Cheapest Insurance for a Subaru Forester in Minnesota

Our staff writers always rib each other than when writing about car insurance, the word “cheap” should not be used anywhere to describe car insurance rates. Excuse the oxymoron, but cheap car insurance for a Subaru Forester just does not exist. But fear not, because we will teach you how you can find car insurance that is cheaper than your current policy.

Finding the best cheap insurance for a Subaru Forester in Minnesota is contingent on factors such as how old you are, your credit history, and citations or violations on your driving record. Minnesota drivers on average pay around $1,060 every 12 months to insure a Forester, but that is an estimate that uses a 40-year-old married female who purchased both comprehensive and collision coverage and $100 policy deductibles.

It’s highly likely you’re not a 40-year-old female, possibly single instead of married, or maybe your Forester is an older model. What seems to be a small difference in quote information can result in a big discrepancy in the cost of a policy.

There is no “one size fits all” policy, so your best shot at finding the most affordable coverage for your Subaru is to compare rates from as many companies as possible.

Compare Rates Now

The specific trim level tends to have a direct impact on the cost of coverage, so the cost to insure a Forester X AWD trim level will be $118 less expensive the price to insure the high end Forester XT Limited Edition W/Navigation AWD model, as shown by the rates below.

Cost estimates assume married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Minnesota minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Prices do not factor in zip code location which can raise or lower prices considerably.

Minnesota insurance companies

Picking the highest-rated company can be difficult considering how many choices there are in Minnesota. The information in the lists below may help you choose which car insurance providers you want to consider buying from. The rankings below are for major nationwide insurance companies, so companies that have a smaller presence are not taken into consideration for these rankings.

Top 10 Large Auto Insurers in Minnesota Ranked by Claims Service

1. Progressive
2. Travelers
3. Liberty Mutual
4. Nationwide
5. USAA
6. AAA Insurance
7. Safeco Insurance
8. GEICO
9. The General
10. Esurance

Top 10 Large Auto Insurers in Minnesota Ranked by Customer Satisfaction

1. USAA – 92%
2. 21st Century – 88%
3. American Family – 88%
4. Nationwide – 88%
5. State Farm – 88%
6. Progressive – 87%
7. Liberty Mutual – 87%
8. AAA Insurance – 87%
9. The Hartford – 87%
10. Farmers Insurance – 87%

Top Companies for Subaru Forester Insurance in Minnesota

The example below shows how choosing a deductible can affect insurance premiums when trying to find cheap insurance for a Subaru Forester. The premium estimates are based on a single male driver, full coverage, and no additional discounts are factored in.

As shown above, a 40-year-old driver could save $324 a year by changing from a $100 deductible up to a $500 deductible, or save $486 by choosing a $1,000 deductible. Even younger drivers, like the 20-year-old category, could potentially save $1,054 or more just by choosing larger deductibles.

When raising deductibles, it will be important to have additional funds squirreled away to be able to cover the extra out-of-pocket expense associated with higher deductibles.

Insurance rates are higher with tickets and accidents

The best way to maintain the cheapest insurance for a Subaru Forester in Minnesota is to drive safe and not receive tickets or have accidents. The example below demonstrates how traffic citations and accident claims can affect yearly insurance costs for different insured age categories. The premiums assume a single female driver, full coverage, $250 deductibles, and no discounts are applied.

In the chart above, the average cost of a car insurance policy in Minnesota per year with no violations or accidents is $1,946. Get two speeding tickets and the average cost increases to $2,627, an increase of $681 each year. Then throw in two accidents along with the two speeding tickets and the yearly cost of insurance for a Subaru Forester jumps again to an average of $4,892. That’s an increase of $2,945, or $245 per month, just for not keeping your driving record clean!

Best rates: Allstate, State Farm, Geico, or Progressive

When comparing insurance for a Forester, the top insurers to get price quotes from are Allstate, State Farm, Geico, and Progressive. Each one has a different combination of discounts, features, and options that you can select from. The following table rates some of the different options .