The Subaru Forester is a compact SUV, which has been available to buy from 1997 until the present day. It has developed a solid reputation as a workhorse vehicle with great handling both on and off the road. The fuel economy and interiors are nothing to write home about, but it’s a solid choice for this type of car. In this guide, you’ll find out how much it costs to insure based on the age and location of the driver.
What insurance group does the Subaru Forester fall under?
Every vehicle is given a specific insurance group that ranges from 1 (cheapest) to 50 (most expensive), which helps to determine the cost of your premium. Subaru Forester models can be found in insurance groups ranging from 21 to 35, meaning costs will vary significantly between different Subaru Forester cars. As an example, a 30-year-old driver in an average postcode could pay around £722 for cover on a Subaru Forester 2.0 X 5d 05 that is in insurance group 21 or around £1,066 for a Subaru Forester 2.5 XT 5d 04 that is in insurance group 35. This is clear impact of the premium pricing that occurs when one car is in a much higher insurance group.
These rates are based on the average cost of cover for cars in the insurance groups shown, for drivers of different ages with a Newcastle (NE1) postcode, which our research suggests represents an average for insurance rates in the UK. Updated: June 2024 (source: Confused).
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There are various other factors that affect the cost of your car insurance premiums, including your location.
To demonstrate the power of the postcode, here are some average quotes for a 30-year-old living in three different locations. The quotes are for a Subaru Forester 2.0 XE 5d.
Expensive: £1,125 (London SE1)
Average: £777 (Newcastle NE1)
Cheap: £769 (Galashiels TD1)
These rates are based on the average cost of cover for cars in the locations shown. Our research suggests SE1 is one of the most expensive locations, NE1 represents an average cost location and TD1 represents one of the cheapest locations. Updated: June 2024 (source: Confused).
Which factors affect my Subaru Forester insurance rate?
Along with insurance group, here are some more of the key factors that have the biggest impact on your insurance premium costs:
Engine type and capacity. In general, the larger the engine, the more you’ll pay for your car insurance. For example, it may cost £1,125 for insurance for a Subaru Forester 2.0 XE 5d, while you may pay £2,867 for a Subaru Forester 2.5 XT 5d 04. That’s £117 more per year for an engine that’s 0.5 litres bigger.
Driver location. Insurers will use your home address to determine how risky it is for your car to be stolen or involved in an accident, and this will affect the cost of insurance. For example, a 30-year-old in central London may pay £1,617 for insurance for a Subaru Forester 2.0 XEn Black Leather 5d, while the same 30-year-old in Newcastle may only pay £692. So, in this example, the Londoner will pay £137 more per year.
Driver age. The youngest drivers will pay the most for car insurance because they are the most likely to make a claim. As an example, the average 20-year-old driver in London may pay £29,880 for the Subaru Forester 2.5 XTE 5d, while the average 40-year-old Londoner will only pay £1,816. So, in this example, the younger driver will pay £870 more per year.
Other factors that influence the cost of your insurance include:
Your annual mileage
The model of your car
The age of your car
Your car’s safety rating score
Your car’s security features
Your car’s extra anti-theft precautions
Your driving history, including your no-claims discount
Your marital status
Your credit history and job
How can I save on my Subaru Forester premiums?
When searching for car insurance, it’s always worth shopping around for the best deal, so you get a good deal within your budget. Here are some ideas to lower the cost of your premium.
Limit your annual mileage (where possible). If you can, occasionally deciding to walk or use public transport, ahead of using your car, can help to save on your premiums.
Pay annually rather than monthly. When you pay annually, you eliminate the possibility of being charged interest on monthly repayments.
Install extra safety precautions. By adding extra safety measures to your car, it’ll become less of a risk for companies to insure. Because of this, insurers are happy to lower your premium when you do so.
Shop around for the best deal. Don’t just settle for the renewal price given to you. There may be cheaper options out there from competitors, so search the price comparison websites.
Bottom line
The Subaru Forester is a powerful and reliable crossover, but it’ll cost a lot to insure this vehicle. Thankfully, the tips in this guide will help you to reduce your premiums.
Frequently asked questions
You can expect a Subaru Forester to reach a top speed of 137 miles per hour, depending on the model version.
In its Euro NCAP crash tests, the Subaru Forester achieved a full 5-star rating. This included a 97% rating for protecting adult occupants and 91% for protecting child occupants.
The UK standard car tax rate sits at £150 per year. However, you might pay more or less depending on your car’s emissions.
You can buy a Subaru Forester at dealerships, using online sellers or from a current owner.
Engine sizes range between 2 litres and 2.5 litres.
This car handles incredibly well both on and off the road, although some SUVs are classier and more fuel-efficient.
You can compare the costs of Subaru Forester car insurance using any price comparison website.
This depends on the specific model of Subaru Forester you have and the insurance group it falls under. Subaru Foresters can be found in insurance groups ranging from 21 to 35. This broad range means your premiums will vary significantly. It could cost slightly less than for the average vehicle, or potentially a lot more.
*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (July ’24). 51% of car insurance customers could save £523.17
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Danny is a publisher at Finder specialising in insurance and investing. He previously worked at the global insurer Aon and has appeared in national media giving advice on insurance. Danny holds a BA in International Business from the University of Plymouth and has undying loyalty to his average-poor football team, Portsmouth FC. See full bio
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