What Insurance is Cheapest for a Subaru Forester in Oklahoma City?

Buying competitive car insurance for a Subaru Forester relies on lots of different factors such as driver age, your claims history, and blemishes on your driving record. Drivers pay around $1,334 per year to insure their Forester, but that cost is using a 40-year-old married male driver with full physical damage coverage and $250 deductibles.

Most likely you’re not a 40-year-old male, you might be single instead of married, and you want different coverage limits than the example. Even a slight difference in rating criteria may result in a big change in the price of coverage.

There is no perfect policy for every driver, so the way we recommend to find cheap auto insurance rates for your Subaru is to just compare rates yourself.

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The specific model of Forester tends to have a direct impact on price, so the price you pay to insure a Forester X AWD trim level will be $136 less than the price to insure the more expensive Forester XT Limited Edition W/Navigation AWD model, as shown by the rates below.

Data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Information does not factor in specific Oklahoma City garaging location which can impact rates substantially.

Finding dependable, affordable auto insurance is hard enough, and deciding which companies quote the most affordable car insurance rates for a Subaru Forester takes even more perseverance. Each insurance company has their own guidelines for determining rates in each state, so let’s take a look at the car insurance companies with the overall cheapest rates in Oklahoma City, OK.

Keep in mind that Oklahoma City car insurance rates are determined by lots of factors that can increase the price you pay for coverage. Simply having another birthday, buying another vehicle, or having a fender bender may generate price changes resulting in some companies being much higher than others.

Cheapest Insurance Rates for Your Subaru

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Oklahoma Farmers Union offers some of the lowest car insurance rates in Oklahoma City at around $1,154 per year. This is $813 less than the average premium paid by Oklahoma drivers of $1,967. USAA, The Hartford, GEICO, and Safe Auto also rank well as some of the cheapest Oklahoma City, OK car insurance companies.

As shown in the table above, if you buy coverage from GEICO and switched to USAA, you could earn a yearly price reduction of upwards of $209. Insureds with Safe Auto might save as much as $234 a year, and Farmers customers might lower prices by up to $237 a year.

Understand that those rates are averaged across all ages of drivers and types of vehicles and are not factoring in a specific vehicle garaging location for a Subaru Forester. So the company that can offer you the best price may not even be in the top 17 companies in the list above. That points out the importance of why you need to quote rates from as many companies as possible using your own personal information and vehicle type.

How accidents and tickets impact rates

The recommended way to find good car insurance prices in Oklahoma City for a Forester is to be an attentive driver and avoid accidents and violations. The example below demonstrates how citations and accident claims raise auto insurance rates for each age group. The price estimates are based on a married female driver, full coverage, $500 deductibles, and no policy discounts are applied.

The data above shows the average cost of an auto insurance policy per year with a clean driving record and no accidents is $1,816. Factor in two speeding tickets and the average cost swells to $2,582, an increase of $766 each year. Now throw in two accidents along with the two speeding tickets and the 12-month cost of car insurance for a Subaru Forester goes up to an average of $5,386. That’s an increase of $3,570, or $298 per month, just for not driving carefully!

Why you should be shopping around

Oklahoma City, OK car insurance rates are impacted by many things which can substantially decrease or increase your annual premium. Simply turning a year older, getting married, or getting a driving violation may generate price changes resulting in some rates now being more affordable than others. In addition, insurance companies modify pricing every year or even multiple times each year in order to maintain liquidity for claims. Unexpectedly high claims may result in higher rates, while lower claim levels can result in more affordable Forester insurance rates.

As an example, the data below analyzes the cheapest car insurance in Oklahoma City, OK for a 45-year-old female driver with no prior accidents, a clean driving record, and a good credit history. If we look at prices based on her current risk factors, USAA has the cheapest car insurance rates in Oklahoma City at $1,446 a year. This is $521 less than the average price paid by Oklahoma drivers of $1,967. Oklahoma Farmers Union, GEICO, The Hartford, and Safe Auto also make the list of the top five cheapest Oklahoma City, OK auto insurance companies.

The example below compares rates after we give the driver from the first set of rates a claim or two, a lower credit rating, and a few traffic violations. Because each insurer uses a different method for setting rates, comparing rates may now present a different ranking of the cheapest Oklahoma City car insurance companies as shown below.

State Farm now has the best insurance rate in Oklahoma City with Oklahoma Farmers Union, GEICO, Travelers, and Liberty Mutual now rounding out the top five. This example demonstrates why consumers need to take the time to compare rates to get cheap car insurance rates for a Subaru Forester.

Car insurance prices can be determined by many things and change frequently, so the cheapest option when you bought your policy may now be quite expensive.