Insurance Analysis of the 2014 Subaru Forester

The 2014 Subaru Forester is almost a completely new car inside.

The 2014 Subaru Forester

The 2014 Subaru Forester is the first 2014 vehicle for our insurance analysis. It feels rather odd though that here we are only in March, and we are already talking about a 2014 model.

Regardless of the year, the new Forester is definitely a forward thinking vehicle that Subaru seems to have worked hard to improve. They have made improvements to make the inside roomier, the engine more powerful, and the technology more advanced.

They have also made improvements to the safety features. Improvements like adding anti-whiplash front seats, EyeSight driver assist., and an airbag for the driver’s knees. Yes, that last one may sound silly, but I wish I had a knee airbag in my car during my car accident.

Will these new safety features affect your insurance though?

Safety Testing of the 2014 Subaru Forester

The 2014 Subaru Forester is a “Top Safety Pick” by the Insurance Institute of Highway Safety (IIHS). It would have most likely been a “Top Safety Pick +”, but the vehicle was only put through 4 of the 5 safety tests that the IIHS does, and they require at least an acceptable rating on the 5th test for the vehicle to qualify as a “Top Safety Pick +”.

2014 Subaru Forester Recalls

So far so good for the 2014 Forester with no recalls in sight.

Insurance Thoughts on the 2014 Subaru Forester

With the price range of the new Forester ranging from just under $22,000 to $32,995 the price for the comprehensive and collision coverages should vary depending on the model of 2014 Subaru Forest chosen. The more expensive models will see the highest premiums for these coverages, but it should not be much.

The biggest difference in premium between models will most likely be attributed to the engine differences between models. The Forester 2.0XT has a turbocharged engine that runs at 250hp compared to the 170hp in the base model. This increase in engine power can affect the premium for the liability, comprehensive, and collision coverages because the increased power strength can lead drivers to do things they would not normally do in vehicles with less power; leading to a higher chance of a car accident.

Compared to other vehicles in its class though, the increased safety features like the EyeSight drivers assist. could balance out the higher premium for the more powerful engine. The EyeSight is a camera-based active safety option that includes precollision braking, warnings when you are going to drift out of your lane, as well as an adaptive cruise control.

Overall, the 2014 Subaru Forest has a number of extra safety features plus a high safety rating from the IIHS that even if the premium was a little bit higher than other models, the extra safety provided to those in the vehicle may be well worth it.