Finding cheap insurance for a Subaru Forester is normally pretty easy, but it depends on many rating factors such as how you use your vehicle, the condition of your credit, and whether or not you are a good driver. Drivers pay on average $1,362 each year for Forester insurance, but that is an approximation calculated based on a 30-year-old single female driver with full coverage and $100 deductibles.
The issue with using an average estimated rate is the likelihood you may not be 30 years old (or even female), married instead of single, or maybe you want more liability coverage than is required by law in Oregon. Auto insurance requires individual risk assessment, so the best method for finding the cheapest insurance price for your Subaru is to just compare rates yourself. It only takes a couple of minutes and you will receive rate quotes from top-rated companies available.
The trim level of your Subaru tends to have a direct effect on the cost of coverage, so the price to insure a Forester X AWD model will be $150 less than the insurance cost for the more costly Forester XT Limited Edition W/Navigation AWD trim level, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Forester X AWD||$344||$610||$366||$22||$110||$1,452||$121|
|Forester X Premium AWD||$344||$610||$366||$22||$110||$1,452||$121|
|Forester X Premium AWP AWD||$344||$610||$366||$22||$110||$1,452||$121|
|Forester X Limited Edition AWD||$384||$610||$366||$22||$110||$1,492||$124|
|Forester X Limited Edition W/Navigation AWD||$384||$720||$366||$22||$110||$1,602||$134|
|Forester XT AWD||$384||$720||$366||$22||$110||$1,602||$134|
|Forester XT Limited Edition AWD||$384||$720||$366||$22||$110||$1,602||$134|
|Forester XT Limited Edition W/Navigation AWD||$384||$720||$366||$22||$110||$1,602||$134|
|Get Your Own Custom Quote Go|
Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Oregon minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Price estimates do not factor in vehicle location which can decrease or increase premiums considerably.
Insuring your vehicle with the top auto insurance provider can be challenging considering how many companies there are in Portland. The ranking data in the lists below could help you decide which coverage providers to look at comparing rates with. These rankings include companies that insure vehicles across America, so companies with more of a regional focus are not included in these rankings.
Top 10 Large Auto Insurance Companies in Portland Ranked by Claims Service
- State Farm
- AAA Insurance
- Liberty Mutual
- The Hartford
- The General
- 21st Century
Top 10 Large Auto Insurance Companies in Portland Ranked by Customer Service
- State Farm
- The Hartford
- The General
- AAA Insurance
- American Family
- Liberty Mutual
Insurance rate increases from tickets or accidents
The common sense way to get the cheapest auto insurance rates in Oregon for a Forester is to be an attentive driver and avoid getting tickets or having accidents. The illustration below highlights how speeding tickets and fender-benders raise insurance costs for different age groups. The premium estimates are based on a single female driver, comp and collision included, $500 deductibles, and no other discounts are factored in.
In the previous example, the average cost of a car insurance policy in Portland per year with no violations or accidents is $1,732. Receive one speeding ticket and the average cost hikes up to $1,961, an increase of $229 each year. Now add in one accident along with the one speeding ticket and the yearly cost of auto insurance for a Subaru Forester increases to an average of $2,603. That’s an increase of $871, or $73 per month, just for not driving attentively!
Who has the cheapest Forester insurance?
Portland auto insurance rates are impacted by many things that control the cost of having a policy. Getting older, adding a teenager to your policy, or getting a speeding ticket may generate price changes that can make some companies cheaper than competitors. Additionally, auto insurance companies file new Oregon auto insurance rates as needed to reflect underwriting profits or losses. Heavy losses may result in more expensive prices, while long-term profits may produce lower-cost Forester insurance rates.
For instance, the bar chart below shows the company with the cheapest car insurance in Portland, OR for a 40-year-old male driver with no prior accidents, a clean driving record, and a high credit rating. If we estimate rates based on his personal profile, Grange quotes the cheapest car insurance rates in Portland at $945 each year. This is $533 less than the average rate paid by Oregon drivers of $1,478. Oregon Mutual, Country, Travelers, and USAA are the rest of the cheapest Portland, OR auto insurance companies.
In this example, we will give the driver from the first example a claim or two, poor credit, and a few traffic violations. Since each auto insurance company uses their own formula to set premium rates, analyzing rates may now show a different set of the cheapest Portland car insurance companies as shown below.
GEICO now has the best car insurance rate in Portland with Amica, Allied, Mutual Enumclaw, and Oregon Mutual completing the list. This example demonstrates why drivers need to compare as many rates as possible when trying to get the most affordable auto insurance quotes for a Subaru Forester.
Prices consist of many things and can change substantially, so the best company when you last compared rates may now be wasting a lot of money.
If you have coverage questions and would like to get some professional advice when comparing insurance rates for a Forester, the professional agents shown below can provide answers to your questions and help you determine which car insurance company is the best fit.
To locate a Portland auto insurance agent close to you, click the button at the bottom or click here to compare rates now.
- Vu Han – State Farm Insurance Agent
322 NE 82nd Ave – Portland, OR 97220 – (503) 252-1114
- Hecht and Hecht Insurance Agency Inc.
425 NE Hancock St – Portland, OR 97212 – (503) 542-1130
- Todd Houser – State Farm Insurance Agent
7515 SW Barnes Rd #101 – Portland, OR 97225 – (503) 297-3788
Tips to find economical insurance for a Subaru Forester
Lowering your rates is not difficult, and here are a few money-saving ideas that can help you quote cheaper coverage.
- Clean up your credit
- Choose a safer vehicle and pay lower rates
- Save money by insuring your home and auto with the same company
- Pay for small claims rather than turning them in to your insurance company
- Higher physical damage deductibles lower rates
- Full coverage may not be needed on older vehicles
- Shop around for lower rates once a year
That last piece of advice is very critical, as we discussed in this article. Insurance rates change frequently, so don’t be unwilling to buy from a different company if a cheaper price is available.
Being loyal to a particular company is commendable, but it’s not recommended if that loyalty ends up costing a small fortune year after year. Spend a few minutes and compare prices to find cheaper car insurance for a Subaru Forester in Portland.