Best Subaru Forester Car Insurance in 2024 (Your Guide to the Top 10 Companies)
Geico, State Farm, and Erie offer the best Subaru Forester car insurance, with rates starting at $43 per month. Geico stands out as the top choice for affordability and comprehensive coverage, while State Farm and Erie provide excellent options for balanced protection and savings.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
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UPDATED: Aug 12, 2024
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 12, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Company Facts
Full Coverage for Subaru Forester
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Full Coverage for Subaru Forester
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Full Coverage for Subaru Forester
A.M. Best Rating
Complaint Level
Pros & Cons
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
Company Rank Multi-Policy Discount A.M. Best Best For Jump to Pros/Cons
#1 25% A++ Accident Forgiveness Geico
#2 17% B Reliable Service State Farm
#3 25% A+ Filing Claims Erie
#4 10% A++ Military Families USAA
#5 12% A+ Online Tools Progressive
#6 20% A+ Bundling Options Nationwide
#7 25% A+ Feature Options Allstate
#8 20% A+ Customer Service Amica
#9 10% A++ Policy Customization Travelers
#10 15% A Claims Process Farmers
These companies offer the best balance of cost and coverage for Subaru Forester owners. Learn more in our “Car Insurance Coverage Limits: Explained Simply.”
Find cheap Subaru Forester car insurance quotes by entering your ZIP code above.
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#1 – Geico: Top Overall Pick
Pros
- Accident Forgiveness: Geico offers accident forgiveness for Subaru Forester drivers, preventing rate hikes after your first at-fault accident.
- Multi-Policy Discount: A 25% discount for bundling policies helps lower costs for Subaru Forester insurance. See more details on our article called “Geico Car Insurance Review.”
- Rating: Geico’s A++ rating from A.M. Best underscores its exceptional financial stability and reliability, making it a top choice for Subaru Forester insurance.
Cons
- Limited Local Discounts: Some local discounts for Subaru Forester may not be available in all regions.
- Customer Service: Geico’s customer service can be inconsistent, which might impact claims handling for Subaru Forester owners.
#2 – State Farm: Best for Reliable Service
Pros
- Reliable Service: State Farm is known for its dependable service, which is valuable for Subaru Forester owners needing consistent support. More information is available about this provider in our guide titled “State Farm Car Insurance Review.”
- Multi-Policy Discount: Subaru Forester drivers can benefit from a significant discount when bundling multiple policies with State Farm.
- Local Agent Support: Personalized service through local agents ensures tailored insurance solutions for Subaru Forester owners.
Cons
- Lower A.M. Best Rating: State Farm’s B rating from A.M. Best may indicate less financial strength compared to competitors, which could impact the stability of coverage for your Subaru Forester.
- Higher Premiums: Even with discounts, Subaru Forester premiums might be higher compared to other providers.
#3 – Erie: Best for Filing Claims
Pros
- Efficient Claims Process: Erie is noted for its fast and efficient claims handling for Subaru Forester drivers. Read up on the “Erie Car Insurance Review” for more information.
- Multi-Policy Discount: Offers a substantial discount for bundling policies, reducing costs for Subaru Forester insurance.
- Rating: Erie’s A+ rating from A.M. Best highlights its strong financial stability and reliability, making it a top choice for Subaru Forester insurance.
Cons
- Limited Nationwide Availability: Erie’s services are not available in all states, which may affect Subaru Forester owners outside its service areas.
- Customer Service Variability: Service quality can vary by region, potentially impacting Subaru Forester drivers’ claims experiences.
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#4 – USAA: Best for Military Families
Pros
- Exclusive Military Discounts: USAA offers tailored discounts for military families insuring their Subaru Forester. Check out insurance savings in our complete guide titled “USAA Car Insurance Review.”
- Rating: USAA’s top A++ rating from A.M. Best underscores its exceptional financial stability, making it a reliable choice for Subaru Forester insurance.
- Accident Forgiveness: Includes accident forgiveness benefits for Subaru Forester drivers, protecting against rate increases after an initial at-fault accident.
Cons
- Eligibility Restrictions: Only available to military members and their families, limiting access for non-military Subaru Forester owners.
- Limited Coverage Options: Some coverage options for the Subaru Forester may be restricted compared to broader market offerings.
#5 – Progressive: Best for Online Tools
Pros
- Advanced Online Tools: Progressive provides robust online tools for managing Subaru Forester insurance policies and claims.
- Multi-Policy Discount: Subaru Forester drivers can save with a discount when bundling policies with Progressive. Discover more about offerings in our article called “Progressive Car Insurance Review.”
- Rating: Progressive’s A+ rating from A.M. Best highlights its strong financial health and reliability, making it a dependable choice for Subaru Forester insurance.
Cons
- Complex Policy Options: The wide range of options can be overwhelming for Subaru Forester owners.
- Variable Customer Service: Service quality can vary, which may affect the insurance experience for Subaru Forester drivers.
#6 – Nationwide: Best for Bundling Options
Pros
- Comprehensive Bundling Discounts: Nationwide offers attractive discounts for bundling multiple policies, benefiting Subaru Forester drivers.
- Multi-Policy Discount: Significant savings on Subaru Forester insurance are available through bundling multiple policies. Access comprehensive insights into our article called “Nationwide Car Insurance Discounts.”
- Rating: Nationwide’s A+ rating from A.M. Best underscores its strong financial stability for Subaru Forester insurance, ensuring reliable coverage options.
Cons
- Higher Initial Premiums: Initial premiums for Subaru Forester insurance may be higher before bundling discounts are applied.
- Limited Regional Discounts: Some regional discounts might not be available for Subaru Forester insurance.
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#7 – Allstate: Best for Feature Options
Pros
- Extensive Feature Options: Allstate offers a range of features and add-ons for Subaru Forester coverage. Delve into our evaluation of “Allstate Car Insurance Review.”
- Multi-Policy Discount: Subaru Forester drivers benefit from significant savings with multi-policy bundling.
- Rating: An A+ rating from A.M. Best reflects Allstate’s strong financial standing and reliability for Subaru Forester insurance.
Cons
- Complex Pricing Structure: The wide array of features can lead to a complex pricing structure for Subaru Forester insurance.
- Variable Coverage Costs: Costs for insuring your Subaru Forester may vary significantly based on the selected features and coverage options.
#8 – Amica: Best for Customer Service
Pros
- Outstanding Customer Service: Amica is renowned for its excellent customer service for Subaru Forester drivers.
- Multi-Policy Discount: Offers substantial savings for Subaru Forester owners who bundle multiple policies. Unlock details in our article called “Amica vs. Progressive Car Insurance Comparison.”
- Rating: Amica’s A+ rating from A.M. Best highlights its financial reliability and customer trust for Subaru Forester insurance.
Cons
- Higher Premiums: Premiums might be higher for Subaru Forester insurance compared to some competitors.
- Limited Local Presence: Amica’s service may be limited in certain areas, affecting availability for Subaru Forester owners.
#9 – Travelers: Best for Policy Customization
Pros
- Flexible Policy Customization: Travelers provides extensive options for customizing Subaru Forester insurance coverage.
- Multi-Policy Discount: Subaru Forester drivers can save with a discount when bundling policies. Discover insights in our article called “Travelers Car Insurance Review.”
- Rating: Travelers’ A++ rating from A.M. Best signifies strong financial stability for Subaru Forester insurance.
Cons
- Potentially Higher Costs: Customized policies might lead to higher premiums for Subaru Forester insurance.
- Complex Policy Management: The extensive customization options for Subaru Forester insurance may complicate policy management.
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#10 – Farmers: Best for Claims Process
Pros
- Efficient Claims Handling: Farmers excels in managing and processing claims for Subaru Forester drivers. If you want to learn more about the company, head to our article called “Farmers Car Insurance Review.”
- Multi-Policy Discount: Significant savings available for Subaru Forester owners who bundle multiple policies.
- Rating: Farmers’ A rating from A.M. Best highlights its solid financial health, making it a reliable choice for Subaru Forester insurance.
Cons
- Limited Discounts for New Customers: New customers may not receive as many discounts initially for Subaru Forester insurance.
- Customer Service Variability: Service quality can vary, potentially impacting the claims experience for Subaru Forester owners.
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
Insurance Company Minimum Coverage Full Coverage
Allstate $88 $125
Amica $85 $98
Erie $54 $88
Farmers $77 $117
Geico $43 $112
Nationwide $81 $114
Progressive $61 $92
State Farm $69 $113
Travelers $72 $119
USAA $65 $97
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.
Subaru Forester Insurance Cost
The average auto insurance rates for a Subaru Forester cost $1,346 a year or $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.
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How Costly is Insurance for a Subaru Forester
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 |
However, there are a few things you can do to find the cheapest Subaru insurance rates online. More information is available about this provider in our article called “How Do You Get Competitive Quotes for Car Insurance?”
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. 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.
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 |
By understanding these variations, Subaru Forester owners can make better-informed choices about their insurance and look for opportunities to lower their premiums.
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.
Younger drivers typically encounter higher premiums for their Subaru Forester compared to older drivers, resulting in significant monthly cost differences.
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.
This knowledge allows you to make informed decisions about Subaru Forester insurance coverage and possibly find ways to reduce costs by considering your location’s impact on premiums.
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 |
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.
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’s crash test ratings are essential for determining insurance costs. High safety ratings usually lead to lower premiums, while poor ratings can drive up costs.
Geico’s competitive rates and robust discounts make it the leading option for affordable Subaru Forester insurance.
Michelle Robbins Licensed Insurance Agent
With consistently strong ratings in frontal and side impacts, the Forester’s safety features could help reduce insurance expenses.
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.
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 |
The lower percentage means lower Subaru Forester car insurance rates; higher percentages mean higher Subaru Forester auto insurance rates.
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.”
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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.
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.”
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 |
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.
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.
Geico’s accident forgiveness program ensures that Subaru Forester drivers don’t see a rate increase after their first accident.
Daniel Walker Licensed Insurance Agent
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 were rated as good.
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.
Frequently Asked Questions
How much does insurance for a Subaru Forester cost on average?
The average annual cost of insurance for a Subaru Forester is $1,346 or $112 per month.
Are Subaru Foresters expensive to insure?
Compared to other SUVs, Subaru Foresters tend to have affordable insurance rates.
What factors affect Subaru Forester insurance cost?
The cost of insurance for a Subaru Forester is influenced by factors such as the vehicle’s age, driver’s age and location, driving record, and safety features.
How do safety ratings impact Subaru Forester insurance rates?
Higher safety ratings can lead to lower insurance premiums as safer vehicles are considered less risky to insure.
How can I save money on Subaru Forester insurance?
To save on Subaru Forester insurance, compare quotes from multiple insurers, take advantage of discounts, consider a higher deductible, and maintain a clean driving record.
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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.