Subaru Forester Car Insurance [How to Find Cheap Rates]

If you want to buy inexpensive Subaru Forester insurance coverage then you should know that a policy will cost $112 per month ($1,346 per year) on average. Good drivers can save as much as $2,076 a year over higher risk drivers.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 29, 2021

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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

Looking for Subaru Forester insurance rates can leave you with more questions than answers if you don’t know how to begin.

That’s why you should be aware that the average Subaru Forester car insurance rates cost drivers $1,346 a year or $112 every month for full coverage, and good drivers can save up to $555 a year by earning policy discounts.

Let this comprehensive article serve as a reference while you compare Subaru Forester rates from different companies.

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 auto insurance rates for a Subaru Forester cost $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 Chevrolet Suburban, Dodge Journey, and Mazda CX-9.

Vehicle Comprehensive Collision Liability Total
Subaru Forester $362 $532 $316 $1,346
Chevrolet Suburban $336 $532 $372 $1,398
Dodge Journey $322 $532 $372 $1,384
Mazda CX-9 $332 $542 $390 $1,422
Lexus LX 570 $444 $834 $398 $1,834
Ford Flex $332 $566 $398 $1,454
GMC Yukon XL $362 $562 $372 $1,454
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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 will affect the total price you will pay for Subaru Forester insurance coverage.

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.

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 $193 a year more than drivers in Houston.

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

Poor Subaru Forester crash test ratings could mean higher 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

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
  • 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

Insurance loss probability on the Subaru Forester fluctuates between each type of coverage. The lower percentage means lower Subaru Forester car insurance rates; higher percentages mean higher Subaru Forester auto 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, 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.

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Ways to Save on Subaru Forester Insurance

Save more on your Subaru Forester car insurance rates. Take a look at the following five strategies that will get you the best Subaru Forester auto insurance rates possible.

  • 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

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. Take a look at this list of top car insurance companies that are popular with Subaru Forester drivers organized by 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 insurance from some of the top car insurance companies by using our free online tool today.
Are you thinking about buying a new Subaru Forester? It makes sense to find out ahead of time how much Subaru Forester car insurance costs are.

One of the best ways to determine how expensive Subaru Forester auto insurance might be is to look at the safety ratings of the vehicle.

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. When you are finished then be sure to enter your zip in above for a free Subaru Forester car insurance comparison!

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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 airbag 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 airbag 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 were rated as good.

Additional Subaru Forester Safety Features

Safety features include:

Enter your zip code in to start comparing free Subaru Forester auto insurance quotes online!

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