Who Has Cheap Car Insurance for a Subaru Forester in Austin?

Finding cheap insurance for a Subaru Forester in Texas hinges on a whole bunch of factors such as your gender, if you have a tendency to file claims, and if you have tickets or violations. Texas drivers will pay around $1,117 annually to insure their Forester, but that cost is a valuation based on a 30-year-old single female driver with both comprehensive and collision coverage and $1,000 deductibles.

If we were betting, you may not be 30 years old (or even female), married instead of single, or maybe you are just looking for cheap liability insurance. Even a slight difference in rating criteria or coverage limits could end up in a significant change in the cost of a policy.

Different coverage needs are the reason why the only way to find the cheapest insurance price for your Subaru is to do the rate comparisons yourself.

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Vehicle trim level impacts the yearly cost, so the rate you pay to insure a Forester X AWD trim level will cost $94 less than the insurance cost for the more well-appointed Forester XT Limited Edition W/Navigation AWD model, as shown in the table below.

Subaru Forester Insurance Rates in Austin, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forester X AWD $228 $384 $438 $26 $130 $1,206 $101
Forester X Premium AWD $228 $384 $438 $26 $130 $1,206 $101
Forester X Premium AWP AWD $228 $384 $438 $26 $130 $1,206 $101
Forester X Limited Edition AWD $254 $384 $438 $26 $130 $1,232 $103
Forester X Limited Edition W/Navigation AWD $254 $452 $438 $26 $130 $1,300 $108
Forester XT AWD $254 $452 $438 $26 $130 $1,300 $108
Forester XT Limited Edition AWD $254 $452 $438 $26 $130 $1,300 $108
Forester XT Limited Edition W/Navigation AWD $254 $452 $438 $26 $130 $1,300 $108
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Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Estimates do not factor in your specific Austin location which can affect coverage prices considerably.

Determining which companies have the cheapest car insurance rates for a Subaru Forester takes a little more sweat in order to find the lowest price quote. Each auto insurer has their own guidelines for determining prices, so let’s examine the car insurance companies with the overall best prices in Texas.

It’s important that you understand Texas car insurance rates are influenced by many factors which can substantially decrease or increase the price you have to pay. Getting older, having a claim, or getting a few speeding tickets can trigger price changes that may make certain companies cheaper than competitors.

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Texas auto insurance company rankings
Rank Company Cost Per Year
1 Travelers $1,052
2 USAA $1,128
3 Texas Farm Bureau $1,199
4 Germania Mutual $1,282
5 Esurance $1,379
6 California Casualty $1,424
7 State Farm $1,495
8 Mercury $1,506
9 Nationwide $1,538
10 Safe Auto $1,613
11 Progressive $1,664
12 Allstate $1,701
13 Amica $1,775
14 Home State $2,071
15 GEICO $2,072
16 MetLife $2,183
17 Encompass $2,232
18 Unitrin $2,264
19 21st Century $2,421
20 Titan $2,568
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Travelers normally has some of the most affordable car insurance rates in Austin at around $1,052 each year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also are some of the most economical Austin, TX insurance companies.

As shown above, if you are a customer of USAA and switched to Travelers, you could earn a yearly price reduction of upwards of $76. Policyholders with Texas Farm Bureau could save as much as $147 a year, and Germania Mutual policyholders might lower prices by up to $230 a year.

It’s important to note that these prices are averages across all types of insureds and vehicles and do not factor in an exact zip code location for a Subaru Forester. So the company that can offer you the lowest price may not even be in the list above. That emphasizes why you need to quote rates from as many companies as possible using your own driver and vehicle profiles.

Cautious drivers save money

The ideal way to find good car insurance rates in Texas for a Forester is to drive carefully and avoid accidents and violations. The example below shows how speeding tickets and accident claims increase insurance costs for different age groups. The information is based on a married female driver, comp and collision included, $1,000 deductibles, and no discounts are applied.

The data in the chart shows the average cost of an auto insurance policy in Austin per year with a clean driving record and no accidents is $1,354. Receive two speeding tickets and the average cost swells to $1,917, an increase of $563 each year. Now throw in one accident along with the two speeding tickets and the 12-month cost of car insurance for a Subaru Forester increases to an average of $2,480. That’s an increase of $1,127, or $94 per month, just for not paying attention while driving!

The illustration below illustrates how your choice of deductibles can influence insurance costs when searching for cheap insurance for a Subaru Forester. The information is based on a married male driver, full coverage, and no discounts are factored in.

The data above shows that a 40-year-old driver could save $382 a year by switching from a $100 deductible to a $500 deductible, or save $578 by using a $1,000 deductible. Youthful drivers, like the 20-year-old, can cut up to $1,270 every year just by choosing higher deductibles.

When insureds make the decision to increase the deductibles on their policy, it is a good idea to have enough savings set aside to enable you to cover the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

Your cheap Forester insurance may actually be overpriced

Austin car insurance rates are based on many factors which can substantially decrease or increase the cost of your policy. Simply having another birthday, buying another vehicle, or getting a reckless driving citation can trigger rate changes resulting in some rates now being much cheaper than others.

Also, companies amend premium rates without warning as an adjustment for underwriting gains or losses. Significantly higher claims may result in additional price hikes, while profitable underwriting can cause more affordable Forester insurance rates.

To illustrate this example, the graph below compares the cheapest car insurance in Austin, TX for a 30-year-old female driver with no prior accidents, a clean driving record, and a good credit rating. If we estimate rates based on her current rating profile, Travelers may offer the best car insurance rates in Austin at $1,161 per year. This is $743 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also on the list of the cheapest Austin, TX auto insurance companies.

Now let’s give the driver in the first chart a claim, poor credit, and a traffic ticket or two. Due to the fact that every insurance company has a unique formula to set their prices, analyzing rates most likely will result in a different set of cheap Austin auto insurance companies as shown below.

State Farm now has the best car insurance rate in Austin with Mercury, Nationwide, USAA, and Safe Auto also being competitive. This example proves why it is important to shop around with many companies to get the most affordable auto insurance quotes for a Subaru Forester.

Auto insurance prices can be determined by many things and can change without notice, so the best option the last time you compared rates may now be priced much higher than other options.

If you aren’t sure which coverage you need and prefer to get some professional advice when shopping for the best coverage for a Forester, the professional agents shown below can aid you in deciding which car insurance company is the best fit.

To locate an Austin insurance agent close to where you live, click the button after the list.

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How to find the cheapest auto insurance for a Subaru Forester

It is possible to find better rates, and here are some of the recommended money-saving ideas that can help you find cheap coverage.

The last idea is highly valuable, as was pointed out in the prior information. Car insurance rates go up and down frequently, so drivers shouldn’t be reluctant to switch companies if you find a cheaper price.

Many consumers stick with the same company and that’s fine, but is isn’t recommended if that faithfulness ends up costing you a wad of cash every year. Spend a few minutes and compare prices to find cheaper auto insurance for a Subaru Forester in Austin.