Cheapest Insurance for a Subaru Forester in South Carolina
The chances of finding the best cheap car insurance for a Subaru Forester in South Carolina depends on a lot of rating criteria like your marital status, the likelihood of vehicle theft, and your motor vehicle report. Drivers in South Carolina on average pay approximately $1,170 a year for Forester insurance, but that price is based on rate data for a 50-year-old single female who requires full coverage and $100 deductibles.
More than likely, you are not exactly 50 years old and possibly not even female, possibly married instead of single, or maybe you do not need full coverage. Making even small differences in the rating input factors can make a big difference in the cost of coverage for a Subaru Forester.
Car insurance prices are based on the driver profile the most reliable method for finding the most affordable coverage for your Subaru is to regularly compare rates at renewal. It only takes a few minutes and you will receive price comparisons from the best companies that insure vehicles in South Carolina.
The trim level of your vehicle will have an impact the insurance rate, so the cost to insure a Forester X AWD trim level will be $124 lower than the price to insure the more expensive Forester XT Limited Edition W/Navigation AWD model, as shown in the table below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Forester X AWD | $286 | $520 | $328 | $20 | $98 | $1,252 | $104 |
| Forester X Premium AWD | $286 | $520 | $328 | $20 | $98 | $1,252 | $104 |
| Forester X Premium AWP AWD | $286 | $520 | $328 | $20 | $98 | $1,252 | $104 |
| Forester X Limited Edition AWD | $318 | $520 | $328 | $20 | $98 | $1,284 | $107 |
| Forester X Limited Edition W/Navigation AWD | $318 | $612 | $328 | $20 | $98 | $1,376 | $115 |
| Forester XT AWD | $318 | $612 | $328 | $20 | $98 | $1,376 | $115 |
| Forester XT Limited Edition AWD | $318 | $612 | $328 | $20 | $98 | $1,376 | $115 |
| Forester XT Limited Edition W/Navigation AWD | $318 | $612 | $328 | $20 | $98 | $1,376 | $115 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and South Carolina minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Rate quotes do not factor in garaging location in South Carolina which can change premium rates considerably.
Which car insurance company is best in South Carolina?
Insuring your vehicle with the highest-rated insurer can be difficult considering how many different companies sell coverage in South Carolina. The company rank data below could help you decide which car insurance providers to look at when trying find the best insurance for a Subaru Forester.
These ratings are for the largest auto insurers in America, so companies that focus mainly on South Carolina business are not included in these rankings. To get rate quotes from these and other competitive companies, simply click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
How to get discounts on South Carolina insurance rates
Insurance providers that offer the cheapest insurance for a Subaru Forester in South Carolina may also offer policy discounts that may potentially lower prices by 30% or more if you are eligible for them. Popular car insurance companies and some of the discounts are included below.
| Discount | Progressive | Geico | Allstate | State Farm | Liberty Mutual | Farmers |
|---|---|---|---|---|---|---|
| Bundle discount | Yes | Yes | Yes | Yes | Yes | Yes |
| Multiple vehicles | Yes | Yes | No | Yes | Yes | Yes |
| Anti-theft | Yes | Yes | Yes | Yes | Yes | Yes |
| Safe vehicle | No | Yes | Yes | Yes | Yes | No |
| Air bags | No | Yes | Yes | Yes | Yes | Yes |
| Daytime running lights | No | Yes | No | Yes | No | Yes |
| New car | No | No | Yes | Yes | No | Yes |
| Eco-friendly vehicle | No | No | Yes | No | Yes | Yes |
| No accidents | Yes | Yes | Yes | Yes | No | Yes |
| Defensive driving course | Yes | Yes | Yes | Yes | No | Yes |
| Low mileage | Yes | No | Yes | Yes | Yes | No |
| Military | Yes | Yes | No | Yes | No | Yes |
| Employment | No | Yes | No | No | Yes | Yes |
| Full payment | Yes | Yes | Yes | No | Yes | Yes |
| Automatic payment | Yes | Yes | Yes | No | Yes | Yes |
| Brand loyalty | Yes | No | No | Yes | No | Yes |
| Early signing | No | No | Yes | No | No | Yes |
| Good student | Yes | Yes | Yes | Yes | Yes | Yes |
| Distant student | Yes | No | Yes | Yes | Yes | Yes |
| Own a home | Yes | No | No | No | No | Yes |
| Seat belt usage | No | Yes | No | No | No | No |
| Online quote | Yes | No | No | No | No | No |
| Get Quotes Go | ||||||
The example below illustrates the comparison of insurance rates with and without discounts applied to the rates. The premium estimates are based on a female driver, no driving violations, no at-fault accidents, South Carolina state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.
The first bar for each age group shows the average rate with no discounts. The second shows the rates with safe-driver, homeowner, marriage, defensive driving course, passive restraint, and multiple policy discounts applied. When drivers qualify for the discounts, the average amount saved each year on car insurance for a Subaru Forester is 32% or $640.
How to find economical auto insurance for a Subaru Forester
Here are some of the better penny-pinching suggestions that can help drivers buy the cheapest car insurance.
- Prevent price hikes by avoiding at-fault accidents
- Bundle home and auto and earn a discount
- Vehicles with good safety ratings are usually cheaper to insure
- Save money by staying claim-free
- Save money by only buying liability coverage for older vehicles
- Save money by obeying traffic laws and keeping a clean driving record
- Comparison shop at least once a year
The last tip is especially necessary, as we pointed out in this article. Insurance rates in South Carolina go up and down frequently, so drivers shouldn’t be resistant to switch carriers if a better rate can be found.
Having brand loyalty is commendable, but it isn’t a good idea if your bullheadedness ends up costing you potentially thousands of dollars a year. Take a couple minutes and compare rates to find cheaper insurance for a Subaru Forester.
Cheap Subaru Forester insurance quotes
Drivers have many ways to quote car insurance rates in South Carolina, but the most common ways are using an independent agent, an exlusive agent such as Auto-Owners or State Farm, or buying direct from a company like Geico or Progressive. They all follow the same basic process, but it’s important to point out the distinctions in how they give price quotes.
Independent insurance agencies write for multiple companies and can provide price quotes from every one. These agents can quote with many companies and give you a larger rate selection, which may provide you with a better overall rate comparison. If your agent finds a cheaper company, you can get a different policy which requires no work on your part.
An exclusive ageny is only able to quote rates with one insurance company such as Allstate and Liberty Mutual agents. These guys and gals cannot compare rates from other companies, so if rates are not competitive, they cannot give other choices.
If you choose to buy car insurance direct, you do not use a local insurance agent and instead shop buying direct from a company like Geico or Progressive. Buying car insurance direct may be a decent choice people who do not have a lot of assets and know what car insurance covers.
What is the best method to buy the cheapest insurance for a Subaru Forester in South Carolina? It would be easy to say shopping direct saves money since no commissions are paid to an agent, but that is generally not the case. And we’d like to say using an independent agent can save the most money since they have more companies to choose from, but that is not necessarily true either. And occasionally, exclusive agencies have price quotes that other car insurance companies cannot touch.
Due to the fact that car insurance rates vary so much, the best method to buy the cheapest policy is to get quotes and compare the rates. If time allows, get rate quotes from independent agents, exclusive agents, and direct companies to have the best rate selection. For a list of companies offering online discounts, click here to view.
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