Subaru Forester Insurance [Comprehensive Guide]

Getting Subaru Forester insurance quotes will cost on average $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.

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Sara Routhier, Director of Outreach and Managing Editor of Features, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overw...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 31, 2020

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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 can be economical for most drivers. Subaru Forester insurance costs around $173 less per year than the average vehicle. Learn what drivers can do to save on insurance rates for a Subaru Forester by reading our guide.

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 Audi Q3, Mazda CX-9, and Honda Pilot.

Vehicle Comprehensive Collision Liability Total
Subaru Forester $362 $532 $316 $1,346
Audi Q3 $344 $686 $398 $1,586
Mazda CX-9 $332 $542 $390 $1,422
Honda Pilot $336 $470 $372 $1,336
Ford Edge $266 $500 $372 $1,296
Jeep Grand Cherokee $322 $562 $372 $1,414
BMW X5 $444 $750 $372 $1,724
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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 can impact the total price you will pay for Subaru Forester car insurance coverage.

Age of the Vehicle

Older Subaru Forester models generally cost less to insure. For example, auto insurance rates for a 2020 Subaru Forester are $1,346, while 2010 Subaru Forester rates 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
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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 a 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 $498 a year more than drivers in Philadelphia.

Your Driving Record

Your driving record can have an impact on your Subaru Forester car insurance rates. 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

Your Subaru Forester auto insurance rates are tied to the Subaru Forester’s safety ratings. See the breakdown 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
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Subaru Forester Crash Test Ratings

The crash test ratings of the Subaru Forester can impact your Subaru Forester car 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
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Subaru Forester Safety Features

Most drivers don’t realize that not only do Subaru Forester safety features play a vital role in keeping passengers safe in crashes, but they can also help lower Subaru Forester auto insurance rates. 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 Subaru Forester’s insurance loss probability varies for each form of coverage. The lower percentage means lower Subaru Forester auto insurance rates; higher percentages mean higher Subaru Forester car insurance rates.

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
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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

You have more options at your disposal to save money on your Subaru Forester auto insurance costs. For example, try taking advantage of the following five strategies to reduce your Subaru Forester car insurance rates

  • Ask for a New Subaru Forester Auto Insurance Rate Based on Your Improved Credit Score
  • Check for Organization-Based Discounts, like Alumni or Employer Discounts
  • Buy Your Subaru Forester with Cash, or Get a Shorter-Term Loan
  • Reduce Your Coverage on an Older Subaru Forester
  • Ask About Seasonal Insurance for Your Subaru Forester

Top Subaru Forester Insurance Companies

The best auto insurance companies for Subaru Forester car insurance rates will offer competitive rates, discounts, and account for the Subaru Forester’s safety features. The following list of car 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
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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.

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