What Auto Insurance is Cheapest for a Subaru Forester in Denver?

Finding economical auto insurance for a Subaru Forester depends on an enormous amount of factors such as how far you drive to work, if you are a frequent claim filer, and the level of deductible you choose. Drivers in Colorado will pay around $837 annually to insure their Forester, but that figure is an estimate calculated based on a 50-year-old single female driver with both comprehensive and collision coverage and $1,000 deductibles.

There’s a high likelihood you are not 50 and maybe not even a female, you might be married instead of single, and you want different coverage limits than the example. Having just a slight change in rating variables or coverage information can result in a massive change in the cost of insurance for a Subaru Forester.

Auto insurance is not the same for everyone, so the way we recommend to find the cheapest coverage for your Subaru is to compare as many rates as you can.

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The trim level of your Subaru tends to have a direct effect on the annual cost of coverage, so the price to insure a Forester X AWD model will cost $70 less than the cost to insure the more costly Forester XT Limited Edition W/Navigation AWD version, as shown in the prices below.

Subaru Forester Insurance Rates in Denver, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forester X AWD $162 $282 $338 $20 $102 $904 $75
Forester X Premium AWD $162 $282 $338 $20 $102 $904 $75
Forester X Premium AWP AWD $162 $282 $338 $20 $102 $904 $75
Forester X Limited Edition AWD $182 $282 $338 $20 $102 $924 $77
Forester X Limited Edition W/Navigation AWD $182 $332 $338 $20 $102 $974 $81
Forester XT AWD $182 $332 $338 $20 $102 $974 $81
Forester XT Limited Edition AWD $182 $332 $338 $20 $102 $974 $81
Forester XT Limited Edition W/Navigation AWD $182 $332 $338 $20 $102 $974 $81
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Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Prices do not factor in garaging location in Denver which can increase or decrease auto insurance rates greatly.

Comparing quotes for cheap auto insurance is not most people’s favorite thing to do, and figuring out which insurers offer the cheapest auto insurance rates for a Subaru Forester requires even more rate comparisons. Each auto insurance company uses slightly different criteria for setting prices, so first we will examine the auto insurance companies with the most affordable rates in Denver.

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What’s the cheapest car insurance in Colorado?
Rank Company Cost Per Year
1 The Hartford $834
2 Grange $949
3 USAA $1,029
4 Nationwide $1,143
5 Travelers $1,183
6 GEICO $1,187
7 Auto-Owners $1,192
8 State Farm $1,222
9 American Family $1,262
10 Progressive $1,322
11 Amica $1,381
12 Allied $1,497
13 California Casualty $1,502
14 Farmers $1,565
15 Colorado Farm Bureau $1,592
16 MetLife $1,811
17 Allstate $1,994
18 Encompass $2,187
19 Safeco $2,547
20 Titan $2,711
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The Hartford quotes some of the lowest car insurance rates in Denver at around $834 each year. This is $744 less than the average price paid by Colorado drivers of $1,578. Grange, USAA, Nationwide, and Travelers also make the cut as some of the lowest-priced Denver, CO auto insurance companies.

In the rate table above, if you have coverage with Grange and switched to The Hartford, you could see a yearly savings of roughly $115. Drivers with USAA may save as much as $195 a year, and Nationwide customers might cut rates by $309 a year.

These prices are averaged across all drivers and vehicles in Colorado and and are not calculated with an exact vehicle garaging location for a Subaru Forester. So the company that fits you best may not even be in the top 21 companies shown above. That points out the importance of why you need to compare rates from as many companies as possible using your own personalized driver profile and vehicle information.

The example below highlights how deductible selection can change annual premium costs when getting quotes for cheap insurance for a Subaru Forester. The data assumes a married female driver, full coverage, and no additional discounts are factored in.

In the chart above, a 50-year-old driver could lower rates by $298 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $452 by switching to a $1,000 deductible. Youthful drivers, like the Age 20 chart data, could reduce their rates up to $738 every year by choosing larger deductibles on their policy. When raising deductibles, it is important to have spare funds to enable you to pay the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

Full coverage or liability only

Paying a lower price for auto insurance should be important to the majority of drivers, and a good way to pay less for insurance for a Subaru Forester is to only buy liability insurance. The chart below shows the difference between yearly insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The price estimates are based on no driving violations, no at-fault accidents, $100 deductibles, single status, and no additional discounts are factored in.

If we average the cost for ages 20 through 70, physical damage coverage costs $2,289 per year more than just buying liability insurance. That proposes the question if buying full coverage is a good investment. There is no set guideline of when to phase out comp and collision coverage, but there is a broad guideline. If the yearly cost of comp and collision coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.

There are some conditions where dropping physical damage coverage is not a good idea. If you still owe a portion of the original loan, you have to maintain full coverage as part of the loan requirements. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should not drop full coverage.

Careless driving habits raise auto insurance rates

In a perfect world, the best way to receive affordable auto insurance premiums in Denver for a Forester is to drive cautiously and not receive tickets or have accidents. The illustration below highlights how traffic violations and at-fault accidents impact car insurance costs for different age groups. The price estimates are based on a single male driver, full physical damage coverage, $500 deductibles, and no discounts are applied to the premium.

The data charted above shows the average cost of a car insurance policy in Colorado per year with no accidents or violations is $1,848. Receive one speeding ticket and the average cost rises to $2,081, an increase of $233 each year. Then include one accident along with the one speeding ticket and the 12-month cost of auto insurance for a Subaru Forester goes up to an average of $2,731. That’s an increase of $882, or $74 per month, just for a couple of infractions!