Insurance Costs For Subaru Forester: Are They High?

The cost of car insurance for a Subaru Forester varies depending on several factors, including the age, location, driving history, and age of the vehicle. Full coverage for a Subaru Forester is, on average, less than the national average of $2,305 per year. The age of the driver is a significant factor, with younger drivers paying higher insurance rates due to their lack of experience. For example, a 16-year-old driver of a Subaru Forester can expect to pay around $5,587 per year, while a 40-year-old driver may pay approximately $1,232. The choice of insurance provider also affects costs, with State Farm and GEICO being popular options for Subaru Forester drivers.

The average insurance cost for a Subaru Forester

According to CarEdge, the average annual insurance cost for a Subaru Forester is around $1,963. This estimate assumes a 40-year-old driver with full coverage, good credit, and an annual mileage of 13,000 miles. However, it is important to note that insurance rates can vary significantly between providers, and individual quotes may differ based on specific circumstances.

Some users on Reddit have shared their insurance costs for their Subaru Forester, which vary widely depending on factors such as location, age of the vehicle, and chosen coverage options. For example, one user in Los Angeles, California, with a 2025 Subaru Forester Sport, pays $179 per month for Geico coverage. Another user with a 2023 Forester Premium in an unspecified location pays $141 per month with USAA full coverage.

It is always recommended to shop around and compare quotes from multiple insurance providers to find the best rate for your specific situation. Additionally, it is worth considering the potential savings offered by multi-car policies or bundling multiple types of insurance (home, auto, life, etc.) with a single provider.

Overall, while the Subaru Forester may have higher insurance costs compared to some other vehicles, the exact amount will depend on a variety of factors, and it is important to get personalized quotes to determine the precise cost.

Factors affecting the insurance cost

Several factors influence the cost of your premium, and understanding these can help you better manage your insurance costs.

The type of car you drive directly affects insurance costs based on its characteristics and performance. Luxury, sports, or high-performance cars often come with higher insurance premiums due to increased fuel consumption, expensive maintenance, and higher accident risks associated with their speed capabilities. Repair or replacement costs for expensive cars are typically higher, prompting insurance companies to charge more for coverage. Electric cars can also be more expensive to insure due to higher repair costs. The age of your car also impacts insurance costs. Newer cars are usually worth more and thus cost more to insure, whereas older cars generally have lower values, resulting in lower insurance costs. However, this is not always the case, as potential breakdowns and damages associated with older cars may lead to increased costs.

Your age is another significant factor affecting your auto insurance premium. Statistics show that younger drivers, especially those under 25, tend to be involved in more accidents, making them a greater risk for insurance companies and resulting in higher premiums. On the other hand, older and more experienced drivers may benefit from lower rates as they are often considered safer drivers.

Your place of residence also impacts your insurance costs. Drivers in densely populated urban areas tend to pay more than those in less populated regions due to the higher risk of theft, accidents, and vandalism. Within a given state, insurance costs can vary between cities based on traffic density and accident rates.

Your driving record is essential when calculating car insurance costs. A clean driving record with no violations or accidents indicates a lower-risk driver, which can lead to reduced insurance expenses. Conversely, a poor driving record with accidents or traffic violations will result in higher insurance premiums.

Other factors that can influence insurance costs include the vehicle's specifications, condition, mileage, and safety features. Additionally, insurance rates can vary between providers for the same coverage, so it is beneficial to compare policies and companies to find the best option for your needs.

Recommended insurance providers for Subaru Forester

The cost of insuring a Subaru Forester varies depending on factors such as age, location, driving history, and model year. On average, it costs $1,261 per year to insure a Subaru Forester, but individual rates can be higher or lower. For example, a 24-year-old in Los Angeles County with a California driver's license may pay $179 per month for Geico coverage. Another driver in Michigan with full coverage pays more in 6 months than most people pay for a full year.

State Farm is consistently recommended as the top provider for Subaru Forester drivers, offering affordable rates, highly-ranked customer service, and add-on coverages such as rental car services and reimbursement coverage, as well as 24-hour emergency roadside service. Their average annual premium for full coverage is $1,013, which is considerably lower than the average cost of insurance for Subaru Foresters.

Other recommended insurance providers for Subaru Forester include Geico, Allstate, and Travelers, which have received high scores in customer satisfaction. It is always advisable to shop around and compare quotes from several providers, as no single insurance company will be the right fit for all Subaru Forester drivers.

Discounts and coverage options

The cost of insuring a Subaru Forester varies depending on several factors, including the driver's age, location, driving history, education, and marital status. Insurers consider younger drivers to be higher-risk clients due to their inexperience and higher likelihood of accidents, resulting in higher insurance premiums. For example, a 16-year-old driver of a Subaru Forester can expect to pay around $5,587 per year, while a 40-year-old driver may pay approximately $1,232 annually.

When considering insurance providers, State Farm consistently ranks highly for Subaru Forester insurance. They offer a balanced combination of affordable rates and quality service, with a MoneyGeek score of 90 out of 100 and an average annual premium of $1,013 for full coverage. GEICO is another popular choice, with a slightly lower MoneyGeek score of 89 but still competitive rates of $1,044 per year.

To save on insurance costs, it is recommended to shop around and compare rates from different providers. Additionally, certain safety features in your Subaru Forester may qualify you for significant discounts. These features include anti-lock brakes, airbags, and advanced systems like lane departure warnings.

When considering insurance coverage, it's important to note that full coverage insurance for a Subaru Forester is generally less expensive than the nationwide average of $2,305 per year. Full coverage includes liability insurance, comprehensive and collision coverage. However, if you have an older Subaru Forester, you may consider scaling back on full coverage, but this should be done carefully to avoid unnecessary risks. Increasing your deductible can also lower your insurance costs, provided you have the savings to cover it.

Lastly, it's worth mentioning that insurance rates for the Subaru Forester can vary significantly by state. For instance, a driver in Los Angeles, California, may pay higher rates than someone in Michigan or Minnesota. It's always a good idea to review and compare insurance rates periodically to ensure you're getting the best value for your insurance coverage.

Comparison with other Subaru models

The Subaru Forester is considered the cheapest model to insure, costing around $1,064 annually. This is compared to the Subaru BRZ, which is the most expensive model to insure at roughly $1,495 per year. The BRZ is also considered expensive to insure compared to all other car makes and models.

The Subaru Crosstrek is another model that is considered affordable, with its price range and safety ratings being good news for insurance companies. The 2022-23 Crosstrek earned a Top Safety Pick rating from the Insurance Institute for Highway Safety (IIHS). The Subaru Outback is also considered inexpensive to insure, with an average cost of $1,121 per year across all model years. This is the second cheapest out of the five Subaru models analysed by MoneyGeek.

The cost of insurance for a Subaru can vary significantly depending on the model's year, the driver's characteristics, and the chosen coverage. Newer or more expensive models generally have higher insurance rates due to their higher risk of accidents or theft. The safety ratings, repair costs, and theft rates of different models can also affect insurance rates.

Personal factors, such as driving history, demographics, and location, can also play a role in determining insurance costs. For example, the state you live in can impact insurance rates, as certain states have different requirements for insurance coverage.

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