Best Subaru Forester Car Insurance in 2025 (Your Guide to the Top 10 Companies)

Geico, State Farm, and Erie are the top picks for the Best Subaru Forester Car Insurance, each offering exceptional coverage at competitive rates.

Our Top 10 Company Picks: Best Subaru Forester Car Insurance

These companies offer the best balance of cost and coverage for Subaru Forester owners. Learn more in our guide titled, “Car Insurance Coverage Limits: Explained Simply.”

Find cheap Subaru Forester car insurance quotes by entering your ZIP code above.

#1 – Geico: Top Overall Pick

Pros

• Generous Accident Coverage: Geico’s Accident Forgiveness policy means that if you’re involved in a fault-related accident, your Subaru Forester’s premiums will remain unchanged, offering substantial peace of mind and financial protection. See more details on our article called, “Geico Car Insurance Review.”
• Significant Bundle Discounts: Geico provides a notable 25% discount when you combine your Subaru Forester coverage with other policies, leading to considerable savings across your entire insurance portfolio.
• Outstanding Financial Strength: Geico holds an A++ rating from A.M. Best, reflecting its excellent financial stability and reliability, ensuring that claims for your Subaru Forester will be processed efficiently.

Cons

• Limited Customization Options: Although Geico excels in accident forgiveness, its array of coverage options for the Subaru Forester might not be as extensive or customizable as those available from other insurers.
• Complex Claims Procedure: The process for filing claims with Geico, while generally reliable, has been noted by some clients to be somewhat cumbersome and lengthy, which could affect the speed at which Subaru Forester claims are addressed.

#2 – State Farm: Best for Reliable Service

Pros

• Extensive Coverage Options: State Farm offers a wide range of coverage alternatives tailored to different needs, ensuring you can find a suitable plan for your Subaru Forester, whether you need basic protection or more comprehensive coverage. More information is available about this provider in our guide titled, “State Farm Car Insurance Review.”
• Fair Bundle Discount: State Farm provides a 17% discount for combining your Subaru Forester insurance with other policies, which, though not the highest, still offers valuable savings and encourages comprehensive coverage.
• Dependable Customer Support: State Farm is known for its reliable customer service, with a network of agents available to assist with your Subaru Forester insurance needs and ensure you receive the support you require.

Cons

• Higher Premiums: Even with the multi-policy discount, State Farm’s rates for insuring a Subaru Forester can be higher compared to some rivals, potentially affecting the overall affordability of your coverage.
• Less Generous Discounts: The multi-policy discount offered by State Farm may not be as substantial as those from other insurers, possibly limiting the total savings you can achieve for your Subaru Forester insurance.

#3 – Erie: Best for Filing Claims

Pros

• Streamlined Claims Process: Erie is recognized for its efficient and straightforward claims handling, which can be especially advantageous if you need to file a claim for your Subaru Forester, ensuring prompt resolution and minimal hassle. Read up on the “Erie Car Insurance Review” for more information.
• Competitive Bundle Discount: Erie offers a generous 25% discount when you bundle multiple policies, which can lead to significant savings for those covering their Subaru Forester alongside other assets.
• Strong Financial Ratings: With an A+ rating from A.M. Best, Erie demonstrates strong financial health, providing confidence in their ability to manage claims and support policyholders effectively.

Cons

• Regional Availability Limits: Erie’s services and discounts may not be accessible in all locations, which can restrict availability for Subaru Forester owners in certain areas.
• Coverage Variability: There might be some variability in the coverage options available for the Subaru Forester, which could affect how well the policy meets specific needs or preferences.

#4 – USAA: Best for Military Families

Pros

• Specialized Military Discounts: USAA offers exclusive benefits and discounts for military families, which include advantageous terms for insuring your Subaru Forester, reflecting their dedication to supporting service members.
• Valuable Bundle Savings: USAA provides a 10% discount for bundling policies, which, while lower than some competitors, still offers meaningful savings and benefits for military families with a Subaru Forester.
• Top Financial Ratings: Holding an A++ rating from A.M. Best, USAA’s strong financial standing ensures reliable support and effective management of your Subaru Forester’s insurance requirements. Check out insurance savings in our complete guide titled, “USAA Car Insurance Review.”

Cons

• Eligibility Restrictions: USAA’s insurance offerings are limited to military families and veterans, which may exclude many potential Subaru Forester owners who do not meet the eligibility criteria.
• Narrower Coverage Options: The range of coverage options provided by USAA might be more limited compared to other insurers, which could impact the ability to tailor insurance for your Subaru Forester to specific needs.

#5 – Progressive: Best for Online Tools

Pros

• Advanced Digital Management Tools: Progressive offers state-of-the-art online tools and resources that enable you to manage your Subaru Forester insurance efficiently, including features like policy management and claims tracking from your device.
• Practical Bundle Discount: Progressive provides a 12% discount for bundling policies, which, while lower than some competitors, still offers meaningful savings for those insuring their Subaru Forester along with other assets.
• Strong Financial Ratings: With an A+ rating from A.M. Best, Progressive’s financial stability supports its ability to handle your Subaru Forester’s insurance needs effectively and reliably. Discover more about offerings in our article called, “Progressive Car Insurance Review.”

Cons

• Lower Discount Rates: Progressive’s multi-policy discount of 12% is lower compared to some other insurers, which could limit the overall savings available for your Subaru Forester insurance.
• Mixed Customer Service Experiences: There have been varying reviews about Progressive’s customer service, which may affect overall satisfaction and support for Subaru Forester policyholders.

#6 – Nationwide: Best for Bundling Options

Pros

• Substantial Multi-Policy Savings: Nationwide provides a notable 20% reduction for combining various insurance policies. This is especially beneficial for Subaru Forester owners who wish to merge multiple coverages into one, leading to significant savings on their overall premium.
• Robust Financial Strength: Nationwide boasts an A+ rating from A.M. Best, highlighting its strong financial standing and dependability. This rating assures Subaru Forester owners of the company’s ability to meet long-term obligations and consistently deliver coverage.
• Broad Coverage Choices: Nationwide offers a wide array of coverage options tailored to the needs of Subaru Forester owners. Whether one requires basic liability or comprehensive protection, Nationwide’s flexible policies cater to a diverse range of insurance needs. Access comprehensive insights into our article called, “Nationwide Car Insurance Discounts.”

Cons

• Discounts Compared to Rivals: Even though Nationwide provides a 20% multi-policy discount, these savings might not be as competitive as those offered by other insurers with more aggressive bundling discounts.
• Potentially Higher Premiums: Although Nationwide delivers valuable discounts, the costs for insuring the Subaru Forester could still be relatively high compared to other providers, particularly for comprehensive coverage plans.

#7 – Allstate: Best for Feature Options

Pros

• Generous Multi-Policy Savings: Allstate offers a significant 25% reduction for bundling insurance policies, a major advantage for those covering their Subaru Forester alongside other needs. This discount helps lower overall costs while ensuring extensive coverage.
• Excellent A.M. Best Rating: With an A+ rating from A.M. Best, Allstate showcases financial stability and reliability. Subaru Forester owners can trust in the insurer’s ability to handle claims and deliver dependable service.
• Wide Range of Customizable Features: Allstate provides a comprehensive array of features and add-ons for Subaru Forester insurance. From roadside assistance to rental car coverage, the numerous options allow for highly personalized insurance plans tailored to specific needs and preferences. Delve into our evaluation of “Allstate Car Insurance Review.”

Cons

• Discount Limitations: Although Allstate’s 25% multi-policy discount is appealing, the overall cost structure may not always be the most competitive when compared to other insurers offering higher discounts.
• Premium Variation: The premiums for the Subaru Forester can fluctuate significantly based on the selected features and coverage levels. This variability might lead to higher costs for those opting for extensive feature sets.

#8 – Amica: Best for Customer Service

Pros

• Substantial Multi-Policy Savings: Amica provides a 20% discount for bundling insurance policies, offering good value for those covering their Subaru Forester and other assets. This discount facilitates managing multiple policies while saving money.
• Top-Tier A.M. Best Rating: Amica’s A+ rating from A.M. Best underscores its strong financial health and reliability. This rating gives Subaru Forester owners confidence in Amica’s ability to uphold its financial commitments and deliver excellent service.
• Exceptional Customer Support: Amica is celebrated for its outstanding customer support. Subaru Forester owners benefit from responsive assistance and personalized care, enhancing the overall insurance experience and ensuring swift resolution of any issues. Unlock details in our article called, “Amica vs. Progressive Car Insurance Comparison.”

Cons

• Moderate Multi-Policy Savings: While Amica’s 20% discount is beneficial, it might not be as competitive as higher discounts offered by other insurers, potentially limiting overall savings.
• Premium Costs: Premiums for the Subaru Forester with Amica could be higher than those of some competitors, especially for comprehensive coverage options, affecting overall affordability.

#9 – Travelers: Best for Policy Customization

Pros

• Flexible Multi-Policy Discount: Travelers provides a 10% discount for bundling multiple insurance policies. Although modest, this reduction still contributes to savings for those covering their Subaru Forester and other assets.
• Outstanding A.M. Best Rating: Travelers holds an A++ rating from A.M. Best, indicating superior financial strength and stability. This high rating ensures that Subaru Forester owners are supported by a highly reliable and secure insurer.
• Extensive Customization Opportunities: Travelers excels in offering a broad range of customization options for Subaru Forester insurance. Policyholders can extensively tailor their coverage, selecting add-ons and features that align with their individual preferences and requirements. Discover insights in our article called, “Travelers Car Insurance Review.”

Cons

• Lower Multi-Policy Discount: The 10% discount for bundling policies may be considered less competitive compared to more generous discounts provided by other insurers, potentially reducing overall savings.
• Premium Considerations: Despite the customizable coverage options, premiums for the Subaru Forester with Travelers might be higher than those offered by competitors, particularly if extensive customization is chosen.

#10 – Farmers: Best for Claims Process

Pros

• Valuable Multi-Policy Savings: Farmers offers a 15% discount on bundled policies, providing meaningful savings for Subaru Forester owners seeking to consolidate their insurance needs. This discount assists in managing costs while ensuring adequate protection. If you want to learn more about the company, head to our article called, “Farmers Car Insurance Review.”
• Reliable A.M. Best Rating: Farmers’ A rating from A.M. Best reflects its dependable financial status, giving Subaru Forester owners assurance in the insurer’s ability to manage claims and maintain coverage stability.
• Streamlined Claims Handling: Farmers is known for its efficient and straightforward claims process. Subaru Forester owners benefit from a hassle-free experience, which promotes quicker resolutions and minimizes stress.

Cons

• Modest Multi-Policy Savings: The 15% discount provided by Farmers, while helpful, is not as high as the discounts available from some other insurers, potentially limiting overall savings.
• Potentially Higher Premiums: Premiums for insuring the Subaru Forester with Farmers might be higher compared to those offered by other insurers, especially if extensive coverage options are selected.

Monthly Insurance Rates for Subaru Forester: Minimum vs. Full Coverage

When selecting car insurance for a Subaru Forester, the monthly rates can vary significantly depending on the provider and the level of coverage. The table below outlines the minimum and full coverage rates from various insurers, providing a clear comparison for those seeking the best value.

Subaru Forester Car Insurance Monthly Rates by Coverage Level & Provider

Geico offers the lowest minimum coverage rate at $43, making it the most affordable option for basic protection. For full coverage, Geico also remains competitive at $112.

On the other end, Erie provides the most economical full coverage at $88, with a minimum coverage rate of $54. Learn more in our guide titled, “Compare Full Coverage vs. Liability Car Insurance: Rates, Discounts, & Requirements.”

Understanding these rates helps Subaru Forester owners choose an insurance plan that best fits their needs and budget.

Factors That 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. Read up on the “Compare Car Insurance by Coverage Type” for more information.

Age of the Vehicle

The average Subaru Forester car insurance rates are higher for newer models. For example, car insurance rates for a 2020 Subaru Forester are $1,346, while 2010 Subaru Forester rates are $1,074, a difference of $272.

Subaru Forester Car Insurance Monthly Rates by Model Year and Coverage Type

Understanding these variations allows Subaru Forester owners to make better-informed choices about their insurance and seek opportunities to lower their premiums.

Driver Location

Where you live can significantly influence the insurance premiums for a Subaru Forester. For example, motorists based in Los Angeles might encounter a yearly insurance expense that exceeds that of drivers located in Houston by $193.

This insight empowers you to make informed decisions regarding Subaru Forester insurance coverage, helping you to explore potential ways to reduce expenses by understanding how factors such as your location influence insurance premiums.

Driver Age

A driver’s age is a key factor in influencing the price of Subaru Forester auto insurance. Less experienced drivers, like those at age 20, usually encounter much steeper rates, possibly paying about $137 more monthly in contrast to older, more seasoned drivers, such as a 30-year-old.

This variation in pricing is tied to the heightened risk insurance companies associate with younger, less seasoned drivers.

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:

Subaru Forester Safety Ratings

By knowing these ratings, you can potentially save money on insurance while ensuring that your vehicle meets high safety standards.

Subaru Forester Crash Test Ratings

Poor Subaru Forester crash test ratings could mean higher Subaru Forester car insurance rates.

Subaru Forester Crash Test Ratings

Subaru Forester Safety Features

The Subaru Forester safety features can help lower insurance costs. According to AutoBlog, the 2020 Subaru Forester has the following safety features:

• Driver Air Bag
• Passenger Air Bag
• Front Head Air Bag
• Rear Head Air Bag
• Front Side Air Bag

This information helps drivers make informed decisions about their insurance coverage and the overall cost of owning a Subaru Forester.

Subaru Forester Insurance Loss Probability

Insurance loss probability on the Subaru Forester fluctuates between each type of coverage. By recognizing how each coverage type influences the overall loss probability, you can make more informed decisions about the types and levels of insurance you need, potentially optimizing your policy for both cost and protection.

Subaru Forester Insurance Loss Probability

The lower percentage means lower Subaru Forester car insurance rates; higher percentages mean higher Subaru Forester auto insurance rates.

Ways to Save on Subaru Forester Insurance

Discover ways to cut down on your Subaru Forester car insurance premiums by exploring these five effective strategies. Implementing these approaches can help you obtain the most favorable auto insurance rates available for your Subaru Forester.

• Get a plan with only liability coverage if you’re driving an older Subaru Forester.
• Ask about discounts for people with disabilities.
• Ask about Subaru Forester safety discounts.
• Ask about Subaru Forester low mileage discounts.
• Ask about usage-based insurance for your Subaru Forester.

This approach enables you to make informed choices and maximize the value of your insurance plan. Discover more about offerings in our article called, “Best Car Insurance for New Drivers Over 21.”

Cost of Insurance for a Subaru Forester

The average auto insurance rates for a Subaru Forester cost $112 a month. See more details on our article called, “Collision vs. Comprehensive: What is the difference?”

By staying informed about Subaru Forester insurance costs, you can make more informed decisions and select coverage that aligns with your needs and budget. More information is available about this provider in our article called, “How do you get competitive quotes for car insurance?“

Top Subaru Forester Insurance Companies

Several top car insurance companies offer competitive rates for the Subaru Forester rates based on factors like discounts for safety features.

Top Subaru Forester Insurance Companies

Take a look at this list of top car insurance companies that are popular with Subaru Forester drivers organized by market share.

This list of top insurers, ranked by market share, highlights the major players who offer competitive rates and substantial discounts, particularly for Subaru Forester drivers.

By choosing from these leading providers, you can ensure that you are getting reliable coverage tailored to the specific needs of your vehicle.

Subaru Forester Finance and Insurance Cost

If you are financing a Subaru Forester, most lenders will require your carry higher Subaru Forester coverages including comprehensive coverage, so be sure to compare Subaru Forester car insurance rates from the best companies using our Free tool below. Check out insurance savings in our complete guide titled, “Cheap Car Insurance.”

Compare Free Online Insurance Quotes for Subaru Forester

Begin comparing insurance quotes for your Subaru Forester using our free online tool today, featuring quotes from leading car insurance providers.

If you’re considering purchasing a new Subaru Forester, it’s wise to estimate the cost of insurance beforehand. Checking the vehicle’s safety ratings is an effective way to gauge potential insurance expenses.

Insurance companies use this information to this information to help them determine how much the car might cost to repair and what to charge for premiums.

Read on to learn all about Subaru Forester car insurance costs, safety ratings, and more. Access detailed insights in our guide titled, “Do I have to repair my car with the insurance money?”

Subaru Forester Safety Ratings

The 2010 Forester received five-star scores for how well it protected the passenger and driver by the federal government. Its performance was evaluated during front and back passenger side crash tests and frontal crash tests.

In addition, the government gave the Forester a four-star rollover score. This score indicates that this vehicle has a 17% risk of rolling over in a one-to-one vehicle crash.

The Subaru Forester received a top rating of good in side, frontal, and rear crash tests by the Insurance Institute For Highway Safety (IIHS). The Forester also was given a good rating in roof strength.

It was named as one of the 2016 “Top Safety Pick” vehicles. The Subaru Forester is only one in its class of SUVs that has received this award.

During the IIHS tests, vehicles hit a barrier with 40% of its driver’s side. The vehicles were driven at about 40 miles per hour. Here is a closer look at the Subaru Forester’s results:

– First Test – Frontal Offset

The movement of the dummy was well under control. The dummy slid forward into the driver’s air bag and moved back towards the seat without the head coming near any hard surfaces. The risk of injury was low.

– Second Test – Side Impact

The dummy in the driver’s seat and the dummy sitting in the back seat received protection from striking any stiff structures and barriers by the side air bag curtain that opened up from the roof.

– Third Test – Rollover Roof Strength

To determine the strength of the roof, a plate made of metal was pushed against a corner of the vehicle’s rooftop at a continuous rate. The Subaru Forester had a strength-to-weight ratio of 4.64.

In comparison, the Honda Element’s weight-to-strength ratio was 4.31. The Subaru Forster was 0.33 points stronger and would provide better protection in a rollover accident.

– Fourth Test- Rear Crash Protection

This test had two parts.

• First for every head/seat restraint, the distance below and under the head of a seated, average-sized man is rated as good, acceptable, marginal, or poor.
• Second, the test simulates the force involved when a parked car gets struck from the rear by another car with the same weight moving at 20 mph.

The Forester models received consistently high ratings, with experts praising their performance, safety features, and reliability.

Additional Subaru Forester Safety Features

Safety features include:

• Anti-lock brakes
• Front seat-mounted torso air bags
• Front and rear head curtain air bags
• Electronic stability control
• Daytime running lights

Understanding the additional safety features of the Subaru Forester is crucial for making informed insurance decisions. Access comprehensive insights into our article called, “Safety Features Car Insurance Discounts.”

By entering your ZIP code below, you can get instant Subaru Forester car insurance quotes from top providers.