2018 Subaru Forester Car Insurance Calculator

Monitor in real-time how life choices influence insurance rates for a 2018 Subaru Forester. Ajust options like policy discounts, vehicle trim level, and driving violations to see how insurance rates are affected. See instantly if the choices you make result in higher or lower insurance rates.

The average estimated car insurance premium for a 2018 Subaru Forester is $1,622 per year, or about $135 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$1,622

Cost Per Month

$135

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Subaru Forester Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2018 Subaru Forester.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$1,622
Average Rate
Your Rate
$1,622

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2018 Subaru Forester trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2018 Subaru Forester is $1,622.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2018 Subaru Forester vs. the Small SUV Segment

The table below compares insurance rates for the 2018 Subaru Forester against all other models in the small SUV segment. The Subaru Forester is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Subaru Forester, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Subaru Forester.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2018 Subaru Forester Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Ford Ecosport$1,374-$248
2Nissan Kicks$1,408-$214
3Toyota C-HR$1,412-$210
4Jeep Compass$1,426-$196
5Subaru Crosstrek$1,442-$180
6Hyundai Kona$1,458-$164
7Honda CR-V$1,464-$158
8Mazda CX-3$1,472-$150
9Chevrolet Equinox$1,554-$68
10Honda HR-V$1,560-$62
11Mitsubishi Eclipse Cross$1,574-$48
12Mazda CX-5$1,606-$16
13Subaru Forester$1,622--
14Chevrolet Trax$1,628$6
2018 Small SUV Average$1,649$27
15Nissan Rogue$1,656$34
16Buick Encore$1,666$44
17Jeep Renegade$1,676$54
18Mini Cooper$1,692$70
19Hyundai Tucson$1,698$76
20Kia Soul$1,702$80
21Volkswagen Tiguan$1,716$94
22Buick Envision$1,740$118
23Toyota RAV4$1,750$128
24Kia Sportage$1,754$132
25Mini Cooper Countryman$1,758$136
26Ford Escape$1,768$146
27Ford C-Max$1,798$176
28GMC Terrain$1,804$182
29Mini Cooper Clubman$1,826$204
30Chevrolet Bolt$1,830$208
31Mitsubishi Mirage$1,832$210
32Kia Niro$1,862$240
33Mitsubishi Outlander$1,880$258

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2018 Forester Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2018 Subaru Forester.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2018 Subaru Forester Insurance Rates by Trim Level
2018 Subaru Forester Trim Level Annual Premium Cost Per Month
2.5I AWD$1,490$124
2.5I Premium AWD$1,546$129
2.0XT Premium AWD$1,596$133
2.5I Limited AWD$1,600$133
2.5I Touring AWD$1,728$144
2.0XT Touring AWD$1,780$148

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2018 Subaru Forester for different driver ages.

2018 Subaru Forester Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$5,886$491
17$5,707$476
18$5,118$427
19$4,645$387
20$3,545$295
21$3,380$282
22$3,018$252
23$2,461$205
24$2,329$194
25$1,890$158
30$1,732$144
35$1,668$139
40$1,622$135
45$1,518$127
50$1,438$120
55$1,346$112
60$1,350$113
65$1,444$120
70$1,560$130
75$1,836$153
80$2,280$190

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Subaru Forester trim levels.