How Much are Subaru Forester Insurance Rates?

Subaru Forester insurance rates are around $112 a month, but you'll find that 2017 Subaru Forester insurance costs less than a policy for a newer model. Compare Subaru Forester insurance quotes online to save money on your Subaru Forester insurance coverage. Enter your ZIP code below to get started.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Insurance Feature Writer Rachel Bodine

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Oct 30, 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

We will help you find the best auto insurance rates for your Subaru Forester. Full coverage costs around $1,346 a year or $112 each month, but every Subaru Forester auto insurance quote will be uniquely based on several key factors. We’ll cover all the basics below, so get ready.

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 car insurance costs 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 Kia Sorento, Mitsubishi Outlander and Dodge Durango.

Vehicle Comprehensive Collision Liability Total
Subaru Forester $362 $532 $316 $1,346
Kia Sorento $322 $562 $372 $1,414
Mitsubishi Outlander $306 $542 $332 $1,316
Dodge Durango $348 $562 $372 $1,440
Audi Q7 $394 $714 $398 $1,664
Infiniti QX60 $404 $750 $372 $1,684
Toyota 4Runner $332 $512 $332 $1,312
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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, 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
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Driver Age

Driver age can have a significant impact on the cost of Subaru Forester auto insurance. For example, 20-year-old drivers pay approximately $1,646 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 Los Angeles may pay $741 a year more than drivers in Phoenix.

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

The Subaru Forester’s safety ratings will affect your Subaru Forester car 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
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Subaru Forester Crash Test Ratings

Subaru Forester crash test ratings can impact the cost of your Subaru Forester car insurance. See Subaru Forester crash test results below:

Federal Government Crash Test Ratings 2020 2019 2018
Overall Rating 5 5 5
Frontal Crash 5 5 4
Side Crash 5 5 5
Rollover 4 4 5
Source: National Highway Traffic Safety Administration

Subaru Forester Safety Features

Having a variety of safety features on your Subaru Forester can help lower your insurance costs. According to AutoBlog, the 2020 Subaru Forester’s safety features include:

  • Anti-lock brakes
  • Stability control
  • Front-impact airbags
  • Side impact airbags
  • Overhead airbags
  • Knee airbags
  • Pretensioners
  • Security system

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%
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Subaru Forester Finance and Insurance Cost

If you are 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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3 Ways to Save on Subaru Forester Insurance

Drivers can end up saving more money on their Subaru Forester car insurance rates by employing any one of the following strategies.

  • Re-Check Subaru Forester Auto Insurance Quotes Annually or Semi-annually
  • Reduce your Coverage on an Older Subaru Forester
  • Make Sure You Compare Apples to Apples When Checking Subaru Forester Insurance Rates

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
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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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