Finding the best cheap car insurance for a Subaru Forester is usually pretty straightforward, but it is dependent upon lots of different rating factors such as whether you are married, whether or not you garage your vehicle, and driving violations. Drivers in North Carolina pay on average $873 a year for Forester insurance, but that figure is an estimate calculated based on a 40-year-old single male driver with full comprehensive and collision coverage and $250 deductibles.
Odds are that you may not be 40 years old (or even male), you might be married instead of single, or maybe you need higher liability limits than the state minimum. There is no one cookie-cutter policy that works for everyone, so the way we recommend to find cheap insurance prices for your Subaru is to compare rates from as many companies as possible. To start saving now, get free quotes and you will be able to compare rates from the best companies that insure Subaru vehicles in North Carolina.
Cheapest Subaru Forester Insurance Rates
The specific model of Forester has an effect on the annual cost of coverage, so the rate you will pay to insure a Forester X AWD model will be $94 cheaper than the price to insure the high end Forester XT Limited Edition W/Navigation AWD version, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forester X AWD | $212 | $372 | $256 | $16 | $76 | $932 | $78 |
| Forester X Premium AWD | $212 | $372 | $256 | $16 | $76 | $932 | $78 |
| Forester X Premium AWP AWD | $212 | $372 | $256 | $16 | $76 | $932 | $78 |
| Forester X Limited Edition AWD | $238 | $372 | $256 | $16 | $76 | $958 | $80 |
| Forester X Limited Edition W/Navigation AWD | $238 | $440 | $256 | $16 | $76 | $1,026 | $86 |
| Forester XT AWD | $238 | $440 | $256 | $16 | $76 | $1,026 | $86 |
| Forester XT Limited Edition AWD | $238 | $440 | $256 | $16 | $76 | $1,026 | $86 |
| Forester XT Limited Edition W/Navigation AWD | $238 | $440 | $256 | $16 | $76 | $1,026 | $86 |
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Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Price information does not factor in specific Greensboro garaging location which can revise coverage rates greatly.
Choosing a highly-rated insurer can be challenging considering how many companies there are to choose from in Greensboro. The information shown below could help you pick which companies to look at when trying to find the cheapest insurance for a Subaru Forester.
These ratings are only made up of large, nationwide insurance companies, so companies that focus mainly on North Carolina business are not included in these rankings. If you wish to compare rates from these top insurers and more, simply click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
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Data Source: Insure.com Best Car Insurance Companies
Cautious drivers save money
The ideal way to maintain the cheapest insurance rates for a Forester is to be a good driver and avoid accidents and traffic citations. The diagram below shows how speeding tickets and at-fault fender-benders can drive up auto insurance rates for each different age category. The data is based on a single male driver, full coverage, $500 deductibles, and no discounts are applied to the premium.
The data charted above shows the average cost of an auto insurance policy per year with no accidents and a clean driving record is $1,317. Factor in one speeding ticket and the average cost rises to $1,482, an increase of $164 each year. Next add two accidents along with the one speeding ticket and the 12-month cost of insurance for a Subaru Forester goes up to an average of $2,907. That’s an increase of $1,590, or $132 per month, just for a couple of infractions!
Cost of full coverage in Greensboro
Finding cheaper insurance is important to the majority of people, and an easy way to save on the cost of insurance for a Subaru Forester is to only buy liability insurance. The information below shows the difference between car insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The information is based on no accidents, no driving violations, $100 deductibles, drivers are single, and no discounts are applied.
Averaged for all ages 20 through 70, full coverage on your policy costs $1,630 per year more than carrying just liability coverage. Many people question when is the right time to remove full coverage. There isn’t a steadfast formula of when to drop physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of having full coverage is 10% or more of the settlement you would receive from your company, then it may be the right time to buy liability only.
For example, let’s assume your vehicle’s settlement value is $11,500 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would get paid by your company is $10,500 after the deductible is paid. If you are paying more than $1,050 a year for comprehensive and collision coverage, then it’s probably a good time to buy liability coverage only.
There are a few cases where only buying liability is not a good plan. If you still have a lienholder on your title, you are required to maintain full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not consider dropping full coverage.
How to find low-cost auto insurance for a Subaru Forester
It is possible to find better rates, and here are some of the better money-saving ideas that can help North Carolina drivers locate lower-cost coverage.
- Buy a car with high safety ratings
- Pay cheaper rates with good credit scores
- Higher physical damage deductibles lower rates
- Do not pay for full coverage if not needed
- Buying car and homeowners insurance together can save money
- If possible, pay for small claims out-of-pocket
- Compare prices frequently to find the best deal
That last tip is very crucial, as we emphasized in this write-up. Prices charged by companies can be changed at any time, so you should be ready to switch companies if you can save money. Being loyal to a particular company is commendable, but is isn’t recommended if that inflexibility results in costing you a wad of cash every year. Now is a great time to compare rates and find cheaper car insurance for a Subaru Forester in Greensboro.
The agents listed below are willing to provide answers to your questions and help you determine which auto insurance policy would work best for you, as some drivers wish to have some advice when buying car insurance for a Subaru Forester. It can be complicated to find the cheapest rates, and using a licensed agent can add peace of mind knowing your coverage gives you enough coverage if you have a claim. To locate an agency closest to you, click the link after the list.
Craft Insurance
823 N Elm St – Greensboro, NC 27401 – (336) 375-0600
Barnett-Smith Insurance
218 N Eugene St – Greensboro, NC 27401 – (336) 272-4554
Necota Smith Jr – State Farm Insurance Agent
2607 Randleman Rd Ste B – Greensboro, NC 27406 – (336) 274-1983