How much is insurance for a 2023 Subaru Forester premium?

I’m trying to figure out the cost of insurance for my 2023 Subaru Forester, which is financed for $35,000. This is my first time getting my own insurance. I was on another policy before but wasn’t the primary holder. I got my driver’s license in 2017.

The dealer connected me with a broker who quoted $250 per month with Progressive for a 6-month policy that would need renewal. This is for a car in Washington, zip code 98012.

I’m planning to reach out to State Farm, Geico, Costco Connect, and Amica. Are there any local insurance providers you would recommend checking out?

Update: Zip code 98012.

You asked for local options, but you didn’t mention your zip code.

Blane said:
You asked for local options, but you didn’t mention your zip code.

I updated my post to add my zip code.

Try an independent agent near you. They do all the searching for you and compare rates. You can look them up online for your area.

Welcome to Washington. Insurance here isn’t cheap.

I’ve had a good experience with Babbit Insurance brokers. They’re based in Enumclaw but can help you no matter where you are in the state. They shop around for the best rate that fits your needs.

Your quote seems pretty standard. Do you have any tickets or claims? Is this your first time having your own policy, or has there been a gap in coverage?

@ChrisBunnet
No tickets or claims. Progressive told me the policy includes comprehensive coverage, so I think it covers everything.

I talked to Amica today, and they quoted me $130 per month for the same coverage and deductible.

@Harlan
Comprehensive isn’t the same as gap coverage. You’ll want to make sure you have gap insurance too.

Your rate depends on your zip code, age, and provider.

Make sure to read up on insurance options. There’s more to it than just collision or liability. Some policies include things like gap coverage, full vs. limited tort, and uninsured motorist protection. Even your estimated mileage can impact the price.

Since your car is new and your main vehicle, you’ll probably want a policy that covers a bit more.

I posted about insurance for my 2022 Forester a couple of months ago.

I got a full-year policy with Travelers for a little over $1,700. That’s for a 2022 Forester Touring.

Progressive wanted over $2,500 for the year, and I had been with them for more than six years.

Good luck finding the best deal!

@Piper
Thanks for sharing. Travelers gave me a similar quote, but they wanted full payment upfront. I went with Amica for $130 per month instead.

Check Progressive too.

Do you need gap insurance? Not all companies offer it. I know Geico doesn’t.

Alton said:
Check Progressive too.

Do you need gap insurance? Not all companies offer it. I know Geico doesn’t.

What exactly is gap insurance?

Harlan said:

Alton said:
Check Progressive too.

Do you need gap insurance? Not all companies offer it. I know Geico doesn’t.

What exactly is gap insurance?

Gap insurance covers the difference between what your car is worth and what you owe on your loan if your car gets totaled.

For example, if your car is worth $30,000 but you still owe $35,000, your regular insurance will only pay the $30,000. You’d still have to pay the extra $5,000. Gap insurance covers that difference.

If you put down a small down payment or nothing at all, you’ll probably want gap insurance since cars lose value fast.

@Zya
That makes sense. I put $0 down, so I probably need gap coverage. I asked Amica about it, and they called it ‘loan/lease payoff’ instead of gap insurance.

Harlan said:
@Zya
That makes sense. I put $0 down, so I probably need gap coverage. I asked Amica about it, and they called it ‘loan/lease payoff’ instead of gap insurance.

Yep, same thing. Different companies use different names for it.

@Zya
It’s wild how Progressive quoted me $250 per month, but Amica is giving me the same coverage for $130 with the same limits and deductible.

I pay $161 total for a 2022 Ascent Limited, a 2016 Outback Limited, and a 2002 Jeep Wrangler. That includes my 18-year-old son on the policy, full coverage, and $1,000 deductible. I’m in Central Ohio.

Quade said:
I pay $161 total for a 2022 Ascent Limited, a 2016 Outback Limited, and a 2002 Jeep Wrangler. That includes my 18-year-old son on the policy, full coverage, and $1,000 deductible. I’m in Central Ohio.

Which company do you use? And how long have you had your license?

Best quote I’ve found so far is Amica at $130 per month for one car.

@Harlan
Progressive. Been with them for 14 years.