Best Subaru Forester Car Insurance Quotes (2024)
Forester insurance rates cost $112 per month ($1,346 per year). On average, Subaru Forester comprehensive insurance coverage costs $328, collision coverage costs $479, and liability coverage costs $380. Good drivers can save up to $555 on these costs.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Nov 27, 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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance 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 insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Nov 27, 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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance 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 around $173 less per year than the average, with full coverage around $1,346 a year or $112 a month. Teen drivers have the highest rates at $4,920 a year or $410 a month. Good drivers may get up to $555 in discounts every year for being safe drivers. Let’s take a look at Subaru Forester insurance rates, safety rates, and more.
You can start comparing quotes for Subaru Forester car insurance rates from some of the best car 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 Ford Flex, Mercedes-Benz GLE 350, and Cadillac Escalade ESV.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Subaru Forester | $362 | $532 | $316 | $1,346 |
| Ford Flex | $332 | $566 | $398 | $1,454 |
| Mercedes-Benz GLE 350 | $438 | $870 | $390 | $1,856 |
| Cadillac Escalade ESV | $464 | $720 | $390 | $1,732 |
| GMC Acadia | $294 | $470 | $372 | $1,294 |
| Cadillac Escalade | $458 | $780 | $466 | $1,904 |
| Jaguar F-PACE | $470 | $982 | $398 | $2,008 |
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?
The Subaru Forester trim and model you choose will affect the total price you will pay for Subaru Forester insurance coverage.
Age of the Vehicle
Older Subaru Forester models generally cost less to insure. For example, car 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 effect on the cost of Subaru Forester car insurance. For example, a 20-year-old driver could pay around $137 more each month for their Subaru Forester car insurance than 30-year-old driver.
Driver Location
Where you live can have a large impact on Subaru Forester insurance rates. For example, drivers in Los Angeles may pay $193 a year more than drivers in Houston.
Your Driving Record
Your driving record can have an impact on the cost of Subaru Forester car insurance. Teens and drivers in their 20’s see the highest jump in their Subaru Forester car insurance 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
Not only do good Subaru Forester crash test ratings mean you are better protected in a crash, but good Subaru Forester crash ratings also mean cheaper insurance rates.
| 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
The more safety features you have on your Subaru Forester, the more likely it is that you can earn a discount. 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
The lower percentage means lower Subaru Forester car insurance rates; higher percentages mean higher Subaru Forester auto insurance rates. Insurance loss probability on the Subaru Forester fluctuates between 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
If you are financing a Subaru Forester, you will pay more if you purchase Subaru Forester auto insurance at the dealership, so be sure to shop around and compare Subaru Forester auto insurance quotes from the best companies using our FREE tool below.
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Ways to Save on Subaru Forester Insurance
There are many ways that you can save on Subaru Forester car insurance. Below are five actions you can take to find cheap Subaru Forester auto insurance rates.
- Check Your Subaru Forester Policy Carefully to Ensure All Information is Correct
- Move to an Area with a Lower Cost of Living
- Pay Your Subaru Forester Insurance Upfront
- Move to an Area with Better Weather
- Apply for Your Full, Unrestricted License as Soon as You’re Eligible
Top Subaru Forester Insurance Companies
Who is the top car insurance company for Subaru Forester insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Subaru Forester auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Subaru Forester offers.
| 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 | |||
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Frequently Asked Questions
What factors affect the cost of Subaru Forester car insurance?
Several factors affect the cost of Subaru Forester car insurance, including the driver’s age, driving record, location, insurance history, coverage options, and the model and year of the vehicle.
How can I find the best Subaru Forester car insurance quotes?
To find the best Subaru Forester car insurance quotes, it is recommended that you shop around and compare quotes from multiple insurance providers. You can also consider factors such as the coverage options and deductibles offered, as well as any discounts that may be available.
What are some tips for getting cheaper Subaru Forester car insurance?
Some tips for getting cheaper Subaru Forester car insurance include maintaining a clean driving record, choosing a higher deductible, bundling your car insurance with other policies, and taking advantage of any available discounts, such as safe driving or multi-car discounts.
What are some of the most affordable insurance providers for Subaru Forester car insurance?
The most affordable insurance providers for Subaru Forester car insurance may vary depending on your location and other personal factors. It is recommended that you shop around and compare quotes from multiple providers to find the most affordable option for you.
What types of coverage should I consider for my Subaru Forester car insurance?
The types of coverage you should consider for your Subaru Forester car insurance may vary depending on your personal needs and preferences. However, some common types of coverage to consider include liability coverage, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.