Who Has the Cheapest Louisville Auto Insurance Rates for a Subaru Forester?

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Finding affordable car insurance for a Subaru Forester relies on an enormous amount of factors such as annual vehicle mileage, the likelihood of vehicle theft, and driving citations. Drivers will pay on average $1,095 per year to insure their Forester, but that is a projection calculated based on a 40-year-old married female driver with both comprehensive and collision coverage and $100 deductibles.

The issue that arises when projecting rates is that it's very likely that you're not a 40-year-old female, single instead of married, and maybe you want different deductibles. Not every driver requires the same auto insurance coverages, so the best method for finding the cheapest insurance price for your Subaru is to do a thorough rate comparison. Quotes only take a few minutes and you can get rates from top-rated companies that sell coverage in Kentucky.

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Your Subaru's trim level can impact the annual cost of coverage, so the cost to insure a Forester X AWD trim level will be $120 cheaper than the insurance cost for the more well-appointed Forester XT Limited Edition W/Navigation AWD trim level, as demonstrated by the prices below.

Subaru Forester Insurance Rates in Louisville, KY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forester X AWD $272 $498 $292 $18 $88 $1,168 $97
Forester X Premium AWD $272 $498 $292 $18 $88 $1,168 $97
Forester X Premium AWP AWD $272 $498 $292 $18 $88 $1,168 $97
Forester X Limited Edition AWD $304 $498 $292 $18 $88 $1,200 $100
Forester X Limited Edition W/Navigation AWD $304 $586 $292 $18 $88 $1,288 $107
Forester XT AWD $304 $586 $292 $18 $88 $1,288 $107
Forester XT Limited Edition AWD $304 $586 $292 $18 $88 $1,288 $107
Forester XT Limited Edition W/Navigation AWD $304 $586 $292 $18 $88 $1,288 $107
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Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Kentucky minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Premium amounts do not factor in specific location information which can modify coverage prices considerably.

Picking the top car insurance provider can be challenging considering how many companies sell insurance in Louisville. The rank data listed below may help you pick which providers to look at to insure your vehicles. These ratings are only comprised of large insurance companies, so companies without a large exposure will not be included in this list.

Top 10 Large Auto Insurance Companies in Louisville Ranked by Claims Service

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

Careless driving habits raise Louisville car insurance rates

The recommended way to snag affordable car insurance rates for a Forester is to drive carefully and avoid accidents and traffic violations. The information below highlights how traffic violations and at-fault collisions impact insurance rates for different insured age categories. The prices are based on a single male driver, full physical damage coverage, $250 deductibles, and no discounts are taken into consideration.

The data charted above shows the average cost of a car insurance policy per year with no violations or accidents is $1,938. Factor in two speeding tickets and the average cost swells to $2,572, an increase of $634 each year. Then add one accident along with the two speeding tickets and the 12-month cost of car insurance for a Subaru Forester jumps again to an average of $3,198. That's an increase of $1,260, or $105 per month, just for not driving responsibly!

Full coverage rates compared to liability only

Paying less for car insurance is important to most vehicle owners, and an effective way to buy cheap insurance for a Subaru Forester is to not pay for full coverage. The information below compares car insurance rates when comparing full coverage to liability only. The information is based on no violations or accidents, $1,000 deductibles, drivers are single, and no discounts are applied to the premium.

As an overall average, physical damage coverage costs $1,511 per year more than insuring for liability only. That raises the question if buying full coverage is worth the expense. There is no exact formula of when to drop physical damage coverage on your policy, but there is a general guideline you can use. If the yearly cost of full coverage is 10% or more of the replacement cost minus the deductible, then it could be time to drop full coverage.

For example, let's pretend your vehicle's book value is $9,500 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $8,500 after the deductible is paid. If you are currently paying more than $850 a year for comprehensive and collision coverage, then it may be the right time to buy liability only.

There are some scenarios where eliminating full coverage is not a good plan. If you still owe a portion of the original loan, you have to maintain full coverage to protect the lienholder's interest in the vehicle. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not drop full coverage.

The illustration below highlights how deductible selection can raise or lower annual premium costs when trying to find cheap insurance for a Subaru Forester. The premium estimates are based on a single female driver, full coverage, and no discounts are applied to the premium.

In the chart above, a 50-year-old driver could save $372 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $564 by selecting a $1,000 deductible. Youthful drivers, like the age 20 example, could lower their rates $942 each year just by choosing larger deductibles.

If you do make the decision to raise your deductibles, it's a good idea to have emergency funds available to offset the extra out-of-pocket expense, which deters some people from using high deductibles.