Cheapest Insurance Quotes for a Subaru Forester in Massachusetts

The chances of buying cheaper coverage for a Subaru Forester in Massachusetts is contingent on an enormous amount of factors like the number of years you have been driving, whether or not you have had gaps between policies, and any driving offenses on your record. Drivers in Massachusetts on average will pay $1,050 per year for Forester insurance, but that rate is an approximation calculated based on a 40-year-old single female that included both comprehensive and collision coverage and $500 physical damage deductibles.

There is a good chance you are not 40 and maybe not even a female, you might be married instead of single, or maybe you have a speeding ticket or two that will increase rates. This shows why the only way to find the cheapest coverage for your Subaru is to just compare rates yourself. Get a free quote now and you can get rates from the best auto insurance companies that insure vehicles in Massachusetts.

Cheapest Subaru Forester Insurance Rates

Vehicle trim level tends to have a direct effect on the cost of insurance, so the price you pay to insure a Forester X AWD trim level will be $98 cheaper than the insurance cost for the higher-end Forester XT Limited Edition W/Navigation AWD trim level, as shown in the prices below.

Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Premium costs do not factor in vehicle location which can modify premiums greatly.

Massachusetts car insurance companies

Selecting the right insurer can be difficult considering how many choices there are in Massachusetts. The ranking information in the lists below may help you analyze which providers you want to consider when shopping insurance around for a Subaru Forester.

These ratings are only made up of the largest companies in America, so companies that have a smaller presence are not factored into the list. If you would like to check rates from these top insurers and more, just click here.

Top 10 Large Auto Insurance Companies in Massachusetts Ranked by Customer Satisfaction

1. The Hartford – 93%
2. Progressive – 90%
3. USAA – 87%
4. State Farm – 87%
5. Travelers – 87%
6. Safeco Insurance – 86%
7. AAA Insurance – 86%
8. Farmers Insurance – 85%
9. GEICO – 85%
10. American Family – 85%

Top 10 Large Auto Insurance Companies in Massachusetts Ranked by Customer Service

1. The Hartford
2. American Family
3. Progressive
4. GEICO
5. USAA
6. State Farm
7. Travelers
8. Farmers Insurance
9. Allstate
10. Safeco Insurance

Top Companies for Subaru Forester Insurance in Massachusetts

Violations and accidents raise rates

A great way to receive the cheapest insurance for a Subaru Forester in Massachusetts is to be a careful driver and not get tickets or have accidents. The illustration below demonstrates how speeding tickets and at-fault claims raise car insurance costs for each different age group. The data assumes a married female driver, comprehensive and collision coverage, $250 deductibles, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 2393,2663,3429],[‘Age 30’, 1693,1961,2725],[‘Age 40’, 1663,1933,2695],[‘Age 50’, 1455,1727,2493],[‘Age 60’, 1393,1661,2423],[‘Age 70’, 1479,1747,2511]]);var options = {title: ‘Effect of Tickets and Claims on Massachusetts Subaru Forester Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Subaru Forester in Massachusetts’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The data above shows the average cost of auto insurance per year with no accidents and a clean driving record is $1,679. Add in one speeding ticket and the average cost jumps to $1,949, an increase of $269 each year. Then add one accident along with the one speeding ticket and the annual cost of car insurance for a Subaru Forester increases to an average of $2,713. That’s an increase of $1,033, or $86 per month, just for not driving safely!

The information below shows how different deductible levels can change insurance rates when trying to find cheap insurance for a Subaru Forester. The rates are based on a married male driver, comp and collision included, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 3227,2929,2591,2271],[‘Age 30’, 1719,1557,1369,1189],[‘Age 40’, 1639,1493,1319,1153],[‘Age 50’, 1495,1361,1207,1057],[‘Age 60’, 1463,1333,1181,1035],[‘Age 70’, 1663,1521,1361,1205]]);var options = {title: ‘Effect of Deductibles on Subaru Forester Insurance Rates in Massachusetts’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Subaru Forester’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

In the chart above, a 40-year-old driver could cut expenses by $288 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $438 by choosing a $1,000 deductible. Youthful drivers, like the 20-year-old example, could lower their rates up to $956 or even more by using higher deductibles when buying full coverage.

If you do make the decision to raise your deductibles, it will be necessary to have additional funds squirreled away to enable you to cover the extra out-of-pocket expense, which deters some people from using high deductibles.

Is the best company State Farm, Allstate, Progressive, or Geico?

If you are looking for the best insurance for a Forester in Massachusetts, the first places to look would be State Farm, Allstate, Progressive, and Geico. All four offer physical damage and liability coverage, but each has a little bit different set of discounts and options that may influence your buying decision. The data below shows ratings for price and service, as well as some optional coverages that are available for buyers.