How Much is Insurance for a Subaru Forester in Michigan?

Your chances of finding affordable car insurance for a Subaru Forester in Michigan hinges on a complicated formula that considers factors like how many miles you drive each year, if you have ever had a coverage lapse, and if you had any at-fault accidents in the last few years. Drivers on average pay approximately $2,150 a year to buy insurance for a Subaru Forester, but that figure is a ballpark figure based on rate data for a 50-year-old single female driver who purchased both comprehensive and collision coverage and $250 physical damage deductibles.

Chances are that rate is not what you would pay, because most likely you are not a 50-year-old female, maybe you are married instead of single, or you want lower deductibles. Making even small differences in policy rating criteria or coverages can lead to a big change in the cost of insurance.

Auto insurance is unique to every driver, so the most reliable way to find cheap insurance rates for your Subaru is to make a habit of regularly comparing rates from other companies.

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Your vehicle’s trim level tends to impact the insurance rate, so the price you will be charged to insure a Forester X AWD model will be $214 less than the insurance cost for the more costly Forester XT Limited Edition W/Navigation AWD trim level, as shown by the rates below.

Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Michigan minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Rate information does not factor in Michigan location which can impact premium rates considerably.

Determining which company offers the cheapest auto insurance rates for a Subaru Forester requires a little more sweat in order to find the lowest price quote.

Every insurance provider has a proprietary formula for filing rates in each state, so we’ll go over the most budget-friendly auto insurance companies in Michigan.

Best Cheap Insurance Rates for Your Subaru

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USAA may offer some of the lowest car insurance rates in Michigan at around $949 a year. GEICO, Safeco, MetLife, and Chubb also qualify as some of the most economical Michigan auto insurance companies.

As the example above demonstrates, if you currently have a policy with MetLife and switched to USAA, you could earn annual savings of upwards of $401. Insureds with Chubb could save as much as $423 a year, and MEEMIC insureds might reduce rates by $459 a year.

Remember that these premiums are averages across all types of insureds and vehicles and do not factor in a specific rate factor for a Subaru Forester. So the auto insurance company that has the cheapest rates for you may not even be included in the rate chart shown above. That helps illustrate why you need to get rate quotes from many companies using your own driver information and specific vehicle type.

How much more does full coverage cost in Michigan?

Finding cheap insurance for a Subaru Forester in Michigan is important to the majority of drivers, and an easy way to lower the cost of insurance is to only pay for liability coverage. The chart below visualizes the comparison of insurance prices when comparing full coverage to liability only. The information is based on no claims or driving violations, $100 deductibles, single marital status, and no discounts are applied.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $100 Deductibles’, ‘Liability Only’],[‘Age 20’, 8489,2067],[‘Age 30’, 4373,1127],[‘Age 40’, 4371,1043],[‘Age 50’, 3955,975],[‘Age 60’, 3811,959],[‘Age 70’, 4547,1287]]);var options = {title: ‘Comparison of Rates for Full Coverage and Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Subaru Forester in Michigan’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

As an overall average, full coverage costs $4,924 per year more than just insuring for liability. Many people question when is the right time to remove full coverage. There is no specific rule to eliminate comprehensive and collision coverage on your policy, but there is a general guideline. If the annual cost of having full coverage is more than about 10% of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.

Don’t make the mistake of not shopping around

Michigan auto insurance rates are influenced by many factors that may substantially change the policy price. Simply having a birthday, buying a home instead of renting, or getting a driving violation may prompt premium changes that can now make some companies cheaper than competitors. Not only that, but insurers change the rates they charge in Michigan at least once a year to adjust for gains or losses. Larger than normal claims can cause a rate increase, while a better loss history can result in cheaper Forester insurance rates.

To illustrate this point, the chart below shows the companies that have the cheapest car insurance in Michigan for a 35-year-old male driver with no accidents, a clean driving record, and a high credit rating. If we look at prices based on his personal profile, USAA offers the best car insurance rates in Michigan at $987 annually. This is $1,406 less than the average price paid by Michigan drivers of $2,393. GEICO, Safeco, MetLife, and Chubb are the remainder of the cheapest Michigan auto insurance companies.

google.charts.setOnLoadCallback(drawMIWitcqcibChart);function drawMIWitcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘USAA’, 987, ‘#187C6B’],[‘GEICO’, 993, ‘#146759’],[‘Safeco’, 1037, ‘#10554A’],[‘MetLife’, 1364, ‘#0D463D’],[‘Chubb’, 1372, ‘#0A3A32’]]);var options = {title: ‘Best Cheap Auto Insurance for a Subaru Forester’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1472,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwitc’));chart.draw(view, options);}

Now we will give the driver from the first rate comparison a chargeable accident, bad credit, and a blemish on his driving record. Since every car insurance company uses their own formula for setting rates, getting updated rate quotes most likely will result in a slightly different list of affordable Michigan car insurance companies as shown below.

google.charts.setOnLoadCallback(drawMIWcqcibChart);function drawMIWcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘GEICO’, 1489.5, ‘#DB7900’],[‘Pioneer State Mutual’, 1621.4, ‘#B66400’],[‘Safeco’, 1659.2, ‘#975300’],[‘Hastings Mutual’, 1754.5, ‘#7D4500’],[‘Auto-Owners’, 1872.2, ‘#683900’]]);var options = {title: ‘New Rates Using Different Rating Criteria’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 300,’chartArea’:{left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1972.2,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwc’));chart.draw(view, options);}

GEICO now has the lowest price in Michigan with Pioneer State Mutual, Safeco, Hastings Mutual, and Auto-Owners completing the list. This shows why consumers need to take the time to perform a complete rate comparison to find the most economical insurance quotes for a Subaru Forester. Car insurance prices can be altered by many things and change frequently, so the cheapest company three years ago may now be wasting a lot of money.

Ideas to find the cheapest car insurance for a Subaru Forester

It is possible to find better rates, and here are many thrifty ideas that can help Michigan drivers quote the cheapest auto insurance.

• Avoid getting tickets or violations
• Choose a safer vehicle and pay lower rates
• Bundle home or renters insurance to earn a discount on car insurance
• Claim-free policyholders usually earn a discount
• Do not get into accidents
• Do not pay for full coverage if not needed
• Shop around for cheaper prices

The last idea is remarkably critical, as we stressed in the prior information. Insurance prices can change considerably in a year, so don’t be hesitant to buy from a different company if a lower-cost policy is available.

Sticking with a specific company is fine, but it’s not a good idea if it’s costing you thousands of dollars over the life of your policy. If you have a few minutes, now is a great time to compare rates to find cheaper auto insurance for a Subaru Forester.