Finding affordable coverage for a Subaru Forester is pretty simple, but it hinges on a lot of rating criteria such as how safe your vehicle is, if you have a tendancy to file claims, and if you have a history of accidents. Drivers in Colorado pay on average $932 a year for Forester insurance, but that amount is an approximation calculated using a 40-year-old married female driver with full physical damage coverage and $500 deductibles.

When estimating a car insurance rate like we just did, the issue is that you are not 40 and maybe not even a female, you might be single instead of married, and maybe your Forester is older and does not require full coverage. Even a slight change in the rating criteria used to formulate rates can result in a big discrepancy in the policy rate.

Insurance is an individual thing, so the only way to find the cheapest rates for your Subaru is to compare as many rates as you can. Do a quick rate comparison now and you can get prices from the best companies that sell coverage in Colorado.

Compare Subaru Forester Insurance Rates

The specific trim level tends to impact the annual cost of coverage, so the price to insure a Forester X AWD model will be $88 less expensive the cost to insure the fancier Forester XT Limited Edition W/Navigation AWD model, as shown below.

Subaru Forester Insurance Rates in Colorado
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forester X AWD $214 $362 $314 $18 $94 $1,002 $84
Forester X Premium AWD $214 $362 $314 $18 $94 $1,002 $84
Forester X Premium AWP AWD $214 $362 $314 $18 $94 $1,002 $84
Forester X Limited Edition AWD $238 $362 $314 $18 $94 $1,026 $86
Forester X Limited Edition W/Navigation AWD $238 $426 $314 $18 $94 $1,090 $91
Forester XT AWD $238 $426 $314 $18 $94 $1,090 $91
Forester XT Limited Edition AWD $238 $426 $314 $18 $94 $1,090 $91
Forester XT Limited Edition W/Navigation AWD $238 $426 $314 $18 $94 $1,090 $91
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Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Information does not factor in specific garaging location which can increase or decrease premium rates significantly.

Car insurance company ratings

Picking the top auto insurance company can be rather challenging considering how many companies provide coverage in Colorado. The company ratings in the lists below can help you choose which insurers to look at shopping your coverage with.

The rankings below are for large insurance companies, so smaller companies that only insure vehicles in Colorado are not taken into consideration for the list. If you wish to compare rates and find cheaper insurance for a Subaru Forester, click here.

Top 15 Car Insurance Companies for a Subaru Forester in Colorado
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
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Data Source: Insure.com Best Car Insurance Companies

The example below shows how choosing a deductible can influence premium costs when getting quotes for cheap insurance for a Subaru Forester in Colorado. The premiums are based on a married male driver, comp and collision included, and no discounts are applied to the premium.

A 50-year-old driver could lower their car insurance rates by $352 a year by switching from a $100 deductible up to a $500 deductible, or save $532 by selecting a $1,000 deductible. Youthful drivers, like the 20-year-old category, could roll back prices $1,168 every year by choosing larger deductibles on their policy.

When using a larger deductible, it will be necessary to have additional savings on hand to be able to pay the extra out-of-pocket expense that deters many people from opting for higher deductibles.

Impact of speeding/accidents on car insurance rates

The best way to find affordable car insurance rates in Colorado for a Forester is to drive carefully and maintain a clean driving record. The chart below shows how traffic citations and at-fault claims can influence insurance prices for each age group. The data is based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no other discounts are factored in.

The data above shows the average cost of auto insurance in Colorado per year with a clean driving record and no accidents is $1,548. Get written up for one speeding ticket and the average cost surges to $1,754, an increase of $206 each year. Then throw in two accidents along with the one speeding ticket and the yearly cost of car insurance for a Subaru Forester in Colorado increases to an average of $3,625. That's an increase of $2,077, or $173 per month, just for not driving safely!

Get discounts on Colorado insurance rates

Insurance companies that offer cheap quotes for a Subaru Forester may provide premium discounts that can reduce rates by as much as 35% or more if you meet the requirements. Large car insurance companies and a summarized list of policyholder discounts are:

The information below compares yearly insurance costs with and without discounts applied to the premium. The premium estimates are based on a male driver, no driving violations, no at-fault accidents, Colorado state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with marriage, homeowner, anti-theft, passive restraint, accident-free, and safe-driver discounts applied. When taking advantage of discounts, the the average amount saved on car insurance for a Subaru Forester is 28% or $552.