Who Has Cheap Insurance Quotes for a Subaru Forester in Florida?

The likelihood of finding the cheapest auto insurance for a Subaru Forester in Florida hinges on factors like miles driven annually, the likelihood of vehicle theft, and citations on your driving record. Florida drivers pay on average $1,630 every 12 months to insure their Forester, but that policy rate is a projection rating a 30-year-old single male driver who requires full coverage including both comprehensive and collision and $100 physical damage deductibles.

When projecting a rate like this, the problem is that you’re not a 30-year-old male, maybe you are married instead of single, or you need different deductibles. Just a minor change in input factors can result in big changes in rate quotes.

Auto insurance is unique to each driver, so the only way to find the cheapest insurance price for your Subaru is to make a habit of comparing prices at least once a year.

Find Cheaper Subaru Forester Insurance

Your Subaru’s trim level will most likely have an effect on the coverage cost, so the price you will be charged to insure a Forester X AWD will be $168 less than the price to insure the more expensive Forester XT Limited Edition W/Navigation AWD version, as shown in the chart below.

Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Table data does not factor in vehicle location which can decrease or increase prices substantially.

Best insurance in Florida

Ending up with the best insurer can be difficult considering how many companies sell insurance in Florida. The information displayed below can help you pick which car insurance providers you want to consider when comparing insurance rates for a Subaru Forester. These ratings are only made up of companies with a nationwide focus, so companies without a large exposure are not included in the list.

Top 10 Large Auto Insurance Companies in Florida Ranked by A.M. Best Rating

1. Travelers – A++
2. State Farm – A++
3. GEICO – A++
4. USAA – A++
5. Esurance – A+
6. Nationwide – A+
7. Mercury Insurance – A+
8. The Hartford – A+
9. Progressive – A+
10. Allstate – A+

Top 10 Large Auto Insurance Companies in Florida Ranked by Customer Satisfaction

1. USAA – 91%
2. Esurance – 90%
3. AAA Insurance – 90%
4. Mercury Insurance – 89%
5. Nationwide – 89%
6. Progressive – 88%
7. Safeco Insurance – 88%
8. State Farm – 88%
9. Allstate – 88%
10. Travelers – 88%

Top Companies for Subaru Forester Insurance in Florida

How much more does full coverage cost?

Finding cheap insurance for a Subaru Forester in Florida is the goal of most vehicle owners, and one of the fastest ways to find cheaper insurance is to not insure for full coverage. The chart below illustrates the difference between insurance premiums with full coverage compared to only the Florida minimum liability coverage. Data assumes no claims or violations, $500 deductibles, single marital status, and no discounts are taken into consideration.

If all age groups are averaged, physical damage insurance costs $2,189 per year more than insuring for liability only. That amount may make you wonder if buying full coverage is worth the expense. There is no clear-cut formula of when to eliminate full coverage, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than 10% of the settlement you would receive from your company, then it’s probably a good time to buy liability coverage only.

There are a few situations where dropping full coverage is not financially feasible. If you still owe a portion of the original loan, you are required to maintain full coverage to satisfy the loan requirements. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should keep full coverage on your policy.

Irresponsible driving raises your rates

The common sense way to obtain good insurance prices for a Forester is to be a safe driver and avoid accidents and traffic citations. The illustration below shows how speeding tickets and fender-benders can influence insurance rates for different age groups of insureds. The price estimates are based on a married male driver, full physical damage coverage, $100 deductibles, and no other discounts are factored in.

In the example above, the average cost of car insurance in Florida per year with no accidents or violations is $2,379. Add in one speeding ticket and the average cost increases to $2,723, an increase of $344 each year. Now add in two accidents along with the one speeding ticket and the 12-month cost of insurance for a Subaru Forester jumps again to an average of $5,467. That’s an increase of $3,087, or $257 per month, just for not being attentive to the road!

Allstate, Progressive, State Farm, or Geico: Which is best?

If you want the best car insurance, some of the first companies to look at are Allstate, Progressive, State Farm, and Geico. Combined they have almost 50% of the entire U.S. market share. The table below rates pricing and service ratings, as well as optional policy coverages you can expect with each one.