Who Has Cheap Insurance for a Subaru Forester in Iowa?

Your chances of finding cheaper coverage for a Subaru Forester in Iowa hinges on a very complex rating algorithm that uses multiple factors like how far you commute, where you live, and any prior driving offenses. Iowa drivers pay on average $870 annually to insure a Forester, but that rate is an estimation based on rates for a 40-year-old single male that wants comprehensive and collision coverage and $250 physical damage deductibles.

There is a high probability that you may not be 40 years old (or even male), maybe you are married instead of single, or maybe you just want different deductibles. Even a minor change in rating criteria can cause large differences in the cost of coverage for a Subaru Forester.

Car insurance coverage is unique to each driver, so this is why the best method for finding cheap insurance prices for your Subaru is to shop your policy around at every renewal.

Find Cheaper Subaru Forester Insurance

The trim level of your vehicle tends to impact the coverage cost, so the price you will pay to insure a Forester X AWD trim level will be $90 less than the insurance cost for the more well-appointed Forester XT Limited Edition W/Navigation AWD trim level, as shown by the rates below.

Cost estimates assume single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Iowa minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Prices do not factor in specific location which can affect coverage rates considerably.

Determining which companies have the cheapest insurance rates for a Subaru Forester will require a bit more effort in order to find coverage that fits your buget. Every car insurance company uses a little different formula to set their prices, so let’s take a look at the insurance companies that tend to be cheaper in Iowa.

It’s important that readers know that Iowa insurance rates are influenced by many factors that may substantially change your annual premium. Improving your credit rating, buying a new vehicle, or getting into an accident can cause premium changes resulting in some rates now being more affordable than before.

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USAA generally has some of the lowest car insurance rates in Iowa at around $662 per year. Partners Mutual, Allied, Western National, and Hastings Mutual also make the cut as some of the more affordable Iowa auto insurance companies.

As shown in the rates above, if you are a customer of Western National and switched to Partners Mutual, you could earn yearly savings of in the vicinity of $132. Iowa drivers with Hastings Mutual could save as much as $203 a year, and State Farm insureds might cut rates by $223 a year.

Understand that those prices are averages for all types of drivers and the different vehicles they drive and do not factor in a specific rate value for a Subaru Forester. So the car insurance company that fits you best may not even be in the list of companies above. That illustrates why you need to quote rates from many companies using your own personal information and vehicle type.

Impact of speeding/accidents on insurance rates

In a perfect world, the best way to maintain affordable insurance premiums in Iowa for a Forester is to be a cautious driver and avoid traffic citations and accidents. The diagram below highlights how speeding tickets and fender-benders influence car insurance rates for different insured age categories. The premium estimates are based on a married female driver, comp and collision included, $100 deductibles, and no discounts are applied.

The data above shows the average cost of a car insurance policy per year with no accidents and a clean driving record is $1,297. Factor in one speeding ticket and the average cost surges to $1,502, an increase of $206 each year. Now get one accident along with the one speeding ticket and the yearly cost of insurance for a Subaru Forester goes up to an average of $2,082. That’s an increase of $785, or $65 per month, just for not paying attention while driving!

Does full coverage make sense?

Finding cheap insurance for a Subaru Forester in Iowa is the goal of the majority of vehicle owners, and one good way to buy cheap insurance is to only buy liability coverage. The example below visualizes the comparison of premium costs with full coverage compared to only the Iowa minimum liability coverage. The data assumes no claims or driving citations, $500 deductibles, drivers are not married, and no discounts are factored in.

If averaged out across all ages, physical damage coverage on your policy costs an additional $1,319 per year over liability only. Many drivers may wonder if it’s worth it to buy full coverage. There is no definitive guideline of when to stop paying for full coverage, but there is a general guideline you can use. If the annual cost of having full coverage is more than 10% of the replacement cost minus the deductible, then it might be time to buy liability only.

There are a few situations where dropping full coverage is not advised. If you still owe a portion of the original loan, you have to keep full coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should keep full coverage in place.

State Farm, Allstate, Progressive, or Geico: Which is best?

If you’re looking for the cheapest insurance for a Forester, the top insurers to get price quotes from are State Farm, Allstate, Progressive, and Geico. When added together, they insure about half of all auto insurance written. The data below illustrates price and claims rank as well as some different options .