Cheap Subaru Forester Car Insurance in 2024 (Top 10 Companies for Savings)

Progressive, USAA, and State Farm are the top providers for cheap Subaru Forester car insurance, offering competitive rates as low as $42 per month. See if you’re getting the best deal on car insurance by entering your ZIP code above.

This article explores the factors influencing insurance premiums, including age, driving record, location, and coverage options, to help you secure affordable coverage.

Our Top 10 Company Picks: Cheap Subaru Forester Car Insurance

Progressive stands out for its balance of cost and comprehensive offerings. Read on for tips to lower your premiums and ensure you get the best deal for your Subaru Forester.

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#1 – Progressive: Top Overall Pick

Pros

• Snapshot Program: Progressive’s Snapshot program offers discounts based on safe driving habits. Subaru Forester owners can benefit from these discounts due to the car’s advanced safety features, which promote safer driving, according to Progressive insurance review & ratings.
• Multi-policy Discounts: Progressive provides discounts when you bundle multiple policies, such as home and auto insurance. Subaru Forester owners can save significantly by combining different types of insurance.
• Continuous Insurance Discount: Progressive rewards customers who maintain continuous auto insurance coverage, reducing overall premiums for responsible Subaru Forester owners.

Cons

• Customer Service: Progressive receives mixed reviews regarding customer service quality, with some customers reporting unsatisfactory experiences.
• Claims Process: There are reports of a slower claims process, which can be a drawback for Subaru Forester owners who require prompt resolution of their claims.

#2 – USAA: Best for Military Benefits

Pros

• Military Benefits: USAA offers exclusive discounts and benefits for military members and their families. This is highly advantageous for Subaru Forester owners who are eligible for USAA membership, as highlighted in the USAA insurance review & ratings.
• Comprehensive Coverage Options: USAA offers a wide range of coverage options tailored to Subaru Forester owners, ensuring extensive protection.
• Accident Forgiveness: USAA’s accident forgiveness program prevents premium increases after the first at-fault accident, benefiting Subaru Forester owners who might experience an unexpected incident.

Cons

• Eligibility Restrictions: USAA is only available to military members, veterans, and their families, limiting access for some Subaru Forester owners.
• Limited Physical Locations: USAA has fewer physical branches compared to other insurers, which can be inconvenient for Subaru Forester owners preferring in-person service.

#3 – State Farm: Best for Safe Driver Discounts

Pros

• Safe Driver Discounts: State Farm offers discounts for maintaining a good driving record, which aligns well with the Subaru Forester’s reputation for safety.
• Rental Car and Travel Expenses Coverage: State Farm offers coverage for rental cars and travel expenses, useful for Subaru Forester owners who travel frequently.
• Steer Clear Program: Aimed at young drivers, this program offers discounts for safe driving habits, which can be beneficial for families with young Subaru Forester drivers.

Cons

• Higher Premiums: State Farm may have higher premiums compared to some competitors, which can be a drawback for budget-conscious Subaru Forester owners, as noted in the State Farm insurance review & ratings.
• Limited Online Tools: State Farm’s online management tools are less robust than those offered by some competitors, which might be a disadvantage for tech-savvy Subaru Forester owners.

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#4 – The General: Best for Affordable Rates

Pros

• Affordable Rates: The General offers competitive pricing for basic coverage, making it an attractive option for Subaru Forester owners looking to save on insurance, according to The General car insurance review & ratings.
• Flexible Payment Options: The General provides various payment plans, offering flexibility to Subaru Forester owners in managing their insurance costs.
• SR-22 Filing: The General can file an SR-22 for high-risk drivers who need proof of insurance, which can be crucial for certain Subaru Forester owners.

Cons

• Customer Service: The General has mixed reviews regarding customer service responsiveness, with some Subaru Forester owners reporting unsatisfactory experiences.
• Coverage Options: The General offers fewer coverage options and add-ons compared to other insurers, potentially limiting choices for Subaru Forester owners seeking comprehensive coverage.

#5 – American Family: Best for Multi-Policy Discounts

Pros

• Multi-Policy Discounts: American Family provides significant discounts for bundling multiple policies, such as home and auto insurance, offering savings to Subaru Forester owners, as noted in the American Family insurance review & ratings.
• Teen Safe Driver Program: This program helps reduce premiums for families with young drivers by promoting safe driving habits, which is beneficial for Subaru Forester owners with teenage drivers.
• DriveMyWay Program: Offers personalized coverage options based on individual driving habits, tailoring policies to the specific needs of Subaru Forester owners.

Cons

• Availability: American Family’s coverage is not available in all states, which can be a limitation for some Subaru Forester owners.
• Higher Premiums: Some customers report higher premiums compared to other insurance companies, which might be a concern for budget-conscious Subaru Forester owners.

#6 – AAA: Best for Membership Perks

Pros

• Membership Perks: AAA offers access to roadside assistance and other member benefits, which can be highly valuable for Subaru Forester owners.
• Discounts: AAA provides multiple discounts, including for safety features, multi-policy bundling, and good driving records, which align well with Subaru Forester’s safety reputation.
• Comprehensive Coverage Options: AAA offers a range of coverage options to suit different needs, providing tailored protection for Subaru Forester owners.

Cons

• Membership Requirement: You must be a AAA member to get insurance, which adds an additional cost for Subaru Forester owners.
• Higher Premiums: AAA can have higher premiums compared to some other insurers, which might be a concern for those looking for cheaper options, as noted in the AAA insurance review & ratings.

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#7 – Travelers: Best for Extensive Coverage Options

Pros

• Extensive Coverage Options: Travelers provides a wide range of coverage options, allowing Subaru Forester owners to customize their policies, as mentioned in the Travelers insurance review & ratings.
• New Car Replacement: This coverage option offers replacement of a new car within the first few years, which can be beneficial for new Subaru Forester owners.
• Safe Driver Discounts: Travelers rewards safe driving habits with discounts, aligning with the Subaru Forester’s safety features.

Cons

• Average Customer Service: Customer service ratings are average, with some Subaru Forester owners reporting less satisfactory experiences.
• Higher Premiums: Some users report higher premiums compared to other insurers, which might be a concern for those seeking more affordable options.

#8 – Safeco: Best for Bundling Discounts

Pros

• Bundling Discounts: Safeco offers savings for bundling auto and home insurance, which can be advantageous for Subaru Forester owners with multiple insurance needs.
• Accident Forgiveness: Safeco’s accident forgiveness program prevents rate hikes after the first at-fault accident, benefiting Subaru Forester owners, as highlighted in the Safeco insurance review & ratings.
• Diminishing Deductible: Rewards safe driving by reducing the deductible over time, providing additional savings for Subaru Forester owners.

Cons

• Claims Process: Some customers report a slower claims process, which can be a drawback for Subaru Forester owners who need quick resolution.
• Customer Service: Mixed reviews on customer service quality, with some Subaru Forester owners reporting unsatisfactory experiences.

#9 – Liberty Mutual: Best for 

Pros

• Comprehensive Coverage Options: Liberty Mutual provides extensive coverage options and add-ons, allowing Subaru Forester owners to customize their insurance.
• Accident Forgiveness: Prevents rate increases after the first accident, providing peace of mind to Subaru Forester owners.
• Better Car Replacement: Replaces your totaled car with one that is a year newer and has fewer miles, offering additional value to Subaru Forester owners.

Cons

• Higher Premiums: Liberty Mutual can be more expensive compared to other insurers, which might be a concern for budget-conscious Subaru Forester owners, as noted in the Liberty Mutual Review & Ratings.
• Customer Service: Mixed reviews on customer service responsiveness, with some Subaru Forester owners reporting less satisfactory experiences.

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#10 – Nationwide: Best for Vanishing Deductible

Pros:

• Vanishing Deductible: Nationwide’s Vanishing Deductible program reduces your deductible over time with safe driving, providing savings for Subaru Forester owners, according to Nationwide insurance review & ratings.
• SmartRide Program: Offers discounts for safe driving habits, which can be beneficial for Subaru Forester owners who drive safely.
• Multi-policy Discounts: Nationwide provides savings for bundling multiple insurance policies, such as home and auto, offering cost-effective solutions for Subaru Forester owners.

Cons:

• Higher Premiums: Some customers report higher premiums, which might be a concern for those seeking cheaper insurance options.
• Availability: Coverage options may vary by state, limiting choices for some Subaru Forester owners.

When it comes to calculating car insurance premiums for your Subaru Forester, several factors come into play. These include your age, driving record, location, coverage options, deductible amount, and the specific model of the Subaru Forester you own. Insurance providers use a range of data to assess risk levels associated with these factors and determine the appropriate premium rate.

Your age is an important consideration as younger drivers often face higher insurance costs due to lack of experience and statistically higher accident rates. Additionally, your driving record plays a significant role, as drivers with a history of accidents or traffic violations are generally deemed higher risk and may face increased premiums.

The location where you reside also affects car insurance rates. Areas with higher crime rates or heavy traffic congestion tend to have higher rates due to increased risk of accidents or vehicle theft.

Furthermore, the specific coverage options and deductible amount you choose for your Subaru Forester influence your premium cost. Opting for comprehensive coverage, which protects against damages not related to collisions, can increase your premium, while choosing a higher deductible can lower it.

Lastly, the model of your Subaru Forester can impact your car insurance premiums. Insurance companies take into account the vehicle’s safety features, cost of repairs, and historically higher or lower incident rates, among other factors, when determining the premium rate.

Comparing Subaru Car Insurance Rates

When comparing car insurance rates for different Subaru models, it’s important to consider the varying factors that influence premiums. While the Subaru Forester is generally regarded as an affordable midsize SUV to insure, there can still be variations depending on the specific model and trim level.

Subaru Forester Car Insurance Monthly Rates by Coverage Level & Provider

Insurance providers consider factors such as the vehicle’s safety ratings, theft rates, repair costs, and overall desirability when pricing premiums. This means that a Subaru Forester with additional safety features and a higher trim level may have slightly higher insurance rates compared to a base model with fewer safety features.

It’s advisable to obtain quotes from multiple insurance providers, ensuring you provide accurate details about the specific Subaru Forester model you own or plan to purchase. By comparing rates, you can choose the insurance company that offers the most competitive premium for your specific Subaru Forester model.

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Finding the Best Subaru Forester Insurance Deal

When it comes to car insurance, the importance of shopping around cannot be overstated. Insurance rates can vary considerably between providers, and taking the time to compare quotes can result in significant savings. Online comparison tools make it easier than ever to obtain multiple quotes from different insurance companies.

By entering your Subaru Forester details and coverage preferences, you can quickly receive tailored quotes that fit your needs. Taking advantage of these tools can help you identify the insurance companies offering the most competitive rates for your Subaru Forester. Discover our comprehensive guide to “Insurance Quotes Online” for additional insights.

In addition to comparing premiums, it’s also important to consider the reputation and reliability of the insurance providers. Reading customer reviews and checking their financial ratings can give you a better understanding of their service quality.

Remember that while cost is a crucial factor, it’s equally important to ensure the insurance company you choose provides sufficient coverage and excellent customer service. Strike a balance between affordability and quality coverage to secure the best Subaru Forester car insurance deal for your needs.

The average cost of Subaru Forester car insurance can vary significantly from one state to another. Insurance rates are influenced by a variety of factors, including state-specific laws, regulations, weather conditions, accident rates, and crime rates. These factors can affect the overall risk associated with insuring a Subaru Forester in a particular state.

For example, states with high population densities and heavy traffic tend to have higher car insurance rates due to the increased likelihood of accidents and theft. Additionally, states with harsh weather conditions, such as frequent storms or icy roads, may experience higher rates due to the increased risk of accidents and damage.

To give you a general idea, let’s consider some average monthly Subaru Forester car insurance costs across a few states. Please note that these are estimates and individual rates can vary based on personal circumstances and other factors:

• California: $100 to $125
• Texas: $85 to $110
• New York: $110 to $145
• Florida: $125 to $170

It’s important to remember that these figures are not definitive and should only serve as a reference. Obtaining personalized quotes from insurance providers in your specific state is the most accurate way to determine the cost of Subaru Forester car insurance for you. For further details, check out our in-depth “What states require car insurance?” article.

Lowering Subaru Forester Insurance Premiums

Lowering your Subaru Forester insurance premiums can save you a significant amount of money over time. Whether you’re a new driver or have years of experience, there are several strategies you can employ to reduce your insurance costs.

From exploring different coverage options to taking advantage of discounts, this guide will provide you with practical tips to help you lower your Subaru Forester insurance premiums without compromising on the protection you need.

Paying high car insurance premiums can be a burden, but there are ways to potentially reduce your Subaru Forester car insurance costs:

• Maintain a Good Driving Record: Avoid accidents and traffic violations to demonstrate responsible driving behavior and lower your premium costs.
• Increase Your Deductible: Consider raising your deductible amount, which can lower your premium. However, make sure you choose a deductible that you can comfortably afford to pay in the event of a claim.
• Take Advantage of Discounts: Many insurance companies offer various discounts, such as safe driver discounts, multi-vehicle discounts, or discounts for bundling multiple policies. Inquire about available discounts to maximize your savings.
• Install Safety Features: Adding extra safety features to your Subaru Forester, such as anti-theft devices or electronic stability control, may reduce your insurance premiums. Check with your insurance provider for a list of approved safety features that can potentially earn you discounts.
• Shop Around for the Best Deal: Obtain quotes from multiple insurance providers to compare rates and coverage options. This allows you to make an informed decision and potentially secure a more affordable policy.

Implementing these tips can help you lower the cost of your Subaru Forester car insurance. However, it’s essential to strike a balance between cost savings and maintaining sufficient coverage to protect yourself and your vehicle in case of an unexpected event. Learn more by visiting our detailed “What is the difference between a deductible and a premium in car insurance?” section.

Subaru vehicles, including the Forester, are renowned for their safety features and high safety ratings. These safety features can potentially have a positive impact on your car insurance rates. Dive deeper into “Safety Car Insurance Discounts” with our complete resource.

Insurance companies value vehicles equipped with advanced safety technologies that help reduce the risk of accidents and injuries. The Subaru Forester often includes safety features like pre-collision braking, adaptive cruise control, lane keep assist, blind-spot detection, and rear cross-traffic alert.

By having these safety features in your Subaru Forester, you may be eligible for insurance discounts. Insurance providers recognize that the presence of such features can reduce the likelihood of accidents and, in turn, lower the potential costs associated with insurance claims.

It’s important to check with your insurance provider about the specific safety features in your Subaru Forester and inquire if they offer any discounts related to these features. By taking advantage of available discounts, you can enjoy the added peace of mind knowing your vehicle is protected at a potentially lower cost.

Bundling your Subaru Forester car insurance with other policies can offer multiple benefits, including potential cost savings and enhanced convenience. Many insurance companies provide multi-policy discounts when you combine your car insurance with other types of insurance, such as homeowners, renters, or umbrella insurance.

Bundling your policies with one insurance provider can lead to lower overall premium costs. In addition to potential savings, bundling your insurance policies simplifies your life by having a single insurance company managing multiple policies. This means a streamlined claims process and improved customer service experience when you need assistance with any of your policies.

When considering bundling your Subaru Forester car insurance, evaluate the specific terms and conditions offered by insurance providers. Compare the overall cost and coverage of bundled policies with individual policies to ensure you are getting the best value and proper coverage tailored to your needs. Read our extensive guide on “Can I bundle my car insurance with other policies?” for more knowledge.

Driving Record’s Impact on Subaru Forester Insurance Costs

Your driving record is a key factor in determining your Subaru Forester car insurance costs, as insurance companies view it as a reflection of your risk as a driver. A clean driving record with no accidents or violations usually results in lower premiums, as you are considered a low-risk driver.

Conversely, a history of accidents or traffic violations can lead to higher insurance costs, as you are seen as a higher risk. Insurance companies typically review your driving history from the past three to five years to set your premium, so maintaining a good record can help you secure lower rates over time.

Additionally, some insurers offer accident forgiveness programs for drivers with a generally clean record, which can prevent an accident or violation from increasing your premium. It’s a good idea to explore these programs to find the most cost-effective insurance options for your Subaru Forester. Continue reading our full “Full Coverage Car Insurance: A Complete Guide” guide for extra tips.

Choosing the right deductible for your Subaru Forester car insurance policy is an important decision that can significantly impact your insurance premiums and out-of-pocket costs in the event of a claim. For more information, explore our informative “What is the difference between a deductible and a premium in car insurance?” page.

The deductible is the amount you agree to pay out of pocket before your insurance coverage kicks in. Insurance providers offer different deductible options, typically ranging from $250 to $1,000 or more. The higher the deductible you choose, the lower your insurance premium will likely be.

When deciding on the appropriate deductible amount, consider your financial situation and ability to pay the deductible in the event of a claim. It’s important to choose a deductible that you’re comfortable with, as you’ll be responsible for paying that amount before your insurance coverage applies.

If you have enough savings or a robust emergency fund, opting for a higher deductible can help lower your premium costs. However, make sure you can comfortably afford the deductible amount without causing financial strain.

Conversely, if you prefer a lower deductible that minimizes your immediate out-of-pocket expenses, bear in mind that your insurance premium will likely be higher. Assessing your financial situation and considering your comfort level with deductibles will aid in selecting the right option for your Subaru Forester car insurance policy.

Comprehensive vs. Collision Coverage for Subaru Forester

When purchasing car insurance for your Subaru Forester, you’ll typically have the option to include comprehensive and collision coverage in your policy. Collision coverage protects your vehicle in the event of an accident with another vehicle or object, regardless of fault. This coverage will pay for repair costs to your Subaru Forester, up to the vehicle’s actual cash value minus your deductible.

Comprehensive coverage safeguards your vehicle against damages caused by non-collision incidents, such as theft, vandalism, fire, falling objects, or natural disasters. Similarly, comprehensive coverage reimburses you for damages to your Subaru Forester up to its actual cash value, minus your chosen deductible.

It’s important to note that collision and comprehensive coverage are not mandatory, but they can provide valuable protection depending on your needs and circumstances. If you lease your Subaru Forester or have an auto loan, your lender may require you to carry both collision and comprehensive coverage until the vehicle is paid off.

When considering these coverage options, balance your desired level of protection with your budget. Assess the potential cost of repairs or replacement for your Subaru Forester and evaluate if the added coverage is worth the premium cost. Get more insights by reading our expert “Collision vs. Comprehensive Car Insurance” advice.

Subaru Forester Insurance Discounts and Savings

Insurance providers often offer various discounts and savings options specifically designed for Subaru Forester car insurance. Familiarizing yourself with these discounts can potentially save you money on your premium.

Common discounts for Subaru Forester car insurance include:

• Good Driver Discount: If you have a clean driving record, you may be eligible for this discount.
• Multi-vehicle Discount: Insuring multiple vehicles with the same insurance provider can often result in discounted rates.
• Low Mileage Discount: If you drive your Subaru Forester less frequently, you could qualify for a lower premium.
• Safety Features Discount: Equipping your Subaru Forester with safety features such as anti-lock brakes or airbags can earn you additional savings.
• Association or Group Discount: Check if any professional associations or organizations you belong to offer insurance discounts through partnered insurance providers.

These are just a few examples of the discounts that may be available to you. It’s crucial to communicate with insurance providers, inquire about all possible discounts, and ensure you receive all the savings you qualify for.

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Leasing vs. Owning a Subaru Forester: Insurance Costs Pros and Cons

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