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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.
Table of Contents
The average Subaru Forester auto insurance rates are $1,346 a year or $112 a month.
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.
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.
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 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.
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 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.
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 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 | ||||
|---|---|---|---|---|
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:
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 | |
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.
You can save more money on your Subaru Forester auto insurance rates by employing any of the following five strategies.
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 | |||
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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