around $539 a year or $45 each month
- Highest rates are for teenage drivers at around $4,920 a year or $410 each month
- Good drivers can save as much as $555 a year by earning policy discounts
- Subaru Forester insurance costs around $173 less per year than the average vehicle
Subaru Forester insurance rates are $173 cheaper than the average vehicle. The average annual rate is $1,346 or $112 per month. High-risk drivers, like teen drivers, could pay up to $410 per month. Continue reading to learn some tips on how to save money on Subaru Forester insurance rates.
You can start comparing quotes for Subaru Forester auto insurance rates from some of the best auto insurance companies by using our free online tool now.
Subaru Forester Insurance Cost
The average Subaru Forester auto insurance rates are $1,346 a year or $112 a month.
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Are Subaru Foresters Expensive to Insure?
The chart below details how Subaru Forester insurance rates compare to other SUVs like the GMC Yukon, Dodge Journey, and BMW X3.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Subaru Forester | $362 | $532 | $316 | $1,346 |
| GMC Yukon | $376 | $594 | $372 | $1,500 |
| Dodge Journey | $322 | $532 | $372 | $1,384 |
| BMW X3 | $376 | $656 | $372 | $1,562 |
| Toyota 4Runner | $332 | $512 | $332 | $1,312 |
| Audi Q3 | $344 | $686 | $398 | $1,586 |
| Acura MDX | $376 | $562 | $372 | $1,468 |
However, there are a few things you can do to find the cheapest Subaru insurance rates online.
What Impacts the Cost of Subaru Forester Insurance?
You might have noticed that there is a multitude of factors that impact Subaru Forester auto insurance rates. Your age, location, driving record, and model year all play a role in what you will ultimately pay to insure the Subaru Forester.
Age of the Vehicle
Older Subaru Forester models generally cost less to insure. For example, auto insurance for a 2020 Subaru Forester costs $1,346, while 2010 Subaru Forester insurance costs are $1,074, a difference of $272.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2020 Subaru Forester | $362 | $532 | $316 | $1,346 |
| 2019 Subaru Forester | $346 | $512 | $332 | $1,326 |
| 2018 Subaru Forester | $332 | $506 | $338 | $1,312 |
| 2017 Subaru Forester | $320 | $494 | $354 | $1,304 |
| 2016 Subaru Forester | $310 | $474 | $364 | $1,284 |
| 2015 Subaru Forester | $292 | $458 | $376 | $1,262 |
| 2014 Subaru Forester | $282 | $424 | $384 | $1,226 |
| 2013 Subaru Forester | $270 | $400 | $388 | $1,194 |
| 2012 Subaru Forester | $258 | $358 | $390 | $1,142 |
| 2011 Subaru Forester | $242 | $330 | $390 | $1,098 |
| 2010 Subaru Forester | $234 | $310 | $394 | $1,074 |
Driver Age
Driver age can have a significant impact on Subaru Forester auto insurance rates. For example, 20-year-old drivers pay approximately $1,646 more each year for their Subaru Forester auto insurance than 30-year-old drivers.
Driver Location
Where you live can have a large impact on Subaru Forester insurance rates. For example, drivers in New York may pay $821 a year more than drivers in Seattle.
Your Driving Record
Your driving record can have an impact on the cost of Subaru Forester auto insurance. Teens and drivers in their 20’s see the highest jump in their Subaru Forester auto insurance rates with violations on their driving record.
Subaru Forester Safety Ratings
The Subaru Forester’s safety ratings will affect your Subaru Forester auto insurance rates. See the chart below:
| Test Type | Rating |
| 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 |
| Source: Insurance Institute for Highway Safety | |
Subaru Forester Crash Test Ratings
Subaru Forester crash test ratings can impact the cost of your Subaru Forester auto insurance. See Subaru Forester crash test results below:
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| 2020 Subaru Forester SUV AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2019 Subaru Forester SUV AWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2018 Subaru Forester SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2017 Subaru Forester SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2016 Subaru Forester SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
Subaru Forester Safety Features
Having a variety of safety features on your Subaru Forester can help lower your Subaru Forester insurance costs. The Subaru Forester’s safety features include:
- Driver Air Bag
- Passenger Air Bag
- Front Head Air Bag
- Rear Head Air Bag
- Front Side Air Bag
- 4-Wheel ABS
- 4-Wheel Disc Brakes
- Brake Assist
- Electronic Stability Control
- Daytime Running Lights
- Child Safety Locks
- Traction Control
- Auto-Leveling Headlights
- Lane Departure Warning
- Lane Keeping Assist
Subaru Forester Insurance Loss Probability
Another contributing factor that affects Subaru Forester auto insurance rates is the loss probability for each type of coverage.
| Insurance Coverage Category | Loss Rate |
| Collision | -29% |
|---|---|
| Property Damage | -20% |
| Comprehensive | 8% |
| Personal Injury | -28% |
| Medical Payment | -24% |
| Bodily Injury | -32% |
| Source: Insurance Institute for Highway Safety | |
Subaru Forester Finance and Insurance Cost
When financing a Subaru Forester, most lenders will require your carry higher Subaru Forester coverage options including comprehensive coverage, so be sure to shop around and compare Subaru Forester auto insurance rates from the best companies using our FREE tool below.
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5 Ways to Save on Subaru Forester Insurance
You can save more money on your Subaru Forester auto insurance rates by employing any of the following five strategies.
- Ask About Loyalty Discounts
- Ask About Mature Driver Discounts for Drivers Over 50
- Ask About Usage-Based Insurance for Your Subaru Forester
- Pay Your Bills On Time — Especially Subaru Forester Payments and Insurance
- Check for Organization-Based Discounts, like Alumni or Employer Discounts
Top Subaru Forester Insurance Companies
The best auto insurance companies for Subaru Forester auto insurance rates will offer competitive rates, discounts, and account for the Subaru Forester’s safety features. The following list of auto insurance companies outlines which companies hold the highest market share.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | Geico | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
Compare Free Subaru Forester Insurance Quotes Online
You can start comparing quotes for Subaru Forester auto insurance rates from some of the best auto insurance companies by using our free online tool now.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Frequently Asked Questions
Is auto insurance mandatory for a Subaru Forester?
Yes, auto insurance is mandatory for all vehicles, including the Subaru Forester. It is required by law to have at least the minimum liability coverage to protect yourself and others in case of an accident.
What factors can affect the cost of auto insurance for a Subaru Forester?
Several factors can impact the cost of auto insurance for a Subaru Forester. Some of these factors include your age, driving record, location, credit score, deductible amount, coverage limits, and the model year and trim of your Subaru Forester.
Are there any specific safety features of the Subaru Forester that can potentially lower insurance premiums?
Yes, the Subaru Forester is equipped with various safety features that may help lower insurance premiums. These features can include advanced driver assistance systems (ADAS), such as adaptive cruise control, lane departure warning, forward collision warning, and automatic emergency braking. Insurers often offer discounts for vehicles with these safety features.
Can I get specialized insurance coverage for off-road adventures or modifications made to my Subaru Forester?
Yes, it is possible to get specialized insurance coverage for off-road adventures or modifications made to your Subaru Forester. However, it’s important to note that such coverage may come at an additional cost, and not all insurance providers may offer it. It’s recommended to discuss your specific needs with insurance companies to find the best coverage options for your Subaru Forester.
Are there any discounts available for insuring a Subaru Forester?
Yes, there are various discounts that may be available for insuring a Subaru Forester. These can include discounts for safety features, good driving records, multi-policy discounts, and loyalty discounts for staying with the same insurance company for an extended period. It’s advisable to inquire about available discounts when obtaining insurance quotes.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.