Services
Insurance
Loans
Repairs
Advice
About

Cheapest Subaru Forester Car Insurance (Jun 2024)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your Subaru Forester
background
Find Insurance Savings
√
No long forms
√
No spam or unwanted calls
√
Quotes from top insurance companies
background
avatar
Andrea Barrett
Expert Insurance Writer
icon
Reviewed by Josh Damico, Vice President Insurance Operations
icon
Edited by Kianna Walpole, Expert Insurance Writer & Editor

How much does Subaru Forester car insurance cost? 

The average cost to insure a Subaru Forester is $85 per month for state minimum coverage and $136 per month for full coverage. Compared to popular cars like the
Cadillac
ATS
,
Dodge
Grand Caravan
, and
Smart
Fortwo
, the Subaru Forester is 26% more expensive to insure. 
But it’s important to remember that there are no ‘fixed’ averages—Subaru car insurance rates are highly variable and depend on your driving profile. Factors influencing insurance rates include age, location, vehicle trim level, and model year. So, to find the best rates for your Forester, you’ll want to shop around and
compare car insurance quotes
.

Compare the cheapest Subaru Forester car insurance quotes

Shopping around
and comparing free car insurance quotes is the easiest way to save money on car insurance. But instead of spending time getting individual quotes, consider using an independent broker like
Jerry
In seconds, Jerry uses your personalized profile to pull the cheapest quotes from the top insurers in your area. And by shopping with Jerry, Subaru Forester drivers save an average of $1,725 per year on car insurance. The table below shows some examples of real, free quotes Subaru owners found using Jerry. 
DateCarInsurance companyPremium (monthly)CustomerInsurance coverage
June 21, 2024
Subaru Forester 2.5XAllstate
$310
• 100,000/300,000 Liability
• Comp / Collision
June 17, 2024
Subaru Forester 2.5I LimitedPlymouth Rock
$293
• 50,000/100,000 Liability
• Comp / Collision
June 16, 2024
Subaru Forester Limited
Clearcover
$92
• 100,000/300,000 Liability
• Comp / Collision
June 10, 2024
Subaru Forester 2.5I LimitedSafeco
$69
• State Minimum Liability
• Comp / Collision
June 9, 2024
Subaru Forester TouringNational General
$170
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jun 21, 2024
Keep in mind that insurance rates vary, even for identical vehicles. Besides factors like your driving profile, location, and driver age, insurers also consider your Subaru model year, trim level, and repair costs to calculate premiums. 
If you want the cheapest auto insurance rate for your Subaru without sacrificing coverage, compare quotes from at least three insurance companies before deciding.

The best car insurance companies for Subaru Forester owners

No single insurance company will be the right fit for all Subaru Forester drivers. Car insurance rates are as unique as every driver, and every insurer uses different rating factors to
calculate your premium
But Jerry can still help you find the right insurer for your needs. To help make insurance shopping stress-free, we conducted the largest nationwide survey to help people find the best car insurance companies. 
While insurers like
GEICO
and
State Farm
came out on top in terms of customer service, other providers, like
Allstate
and
Travelers
received some of the highest overall scores. Check out the table below to see how drivers rated various insurance companies on a 5.0 scale. 
Insurance CompanyOverall RatingPriceClaims ExperienceCustomer Service
Safeco
4.6
4.4
4
4.5
Travelers
4.5
4.2
4.4
4.5
Progressive
4.3
3.9
3.9
4.3
AAA
4.2
4
3.8
4.4
Allstate
4.2
3.6
3.8
4.2
USAA
4
3.5
4.5
4.2
State Farm
4
3.4
3.8
4.2
Farmers
4
3.4
4.1
3.9
Geico
3.9
3.3
3.9
4
Liberty Mutual
3.7
3.2
3.5
3.7
Highlighticon

How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

How much car insurance do you need for a Subaru Forester?

When shopping for car insurance, it’s important to know just how much coverage you’ll need for your Subaru Forester. Depending on factors such as your model year and individual driver needs, you may benefit from one type of policy over another.
CarAverage Full Coverage Insurance CostAverage State Minimum Insurance Cost
Subaru Forester
$136
$85
There are two options available for coverage:
While a minimum coverage policy is cheaper than full coverage car insurance, it only covers damages and injuries for third parties—and even with the average limits of 25/50/25, your limits can max out relatively quickly, leaving you financially vulnerable.
As a result, most drivers will benefit from full coverage with higher liability limits of 50/100/50 or 100/300/100. Additionally, drivers should consider including add-on coverages to their policy, such as
roadside assistance
or
rental reimbursement
.

Why are some trims more expensive to insure than others?

Insurance rates are calculated based on vehicle repair and replacement costs; the higher the MSRP and the more it costs to repair, the more you’ll pay to insure it. Safety features also matter. Insurers look at safety ratings from experts like the Insurance Institute for Highway Safety (IIHS) and The National Highway Traffic Safety Administration (NHTSA).
Check out the table below to see the average cost of auto insurance for popular Subaru Forester trim levels.
CarMonthly minimum coverage costMonthly full coverage cost
Forester Subaru
$64
$132
Forester Subaru 2.5i
$88
$148
Forester Subaru 2.5i Premium
$106
$129
Forester Subaru 2.5X
$89
$141
Forester Subaru 2.5X Premium
$96
$122
Forester Subaru 2.5XS
$60
$110
Forester Subaru 2.5XT
$96
$121
Forester Subaru L
$76
$175
Forester Subaru Limited
$91
$127
Forester Subaru Premium
$63
$144
Forester Subaru Sport
$64
$142
Forester Subaru Touring
$101
$165
Lower my car insurance too!

Subaru Forester insurance cost by model year

Generally speaking, the newer your Subaru Forester model is, the more it will cost to insure due to its higher value and more costly technology. 
The tables below show the average rates Subaru Forester drivers pay based on their car’s model year.

2023 Subaru Forester car insurance quotes

Unfortunately, newer cars can also come with higher car insurance rates. Here's what Jerry drivers pay to insure their 2023 Subaru Forester:
CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Progressive
$166
• 50,000/100,000 Liability
• Comp / Collision
Bristol West
$171
• No Coverage Liability
• Comp / Collision
Anchor General
$117
• State Minimum Liability
coverageLast Updated Jun 20, 2024

2022 Subaru Forester car insurance quotes

It's important to remember that car insurance rates are as unique at the drivers themselves. The best way to understand how much you might pay is to compare real quotes like the ones below from different insurance companies. Check out some real quotes Jerry compared for 2022 Subaru Forester drivers below:
CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Progressive
$97
• 50,000/100,000 Liability
• Comp / Collision
Allstate
$108
• 100,000/300,000 Liability
• Comp / Collision
Safeco
$102
• 100,000/300,000 Liability
• Comp / Collision
Mercury
$70
• 100,000/300,000 Liability
• Comp / Collision
Bristol West
$163
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jun 22, 2024

2021 Subaru Forester car insurance quotes

Jerry compares quotes from over 55+ top insurance companies for you. Compare some real examples of what Jerry drivers pay to insure their 2021 Subaru Forester:
CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Nationwide
$118
• 50,000/100,000 Liability
• Comp / Collision
Travelers
$92
• 100,000/300,000 Liability
• Comp / Collision
Safeco
$137
• State Minimum Liability
• Comp / Collision
Allstate
$188
• 100,000/300,000 Liability
• Comp / Collision
Plymouth Rock
$205
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jun 23, 2024
If your car is more than 3 years old, you might be able to secure a cheaper car insurance rate. Check out how much Jerry drivers are paying to insure their year Subaru Forester with our real quote examples below:

2020 Subaru Forester car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Progressive
$95
• 100,000/300,000 Liability
• Comp / Collision
Travelers
$73
• 50,000/100,000 Liability
• Comp / Collision
AAA
$136
• 100,000/300,000 Liability
• Comp / Collision
Allstate
$124
• State Minimum Liability
• Comp / Collision
State Auto
$98
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Jun 22, 2024

2019 Subaru Forester car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Progressive
$72
• 25,000/50,000 Liability
• Comp / Collision
Safeco
$215
• 50,000/100,000 Liability
• Comp / Collision
Allstate
$91
• 100,000/300,000 Liability
• Comp / Collision
AAA
$160
• 30,000/60,000 Liability
• Comp / Collision
Mercury
$107
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jun 23, 2024

2018 Subaru Forester car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
2018
Subaru Forester 2.5I Premium
Progressive
$209
• 50,000/100,000 Liability
• Comp / Collision
2018
Subaru Forester 2.5I Premium
Travelers
$170
• 100,000/300,000 Liability
• Comp / Collision
2018
Subaru Forester 2.5I Limited
Allstate
$273
• State Minimum Liability
• Comp / Collision
2018
Subaru Forester 2.5I Premium
Bristol West
$212
• 50,000/100,000 Liability
• Comp / Collision
2018
Subaru Forester 2.5I Premium
National General
$67
• 30,000/60,000 Liability
coverageLast Updated Jun 20, 2024

2017 Subaru Forester car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
AAA
$283
• 50,000/100,000 Liability
• Comp / Collision
Subaru Forester 2.5I Limited
Travelers
$99
• 100,000/300,000 Liability
• Comp / Collision
Subaru Forester 2.5I Premium
Allstate
$176
• 100,000/300,000 Liability
• Comp / Collision
State Auto
$119
• 100,000/300,000 Liability
• Comp / Collision
Gainsco
$272
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jun 18, 2024

2016 Subaru Forester car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Progressive
$69
• 50,000/100,000 Liability
• Comp / Collision
2016
Subaru Forester 2.5I Premium
AAA
$195
• 50,000/100,000 Liability
• Comp / Collision
2016
Subaru Forester 2.5I Premium
Nationwide
$109
• 100,000/300,000 Liability
• Comp / Collision
2016
Subaru Forester 2.5I Premium
Safeco
$123
• State Minimum Liability
• Comp / Collision
2016
Subaru Forester 2.5I Touring
National General
$207
• 50,000/100,000 Liability
coverageLast Updated Jun 21, 2024

2015 Subaru Forester car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
2015
Subaru Forester 2.5I Premium
Safeco
$154
• 50,000/100,000 Liability
• Comp / Collision
2015
Subaru Forester 2.5I Premium
Nationwide
$175
• 100,000/300,000 Liability
• Comp / Collision
2015
Subaru Forester 2.5I Premium
Travelers
$66
• State Minimum Liability
• Comp / Collision
2015
Subaru Forester 2.5I Premium
AAA
$124
• 30,000/60,000 Liability
• Comp / Collision
Allstate
$202
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Jun 23, 2024

2014 Subaru Forester car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
2014
Subaru Forester 2.5I Touring
Progressive
$270
• 50,000/100,000 Liability
• Comp / Collision
2014
Subaru Forester 2.5I Premium
Travelers
$243
• 50,000/100,000 Liability
• Comp / Collision
2014
Subaru Forester 2.5I Premium
Allstate
$77
• 100,000/300,000 Liability
• Comp / Collision
2014
Subaru Forester 2.5I Premium
Safeco
$85
• State Minimum Liability
2014
Subaru Forester 2.5I Limited
AAA
$338
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jun 21, 2024

2013 Subaru Forester car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Progressive
$196
• 100,000/300,000 Liability
• Comp / Collision
Travelers
$126
• 50,000/100,000 Liability
• Comp / Collision
Safeco
$93
• State Minimum Liability
• Comp / Collision
Allstate
$148
• 100,000/300,000 Liability
• Comp / Collision
Bristol West
$254
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jun 23, 2024

Are Subaru Foresters expensive to insure? 

The average cost of car insurance for a Subaru Forester is $85 per month for a minimum coverage policy. For a full coverage policy, costs rise to $136 per month. Compared to the national average for vehicles in a similar price range, the Forester is 26% more expensive to insure.
CarMonthly minimum coverage costMonthly full coverage cost
Subaru Forester
$85
$136
Mitsubishi Mirage
$98
$195
Fiat 500L
$83
$149
Mazda CX-9
$101
$177
Kia Rondo
$84
$166
When calculating insurance rates, companies consider the vehicle’s MSRP, trim level, model year, and repair costs. Because these factors differ between cars, insurance prices will reflect these differences.

Subaru Forester safety ratings

Safety ratings are important to insurers because they factor into a vehicle’s risk level. The two best-known vehicle safety rating organizations are:
  • Insurance Institute for Highway Safety (IIHS): The IIHS assesses the safety of a vehicle using two factors: how well vehicle occupants are protected in the event of a car crash and how well the technology in the vehicle can prevent or reduce the severity of crashes.
  • National Highway Traffic Safety Administration (NHTSA): The NHTSA’s 5-Star Safety Rating is based on how vehicles perform in frontal, side, and rollover crash tests. 
Take a look at the table below for a breakdown of the IIHS safety ratings for the Subaru Forester. 

Insurance Institute for Highway Safety (IIHS) Rating

Rating typeRating
Small overlap front: driver-side
Good
Small overlap front: passenger-side
Good
Moderate overlap front: original test
Good
Moderate overlap front: updated test
Marginal
Side: original test
Good
Side: updated test
Acceptable
Roof strength
Good
Head restraints & seats
Good
Headlights
Good
Front crash prevention: vehicle-to-vehicle
Superior
Front crash prevention: vehicle-to-pedestrian (day)
Superior
Front crash prevention: vehicle-to-pedestrian (night)
Superior
Seat belt reminders
Good
LATCH ease of use
Good

Subaru Forester safety features 

In addition to safety ratings, your Subaru’s safety features also affect car insurance rates. Vehicles with more advanced driver safety features, such as airbags and anti-theft systems, pose a lower risk to insurance companies and, therefore, cost less to insure
Learn more about the Subaru Forester safety features in the table below.
Safety featureDescription
Stability control
Stability control automatically senses when the vehicles handling limits have been exceeded and reduces engine power and/or applies select brakes to help prevent the driver from losing control of the vehicle.
Security system
The vehicle is equipped with a means of anticipating and/or detecting unwanted vehicle intrusion. The vehicle is equipped with an ignition disable device that will prevent the engine from starting if the correct original manufacturer key is not used.
Anti-whiplash
Anti-whiplash head restraints actively react to rear collision forces and craddle the occupants head in an effort to reduce the likelihood of a whiplash injury.
Anti-lock brakes
ABS brakes automatically sense when a tire has stopped rotating under extreme braking, and will modulate the brake pressure to allow the tire to rotate.This increases the vehicles ability to turn while braking.
Front-impact airbags
Front-impact airbags for the driver and passenger have been designed to protect the head during a frontal crash.
Pretensioners
Seatbelt pretensioners automatically tighten seatbelts to place the occupant in the optimal seating position during a collision.
Knee airbags
Knee airbags help to protect the occupants lower extremities from serious injury in the event of an accident.
Side impact airbags
Side impact airbags for the front seats have been designed to protect the torso during a side impact collision.
Overhead airbags
Overhead airbags are used to protect the occupant's heads in the event of a side collision or rollover.

What other factors affect Subaru Forester insurance rates?

Your vehicle’s trim level, model year, safety features, and safety ratings are just a few things that affect car insurance rates. Your age (driving experience) and driving record are two of the biggest influencing factors, but insurers also consider your location, claims and insurance history, credit score, and annual mileage, among others, when calculating your insurance rates.

Subaru Forester insurance cost for young drivers

Teen drivers
aged 16 to 19 pay the highest insurance premiums of any age group, regardless of vehicle make and mode. Teens have less experience behind the wheel and are statistically at a higher risk of being involved in a collision. Since they’re riskier policyholders, insurers charge increased premiums until the risk decreases.
In the meantime, teen drivers can use Jerry to find lower rates—just like these real drivers did.
card cover
Ellen (24 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$123
per month
card cover
Olga (22 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$310
per month
card cover
Winifred (22 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$252
per month
card cover
Beulah (23 years old)
coverageCoverage
100,000 per person
100,000 per accident bodily injury
Comp / Collision
$143
per month
card cover
Isabel (22 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carSubaru Forester 2.5I Premium
$234
per month

Subaru Forester insurance cost for senior drivers

Middle-aged and senior drivers enjoy some of the lowest insurance rates—but it doesn’t stay that way.
Insurance rates for seniors
tend to increase for drivers in their mid-60s and beyond due to slower reflexes that increase accident risk and greater vulnerability to serious injury from a crash. 
However, seniors can still find cheaper than average car insurance for their Subaru Forester with Jerry.
card cover
Mario (69 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$80
per month
card cover
Shane (71 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$95
per month
card cover
Lois (68 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$205
per month
card cover
Christina (75 years old)
coverageCoverage
State Minimum
carSubaru Forester 2.5I Premium
$123
per month
card cover
Mike (75 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
carSubaru Forester 2.5I Premium
$93
per month

Subaru Forester insurance cost for drivers with driving violations 

Your driving history has one of the biggest influences on car insurance rates. Drivers with a history of accidents and violations will see significantly higher premiums than drivers with a
clean driving record
Some common violations that can lead to high insurance premiums include

Cheapest car insurance for Subaru Forester drivers with speeding ticket

Speeding tickets don’t increase rates consistently—the severity of the offense will determine how much insurance rates increase. For example, a ticket for speeding 5 mph over the speed limit won’t increase your premium to the same degree as going 15 mph over. But if you were driving fast enough to warrant a reckless driving conviction, expect your rates to skyrocket.
If you were recently cited for speeding, shop with the Jerry app to find the most affordable rates and avoid overpaying.
Speeding TypeCarInsurance CompanyPremium (monthly)CustomerInsurance coverage
Speeding 1-5
Subaru Forester 2.5IProgressive
$300
• 50,000/100,000 Liability
• Comp / Collision
Speeding 11-15
Subaru Forester 2.5X Premium
Gainsco
$180
• State Minimum Liability
• Comp / Collision
Speeding 16-20
Subaru Forester 2.5I PremiumNational General
$67
• 30,000/60,000 Liability
Speeding 21+
Subaru Forester Limited
Clearcover
$190
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Jun 23, 2024

Cheapest car insurance for Subaru Forester drivers with a DUI record

A DUI is a serious conviction that will undoubtedly increase insurance rates, but even still, rates will vary between providers. If you have a DUI offense on your record, it pays to shop around and compare quotes before deciding on a policy. 
Check out how these Subaru Forester drivers with a DUI found affordable auto insurance rates with Jerry.
card cover
Oscar (29 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$96
per month
card cover
Etta (43 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$134
per month
card cover
Clearcover
Nellie (29 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
carSubaru Forester 2.5I Limited
$120
per month
card cover
Grace (29 years old)
coverageCoverage
State Minimum
$163
per month
card cover
Travis (29 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
locationBerthoud, CO
carSubaru Forester 2.5I Touring
$198
per month

Cheapest car insurance for Subaru Forester drivers after an accident

Your accident history can significantly impact how much you pay for car insurance. A history of at-fault accidents suggests you’re a risky driver, which leads to higher premiums. 
If you were recently involved in an at-fault accident and your insurance rates increased, Jerry can help you find an affordable car insurance rate. 
Accident typeCarInsurance CompanyPremium (monthly)CustomerInsurance coverage
At Fault With Injury
Subaru Forester 2.5XTravelers
$252
• 50,000/100,000 Liability
• Comp / Collision
Not At Fault
Subaru Forester 2.5IAllstate
$202
• 50,000/100,000 Liability
• Comp / Collision
At Fault With Injury
Subaru Forester LimitedMercury
$96
• 50,000/100,000 Liability
At Fault With No Injury
Subaru Forester 2.5IState Auto
$119
• 100,000/300,000 Liability
• Comp / Collision
At Fault With No Injury
Subaru Forester 2.5X LimitedBristol West
$223
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Jun 21, 2024

Cheapest car insurance for Subaru Forester drivers with other driving violations on their record

DUIs, speeding, and accidents are just three violations that can cause car insurance rates to increase. Other driving violations, such as reckless driving and driving without insurance, can also significantly affect insurance rates. 
Look at the table below to see how these and other driving violations can affect insurance rates and how Subaru Forester drivers found savings with Jerry.

ViolationCarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Illegal Turn
Subaru Forester 2.5XKemper
$101
• State Minimum Liability
Defective Equipment
Subaru Forester 2.5XProgressive
$86
• State Minimum Liability
Failure to Obey Signal
Subaru Forester LimitedNationwide
$112
• 100,000/300,000 Liability
• Comp / Collision
Wrong Way/Wrong Lane
Subaru Forester Sport
Clearcover
$106
• 25,000/50,000 Liability
• Comp / Collision
Cell Phone
Subaru Forester 2.5XSAAA
$303
• State Minimum Liability
Careless Driving
Subaru Forester 2.5XSafeco
$92
• 50,000/100,000 Liability
• Comp / Collision
Driving on Sus. License
Subaru Forester 2.0XT PremiumBristol West
$210
• 50,000/100,000 Liability
• Comp / Collision
Failure to Obey Signal
Subaru Forester 2.5I PremiumTravelers
$75
• 50,000/100,000 Liability
• Comp / Collision
Seat Belt
Subaru Forester 2.5I PremiumMercury
$125
• 100,000/300,000 Liability
• Comp / Collision
Improper Passing
Subaru Forester 2.5XProgressive
$281
• 30,000/60,000 Liability
• Comp / Collision
coverageLast Updated Jun 23, 2024

How can I lower the cost of insurance for my car?

If you think you’re overpaying for Subaru Forester car insurance, use these smart shopping strategies to help you save:
  • Shop around: If you want to find the cheapest car insurance rates, shop around and compare quotes from several providers for committing to one policy. And to ensure you’re always getting the cheapest insurance rate, shop for a new policy every six months.
  • Raise your deductible: All full coverage policies are subject to a
    car insurance deductible
    . Increasing your deductible to the highest amount you can afford to pay out of pocket in the event of a collision helps reduce your monthly payments. The higher your deductible, the lower your payments. 
  • Look for discounts:
    Car insurance discounts
    are a quick and easy way to save. Every insurance company offers discounts, from safe driver to paid in full, but what’s available will vary based on the provider and your location. 
  • Bundle your insurance policies: Insurance companies love customer loyalty.
    Bundle your homeowners and auto insurance
    with the same company, and you could receive a discount on your overall premium.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

avatar
Andrea Barrett
Andrea Barrett is an insurance writer with five years of experience in writing and publishing. Andrea specializes in car insurance, maintenance, and brand reviews, and her mission is to create comprehensive and useful content readers can use to help lower their car-related expenses. Andrea has written nearly 1,500 articles for Jerry on topics ranging from first-time buyer programs to insurance costs and vehicle life expectancies.
Before joining Jerry, Andrea co-founded a successful health food business and created content for clients in the health and wellness industry.
avatar
Kianna Walpole
badge icon
Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.