Subaru Forester Insurance

Insuring Your Subaru Forester

(And how to get the lowest premiums.)

Subaru Forester

There are a lot of factors that contribute to your Subaru Forester's insurance costs. You need the right types of car insurance at a rate you can afford. Don't waste time contacting multiple companies on your own. An independent insurance agent can help you find the right insurance provider. They can even walk you through your options so you get the best possible car insurance coverage.

Not sure where to find an independent insurance agent? 

Click this find-an-agent tool and get matched with a local independent insurance agent who will walk you through your options and help you find the best possible coverage for your Subaru Forester. 

What Kind of Insurance Do You Need for Your Subaru Forester?

Bodily injury liability

If someone is hurt in an accident you caused, your bodily injury liability insurance kicks in to pay for medical care and the costs of recovery. This insurance is often legally required, so it helps to have an agent that understands the local laws. 

Property damage liability

Property damage liability coverage may be required by law. It's a good idea to purchase more than the minimum required amount, though. If the damage exceeds the limits of the policy, you'll have to pay the rest of the bill out of pocket. 

Medical payments/personal injury protection

Depending on where you live, you can choose between medical payments and personal injury protection coverage. Talk with your agent to understand your options. In many states, this type of insurance is mandatory. 

Uninsured motorist coverage

Even though it's illegal to drive without insurance in many areas of the country, people still do it. If you are in an accident with someone who doesn't have the right type or the right amount of insurance, you may be left with the bill. Uninsured and underinsured motorist coverage is optional, and it's a smart choice. 

Optional Coverage:

Collision

If you are in an accident while driving your Forester, collision coverage pays for the damage. This is a great option if your car is newer. Your agent can help you decide if collision coverage is worth it if your vehicle is a few years old. 

Comprehensive

If you hit an animal in the road or vandals damage your Forester, comprehensive coverage will cover the damage. The insurance company will pay to repair or replace your car, up to its fair market value. 

Glass coverage

Replacing a windshield is crucial, but it's also expensive. If you have a zero-deductible glass coverage policy, you don't have to worry about paying hundreds of dollars for a new windshield. 

Gap insurance

If you bought a brand-new Forester and declined the gap insurance at the dealership, talk with your agent about whether you need this coverage. If you are in an at-fault accident and your car is a total loss, this insurance will pay the fair market value to your lienholder. Hopefully, it will be enough to pay off your loan. Without gap coverage, you'll be responsible for paying off the remainder of the debt on your own. 

What Affects the Cost of Insurance for Your Subaru Forester?

Annual mileage: Driving your Forester more than 10,000 to 15,000 miles each year means you'll pay slightly higher insurance premiums. 

Your driving record: Even if you have a moving violation or at-fault accident on your record, you can still get a fair rate for your insurance. It's important to have an independent insurance agent on your side who can shop multiple companies on your behalf. 

The value of your vehicle: The Subaru Forester is a well-equipped vehicle with a price point that's about average for this class of vehicle. You don't have to worry about paying higher premiums for a high-end or luxury vehicle with the Forester. 

Average Subaru Forester Insurance Costs

A 40-year-old Subaru Forester driver with a spotless driving record pays about $1,332 a year for full coverage auto insurance. Liability-only policies cost just $376 per year. New drivers should expect to pay much more. If you have an at-fault accident on your record, you'll pay higher insurance premiums, as well. Your agent can get a personalized quote for you. They can help you understand your options and talk with you about how to get the most insurance value for your dollar. 

The Safety of Your Subaru Forester

The 2020 Subaru Forester is a Top Safety Pick + according to the IIHS. It has superior vehicle-to-vehicle front crash prevention technology that also helps keep insurance premiums low by reducing the likelihood and severity of a crash. The EyeSight Driver-Assist System comes standard across all trim levels with the 2020 Forester. 

How Location Affects Your Subaru Forester Insurance 

Where you live affects your insurance premiums. Drivers who live in large cities are more likely to be in an accident, which means they'll pay higher insurance rates. 

Average annual insurance rates for a 40-year-old Subaru Forester driver: 

Rural Areas:Small Cities:Large Cities:
$1,010$1,413$1,817

Additional Factors That Affect Your Subaru Forester Insurance Premiums

  • Safety features like anti-theft devices
  • Your age
  • Your gender
  • The deductibles you choose
  • Your credit rating

Average Cost to Insure a Subaru Forester

Average annual cost to insure a Subaru Forester with full coverage:$1,346
Teens:$4,758
High-Risk drivers:$2,870
High deductibles:$1,142
Low deductibles:$1,734
Top 3 most expensive states for Subaru Forester insurance:
New York, Michigan, and Florida$1,820
Top 3 most affordable states for Subaru Forester insurance:
Utah, Ohio, and New Hampshire$970

Top Independent Insurance Carriers That Insure the Subaru Forester

According to a recent U.S. Independent Insurance Agent Satisfaction Study by J.D. Power, the following companies provide excellent service to their insurance customers: 

  1. Auto-Owners Insurance
  2. Progressive
  3. Safeco
  4. Travelers

Get a Subaru Forester Quote

An independent insurance agent can help you find great rates for your Subaru Forester insurance. With TrustedChoice.com, you can find an agent in your area, today. Use the Find an Agent tool to connect with a local independent insurance agent and get the best possible auto insurance coverage for your Subaru Forester. 

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TrustedChoice.com Article | Reviewed by Greg Safford

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IIHS, Consumer Reports, Quote Inspector, iii.org, JD Power, Car and Driver