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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Written by
Sara Routhier
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Reviewed by
Cynthia Lanctot
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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 |
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 |
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 | |
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 | ||||
|---|---|---|---|---|
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 | |
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 | |||
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.