
Subaru Forester drivers typically pay about $147 a month for full coverage insurance policies and $66 for liability-only policies, though rates can differ greatly depending on factors like your location, driving history and insurance provider.
To find the cheapest Subaru Forester car insurance policy, compare premiums from different providers and then consider reducing coverage or forgoing additional features like mechanical breakdown insurance (MBI). Doing this can save money when purchasing auto coverage.
Factors That Affect Insurance Costs
As one might imagine, car insurance rates for a Subaru Forester depend heavily on several variables and factors. To give an approximate idea of costs associated with owning one, we used MoneyGeek's car insurance comparison tool to gather thousands of quotes from providers for a 40-year-old good driver with full coverage from multiple providers for full coverage policies with full coverage policies; these estimates don't account for discounts such as safe driving bonuses which could further lower premiums.
Results revealed that GEICO offers Subaru Forester drivers the lowest car insurance premiums at an average annual premium rate of just $1,064, or 396 dollars less than its nearest competitor Allied (the most costly insurer). Other insurers that provide competitive rates include Nationwide, Erie and USAA.
Your age plays a huge role in how much Forester drivers pay for auto insurance policies; young Forester drivers typically incur the highest costs; however, as you get older your insurance costs should decrease; those aged 25-34 typically pay the least.
Location can have a dramatic effect on how much car insurance costs. Living in states with higher accident and theft rates will increase premium costs; generally speaking, drivers with better driving records pay less for car insurance policies than those with poorer records.
When searching for car insurance, make sure to consider all of the optional coverages that could help secure your financial future in case of a major claim. These could include new car replacement, guaranteed asset protection (GAP) and mechanical breakdown insurance (MBI). These will all serve to safeguard against significant claims in case there's one!
As well as these extras, it may also be worthwhile to explore a usage-based insurance policy for your Subaru Forester. Such policies provide insurance according to how often and for how long you drive - depending on how often and where you use your Subaru Forester as well as where you reside this could save some money in premiums.
Insurance Companies
Subaru Forester owners have many choices when it comes to car insurance for their Subaru Forester. Some providers may be cheaper for some drivers than others; the easiest way to determine this is by comparing quotes quickly. Simply enter your ZIP code below and start gathering quotes from various insurers!
As well as taking into account how much the car costs, insurers also take into account factors like age, driving record, and location when setting rates. Younger drivers tend to pay more because they are seen as riskier behind the wheel; parents may save money by including teenage drivers on their policy instead of purchasing individual policies for them.
Cost of repairs for any given vehicle is another key element when considering insurance rates; as more costly repairs mean higher premiums; therefore, some luxury or sporty models tend to cost more to insure than their counterparts, while cheaper cars with more manageable repair bills tend to have lower premiums.
Finally, it should be mentioned that rates vary based on state. To get the lowest rates possible and save money in premiums for Subaru Forester owners, shop around and compare quotes from different providers - USAA is often one of the cheapest providers for this purpose but is only open to members of the military and their family members.
On average, drivers can expect to pay $61 for liability only and $128 for full coverage insurance each month, although costs can differ significantly depending on where you live and which coverages are selected. Mapfre and Shelter Mutual provide some of the cheapest liability only rates with prices starting as low as $17 monthly coverage - though it should be noted that these figures do not include uninsured/under-insured motorist coverage (UM/UIM) or personal injury protection (PIP), both required in some states; those additional policies could cost significantly - it would be wiser to speak to an agent about selecting policies best suited for yourself!
Costs by State
Subaru Forester car insurance prices depend on your state, insurer and driver. On average, annual rates for new Subaru Foresters tend to start around $1,471, which surpasses national averages for other popular SUV models. This price tag includes comprehensive and collision coverage with a $500 deductible per incident as well as bodily injury liability of $250,000 per person injured in an accident. Drivers can reduce rates by selecting higher deductibles or bundling their policies to get discounts such as home and auto.
Age plays an important part in insurance rates for an older vehicle like a Subaru Forester; older cars depreciate over time and on average drivers with an 11-14-year-old Forester will pay between $59 to $116 monthly in liability-only premiums; those owning newer models usually incur between $206 to $362 annual premiums; additionally, cost-cutting measures such as including teenage drivers on their parent's policy can help keep costs low; it is often less costly for them than purchasing separate coverage individually.
Drivers of Subaru Forester cars can save money on car insurance by lowering their risk profile, shopping around for quotes every couple of years and cutting unnecessary coverage. Drivers can also take advantage of discounts for safety features like rearview cameras, anti-theft devices and anti-lock brakes as well as accident forgiveness which makes qualifying for lower premiums easier in case of an incident.
When it comes to Subaru Forester car insurance, comparing prices across multiple companies and taking into account any discounts available is the key to saving. Use the tool above to quickly compare quotes from top insurers like GEICO, Allied and USAA; other ways include bundling policies together or raising your deductible as well as maintaining a clean driving record - ultimately paying less will allow drivers to enjoy their Subaru Foresters more. For more information visit our guide on saving on car insurance or our list of top providers.
Discounts
Subaru Forester car owners can find affordable rates if they know where to look. By taking the time and effort to comparison shop and qualify for all available discounts, owners of 2024 Subaru Foresters can save money on premiums. Its safety ratings make this an excellent option for families needing an SUV capable of taking on rugged terrain; in fact, U.S. News & World Report even awarded this SUV the title "Best Compact SUV for Families."
MoneyGeek made this easier for drivers by compiling quotes from various insurers to show what it would cost to insure a Subaru Forester with both comprehensive and collision coverage at once. To facilitate this comparison process, MoneyGeek gathered quotes of how much both types of coverage could cost them.
Subaru Forester drivers typically pay on average $907 annually for full coverage policies and $1,303 annually for liability only policies. GEICO typically offers the most cost-effective coverage options while Allied offers more expensive policies online or through local independent agents. Affordable coverage options can also be found from smaller providers that provide policies online or through independent agents.
Other than location and driving record, factors that affect Subaru Forester car insurance costs include age, credit history, and type of coverage purchased. In general, older drivers pay more for insurance than younger ones; teens may often be included under their parents' policy to save money and ensure safety behind the wheel.
Rural drivers tend to enjoy lower insurance premiums due to reduced accident risk. Furthermore, married drivers typically enjoy cheaper rates compared to single drivers.
Subaru Forester car insurance rates outlined here are estimated for drivers aged 40 with clean driving records, $500 comprehensive and collision deductibles, and minimum liability limits. To access personalized quotes based on your individual driver profile quickly and efficiently, enter your zip code below to compare quotes from some of the top auto insurers instantly.