Who Has the Cheapest Insurance Quotes for a Subaru Forester in Alabama?

Our editors always tell us that when writing about auto insurance, the word “cheap” shouldn’t be used anywhere in the article as a descriptor for car insurance rates. Notwithstanding, cheap car insurance for a Subaru Forester can be difficult to find. Don’t let that get you down, though, because we are going to tell you how you can still get coverage that you can afford to pay for.

The chances of finding the cheapest insurance for a Subaru Forester in Alabama depends on lots of different factors such as the number of years of driving experience you have, if you have a lapse in coverage, and the level of deductible you choose. Drivers pay an average of $770 annually to insure a Subaru Forester, but that amount is a projection based on rate data for a 40-year-old married female that purchased full comprehensive and collision coverage and $1,000 deductibles.

When estimating a car insurance rate like we just did, the issue is that you are not a 40-year-old female, you might be single instead of married, or maybe you have a speeding ticket or two that will increase rates. Auto insurance prices are based on the driver profile your best shot at finding the cheapest rates for your Subaru is to compare as many rates as you can.

Find Cheaper Subaru Forester Insurance

The trim level of your Subaru will likely have an effect on the cost of insurance, so the cost to insure a Forester X AWD will be $66 less than the cost to insure the more expensive Forester XT Limited Edition W/Navigation AWD version, as shown below.

Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Alabama minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Table data does not factor in vehicle location which can lower or raise premiums noticeably.

Ratings for Alabama auto insurance companies

Selecting the highest-rated insurance provider can be challenging considering how many companies there are to choose from in Alabama. The ranking information in the next section may help you choose which companies you want to consider when buying insurance for a Subaru Forester. The rankings below are for large insurance companies, so companies without a large exposure are not included in the list.

Top 10 Large Car Insurance Companies in Alabama Ranked by Claims Service

1. Travelers
2. Allstate
3. Nationwide
4. State Farm
5. Liberty Mutual
6. GEICO
7. American Family
8. Esurance
9. AAA Insurance
10. Titan Insurance

Top 10 Large Car Insurance Companies in Alabama Ranked by Customer Satisfaction

1. USAA – 91%
2. Esurance – 90%
3. AAA Insurance – 90%
4. Nationwide – 89%
5. Progressive – 88%
6. Safeco Insurance – 88%
7. State Farm – 88%
8. Allstate – 88%
9. Travelers – 88%
10. The Hartford – 87%

Top Companies for Subaru Forester Insurance in Alabama

Drive safe and save

The best way to score affordable auto insurance prices in Alabama for a Forester is to be a safe driver and avoid at-fault accidents and violations. The chart below demonstrates how traffic citations and fender-benders influence insurance premiums for different age categories. The premiums are based on a married female driver, full physical damage coverage, $250 deductibles, and no discounts are taken into consideration.

In the chart above, the average cost of auto insurance in Alabama per year with a clean driving record and no accidents is $1,549. Get two speeding tickets and the average cost jumps to $2,206, an increase of $656 each year. Now add in one accident along with the two speeding tickets and the yearly cost of auto insurance for a Subaru Forester goes up to an average of $2,850. That’s an increase of $1,301, or $108 per month, just for not paying attention while driving!

Which car insurance company is best?

When comparing car insurance, four of the larger companies to compare rates for are Allstate, Geico, State Farm, and Progressive. They all offer your standard coverages, but each one has a slightly different mix of options and features that add value to each policy. The following table ranks ratings and policy coverage options that are available from each company.