Average insurance costs for a Subaru Forester run $164 monthly for full coverage and $85 for minimum coverage. Depending on your particular trim and model year, you'll pay anywhere from $58 to $235 monthly.
Subaru Forester Insurance Cost
Updated: February 3, 2026
Key Takeaways
GEICO offers the most affordable Subaru Forester insurance on average, though full coverage costs vary widely by model year and insurer. Forester owners pay around $164 monthly for comprehensive protection. Read more
SUVs face higher premiums due to increased repair costs and theft risk, but the Forester ranks 68th out of 256 SUVs for affordability. This middle-tier ranking makes it reasonably priced within its vehicle category. Read more
Your Forester's specific model year affects insurance rates, especially with teen drivers on your policy. Read MoneyGeek's analysis of rates by company for specific Forester model years, depending on the age of the drivers
How Much Is Subaru Forester Insurance?
| Subaru Forester | $85 | $164 |
Looking for another Subaru model? Read more about the cost of Subaru car insurance models.
Your Subaru Forester's insurance costs vary by age, from $58 monthly for older models to $223 for the newest ones. Like most vehicles, newer Foresters cost more to insure because they're worth more money, while older models benefit from lower market values.
Insurance costs for a Subaru Forester depend on model year and company. Full coverage goes from $125 monthly with GEICO to $290 with AIG, while minimum coverage runs $58 with GEICO to $152 with UAIC.
Subaru Forester owners should shop between insurers since minimum coverage varies by over $94 and full coverage by over $165. Each company calculates risk differently for the Subaru Forester, affecting your final quote.
| AAA | $98 | $202 |
| AIG | $120 | $290 |
| Allstate | $107 | $206 |
| Amica | $107 | $218 |
| Chubb | $107 | $210 |
| Farmers | $129 | $227 |
| Geico | $58 | $125 |
| Kemper | $88 | $178 |
| Nationwide | $93 | $160 |
| Progressive | $85 | $157 |
| State Farm | $76 | $158 |
| The Hartford | $100 | $170 |
| Travelers | $74 | $136 |
| UAIC | $152 | $189 |
Is Subaru Forester Expensive to Insure?
MoneyGeek's analysis of 256 SUVs reveals the Subaru Forester ranks 68th for insurance affordability, meaning 67 models cost less to insure. It's positioned between the BMW X3, which costs a few dollars less per month, and the Hyundai Tucson, which runs slightly more expensive. This middle-tier ranking among SUVs provides useful context, but the category itself tends to carry higher insurance costs than other vehicle types.
The broader picture looks more favorable for Forester owners. Among all 827 vehicles in MoneyGeek's database, it ranks 287th, placing it in the top 35% most affordable models to insure. While the Isuzu Amigo claims the cheapest SUV spot and the Audi SQ8 e-tron commands the highest premiums, the Forester offers solid value for insurance costs.
| GMC Terrain | $124 | 65 |
| Nissan Pathfinder | $124 | 66 |
| BMW X3 | $124 | 67 |
| Subaru Forester | $125 | 68 |
| Infiniti EX | $125 | 69 |
| Hyundai Tuscon | $125 | 69 |
| Jeep Wrangler | $126 | 70 |
| Kia Soul | $126 | 71 |
Several factors affect what you'll pay for Subaru Forester insurance:
- Average Repair or Replacement Costs: The Forester ranks as Subaru's fifth most affordable model to maintain, with repair costs averaging just $757 annually. This relatively low maintenance expense helps keep insurance premiums more affordable compared to costlier vehicles.
- Vehicle Trim, Features and Accessories: Horsepower ranges from 182 to 260, depending on your trim level, directly impacting insurance costs. Higher-performance trims with increased horsepower command higher premiums since greater performance capabilities lead to elevated insurance rates.
- Driver Profile:Â Most Forester owners fall between 35 and 54 years old, with a median age of around 45. The vehicle's performance reputation can attract risk-taking behaviors that concern insurers. Read more about the costs of Subaru Foresters for young drivers.
Subaru Forester Costs by Model Year and Driver Age by Insurance Company
Full coverage car insurance for a 35- to 55-year-old driver with a 2025 Subaru Forester costs an average of $210 per month compared to $174 for a 2016 model. Newer car models tend to be much more expensive than older models, and insurance costs for your Subaru Forester may change greatly depending on your model year and driver age. Young drivers in their teens and early twenties will pay much more to insure across all model years.
GEICO offers the cheapest rates across all Forester model years.
• 2025 Subaru Forester Insurance Rates
• 2024 Subaru Forester Insurance Rates
• 2023 Subaru Forester Insurance Rates
• 2022 Subaru Forester Insurance Rates
• 2021 Subaru Forester Insurance Rates
Older models (2016 to 2020):
Cost of Car Insurance for 2025 Subaru Forester
| Geico | $63 | $138 |
| Travelers | $78 | $144 |
| National General | $79 | $161 |
| Nationwide | $80 | $138 |
| Progressive | $86 | $160 |
| State Farm | $97 | $203 |
| Kemper | $102 | $210 |
| AAA | $113 | $234 |
| Allstate | $115 | $222 |
| Amica | $120 | $245 |
| The Hartford | $124 | $211 |
| Chubb | $128 | $252 |
| AIG | $140 | $345 |
| Farmers | $162 | $286 |
| UAIC | $162 | $202 |
2025 Subaru Forester Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $627 | $573 | $527 | $447 | $378 | $245 | $228 | $212 | $201 | $180 |
| State Farm | $763 | $671 | $593 | $513 | $453 | $385 | $349 | $312 | $285 | $251 |
| Geico | $784 | $571 | $480 | $348 | $300 | $242 | $223 | $184 | $174 | $158 |
| Travelers | $874 | $627 | $494 | $380 | $336 | $246 | $225 | $207 | $192 | $166 |
| Allstate | $1,054 | $825 | $666 | $493 | $441 | $344 | $312 | $295 | $279 | $246 |
| Progressive | $1,157 | $936 | $777 | $432 | $377 | $305 | $272 | $242 | $223 | $192 |
| Farmers | $1,784 | $1,325 | $1,177 | $735 | $693 | $528 | $470 | $449 | $427 | $358 |
Cost of Car Insurance for 2024 Subaru Forester
| Geico | $59 | $128 |
| Travelers | $72 | $133 |
| National General | $73 | $149 |
| Nationwide | $74 | $128 |
| Progressive | $79 | $148 |
| State Farm | $90 | $187 |
| Kemper | $94 | $194 |
| AAA | $105 | $217 |
| Allstate | $106 | $205 |
| Amica | $111 | $227 |
| The Hartford | $115 | $195 |
| Chubb | $118 | $233 |
| AIG | $129 | $319 |
| UAIC | $149 | $187 |
| Farmers | $149 | $264 |
2024 Subaru Forester Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $580 | $530 | $488 | $414 | $350 | $227 | $210 | $196 | $186 | $166 |
| State Farm | $705 | $620 | $549 | $474 | $418 | $356 | $323 | $288 | $264 | $232 |
| Geico | $725 | $528 | $444 | $322 | $277 | $224 | $206 | $170 | $161 | $146 |
| Travelers | $808 | $579 | $457 | $352 | $310 | $227 | $208 | $192 | $177 | $153 |
| Allstate | $974 | $763 | $616 | $456 | $408 | $318 | $289 | $273 | $257 | $228 |
| Progressive | $1,070 | $865 | $718 | $400 | $349 | $282 | $251 | $224 | $206 | $177 |
| Farmers | $1,649 | $1,225 | $1,089 | $679 | $641 | $488 | $434 | $416 | $395 | $331 |
Cost of Car Insurance for 2023 Subaru Forester
| Geico | $50 | $110 |
| Travelers | $62 | $114 |
| National General | $63 | $128 |
| Nationwide | $63 | $110 |
| Progressive | $68 | $127 |
| State Farm | $77 | $161 |
| Kemper | $81 | $167 |
| AAA | $90 | $186 |
| Allstate | $91 | $176 |
| Amica | $95 | $195 |
| The Hartford | $99 | $168 |
| Chubb | $101 | $201 |
| AIG | $111 | $274 |
| Farmers | $129 | $227 |
| UAIC | $128 | $161 |
2023 Subaru Forester Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $499 | $456 | $419 | $356 | $301 | $195 | $181 | $169 | $160 | $143 |
| State Farm | $606 | $533 | $472 | $408 | $360 | $306 | $278 | $248 | $227 | $200 |
| Geico | $624 | $454 | $382 | $277 | $238 | $192 | $177 | $146 | $139 | $126 |
| Travelers | $695 | $498 | $393 | $302 | $267 | $196 | $179 | $165 | $152 | $132 |
| Allstate | $838 | $656 | $530 | $392 | $351 | $274 | $248 | $235 | $221 | $196 |
| Progressive | $920 | $744 | $618 | $344 | $300 | $242 | $216 | $193 | $177 | $152 |
| Farmers | $1,418 | $1,053 | $936 | $584 | $551 | $420 | $374 | $357 | $339 | $285 |
Cost of Car Insurance for 2022 Subaru Forester
| Geico | $47 | $103 |
| Travelers | $58 | $107 |
| National General | $59 | $120 |
| Nationwide | $59 | $103 |
| Progressive | $64 | $119 |
| State Farm | $72 | $151 |
| Kemper | $76 | $156 |
| AAA | $84 | $175 |
| Allstate | $86 | $165 |
| Amica | $89 | $183 |
| The Hartford | $92 | $158 |
| Chubb | $95 | $188 |
| AIG | $104 | $257 |
| UAIC | $121 | $151 |
| Farmers | $121 | $213 |
2022 Subaru Forester Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $468 | $427 | $393 | $334 | $282 | $183 | $170 | $158 | $150 | $134 |
| State Farm | $569 | $500 | $442 | $382 | $338 | $287 | $261 | $233 | $213 | $187 |
| Geico | $585 | $426 | $358 | $259 | $223 | $180 | $166 | $137 | $130 | $118 |
| Travelers | $652 | $467 | $369 | $284 | $250 | $183 | $168 | $155 | $143 | $124 |
| Allstate | $786 | $616 | $497 | $368 | $329 | $257 | $233 | $220 | $208 | $184 |
| Progressive | $863 | $698 | $579 | $322 | $281 | $227 | $202 | $181 | $166 | $143 |
| Farmers | $1,330 | $988 | $878 | $548 | $517 | $394 | $350 | $335 | $318 | $267 |
Cost of Car Insurance for 2021 Subaru Forester
| Geico | $42 | $91 |
| Travelers | $52 | $95 |
| National General | $52 | $106 |
| Nationwide | $53 | $91 |
| Progressive | $56 | $105 |
| State Farm | $64 | $134 |
| Kemper | $67 | $138 |
| AAA | $75 | $155 |
| Allstate | $76 | $146 |
| Amica | $79 | $162 |
| The Hartford | $82 | $139 |
| Chubb | $84 | $166 |
| AIG | $92 | $228 |
| UAIC | $107 | $133 |
| Farmers | $107 | $189 |
2021 Subaru Forester Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $414 | $378 | $348 | $295 | $249 | $162 | $150 | $140 | $132 | $119 |
| State Farm | $503 | $443 | $391 | $338 | $299 | $254 | $230 | $206 | $188 | $166 |
| Geico | $517 | $377 | $317 | $229 | $198 | $159 | $147 | $121 | $115 | $104 |
| Travelers | $577 | $413 | $326 | $251 | $221 | $162 | $148 | $137 | $126 | $109 |
| Allstate | $695 | $544 | $439 | $325 | $291 | $227 | $206 | $195 | $184 | $162 |
| Progressive | $763 | $617 | $512 | $285 | $249 | $201 | $179 | $160 | $147 | $126 |
| Farmers | $1,176 | $874 | $777 | $485 | $457 | $348 | $310 | $296 | $282 | $236 |
Cost of Car Insurance for 2020 Subaru Forester
| Geico | $58 | $125 |
| National General | $65 | $133 |
| Travelers | $70 | $130 |
| Progressive | $74 | $138 |
| Nationwide | $81 | $141 |
| State Farm | $87 | $181 |
| Kemper | $90 | $183 |
| AAA | $98 | $202 |
| Allstate | $99 | $191 |
| Amica | $100 | $205 |
| Chubb | $101 | $200 |
| The Hartford | $103 | $176 |
| AIG | $116 | $285 |
| Farmers | $131 | $231 |
| UAIC | $143 | $180 |
2020 Subaru Forester Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Nationwide | $639 | $584 | $538 | $456 | $386 | $250 | $232 | $216 | $204 | $183 |
| State Farm | $681 | $599 | $529 | $458 | $404 | $343 | $312 | $278 | $254 | $224 |
| Geico | $708 | $516 | $434 | $315 | $271 | $219 | $202 | $167 | $158 | $143 |
| Travelers | $785 | $562 | $442 | $340 | $300 | $221 | $202 | $186 | $172 | $149 |
| Allstate | $913 | $715 | $576 | $425 | $381 | $297 | $270 | $255 | $240 | $212 |
| Progressive | $996 | $804 | $667 | $372 | $325 | $262 | $234 | $209 | $192 | $165 |
| Farmers | $1,442 | $1,070 | $951 | $593 | $559 | $426 | $379 | $363 | $345 | $290 |
Cost of Car Insurance for 2019 Subaru Forester
| Geico | $53 | $115 |
| National General | $56 | $114 |
| Travelers | $68 | $124 |
| Progressive | $74 | $139 |
| State Farm | $76 | $157 |
| Nationwide | $83 | $144 |
| Chubb | $88 | $172 |
| Amica | $90 | $184 |
| AAA | $91 | $188 |
| Kemper | $98 | $200 |
| Allstate | $99 | $191 |
| The Hartford | $103 | $175 |
| AIG | $109 | $267 |
| Farmers | $124 | $219 |
| UAIC | $142 | $178 |
2019 Subaru Forester Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $591 | $520 | $460 | $397 | $351 | $298 | $271 | $242 | $221 | $195 |
| Geico | $651 | $474 | $398 | $289 | $249 | $201 | $185 | $153 | $145 | $132 |
| Nationwide | $654 | $598 | $550 | $467 | $395 | $256 | $237 | $221 | $209 | $187 |
| Travelers | $752 | $537 | $423 | $325 | $286 | $212 | $193 | $178 | $164 | $143 |
| Allstate | $920 | $719 | $578 | $425 | $381 | $297 | $270 | $254 | $239 | $212 |
| Progressive | $1,005 | $811 | $672 | $375 | $327 | $264 | $235 | $210 | $193 | $166 |
| Farmers | $1,347 | $1,000 | $890 | $559 | $528 | $403 | $358 | $343 | $326 | $274 |
Cost of Car Insurance for 2018 Subaru Forester
| Geico | $55 | $119 |
| National General | $59 | $122 |
| Travelers | $69 | $127 |
| Progressive | $80 | $150 |
| State Farm | $83 | $173 |
| Nationwide | $89 | $153 |
| Chubb | $94 | $185 |
| Amica | $94 | $193 |
| AAA | $95 | $197 |
| Kemper | $97 | $197 |
| The Hartford | $100 | $170 |
| Allstate | $100 | $194 |
| AIG | $112 | $275 |
| Farmers | $129 | $228 |
| UAIC | $141 | $176 |
2018 Subaru Forester Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $652 | $574 | $508 | $439 | $387 | $329 | $299 | $267 | $244 | $215 |
| Geico | $675 | $492 | $413 | $300 | $258 | $208 | $192 | $159 | $150 | $137 |
| Nationwide | $697 | $637 | $587 | $498 | $421 | $273 | $253 | $236 | $223 | $199 |
| Travelers | $768 | $550 | $433 | $333 | $293 | $217 | $198 | $182 | $168 | $146 |
| Allstate | $925 | $724 | $583 | $431 | $386 | $301 | $274 | $258 | $244 | $215 |
| Progressive | $1,090 | $880 | $729 | $407 | $355 | $286 | $255 | $228 | $209 | $180 |
| Farmers | $1,417 | $1,052 | $936 | $583 | $550 | $419 | $373 | $357 | $339 | $285 |
Cost of Car Insurance for 2017 Subaru Forester
| Geico | $56 | $122 |
| National General | $60 | $122 |
| Travelers | $70 | $129 |
| Progressive | $77 | $144 |
| State Farm | $86 | $179 |
| Kemper | $90 | $185 |
| Chubb | $92 | $181 |
| Nationwide | $94 | $162 |
| Amica | $95 | $194 |
| AAA | $95 | $197 |
| Allstate | $100 | $192 |
| The Hartford | $102 | $173 |
| AIG | $111 | $271 |
| Farmers | $130 | $230 |
| UAIC | $138 | $172 |
2017 Subaru Forester Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $675 | $593 | $525 | $454 | $400 | $340 | $309 | $276 | $252 | $222 |
| Geico | $691 | $503 | $423 | $307 | $264 | $213 | $197 | $163 | $154 | $140 |
| Nationwide | $740 | $675 | $623 | $528 | $446 | $289 | $268 | $250 | $236 | $211 |
| Travelers | $778 | $557 | $438 | $338 | $297 | $220 | $200 | $185 | $170 | $148 |
| Allstate | $916 | $717 | $578 | $427 | $383 | $298 | $271 | $256 | $241 | $213 |
| Progressive | $1,049 | $846 | $702 | $391 | $342 | $276 | $246 | $219 | $202 | $173 |
| Farmers | $1,432 | $1,063 | $945 | $588 | $555 | $422 | $376 | $360 | $342 | $288 |
Cost of Car Insurance for 2016 Subaru Forester
| Geico | $53 | $114 |
| National General | $59 | $121 |
| Travelers | $69 | $128 |
| State Farm | $75 | $155 |
| Progressive | $82 | $153 |
| Kemper | $84 | $171 |
| The Hartford | $93 | $158 |
| Chubb | $94 | $187 |
| Amica | $94 | $193 |
| Nationwide | $95 | $164 |
| AAA | $98 | $202 |
| Allstate | $99 | $191 |
| AIG | $112 | $276 |
| UAIC | $130 | $162 |
| Farmers | $134 | $237 |
2016 Subaru Forester Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $584 | $514 | $454 | $392 | $346 | $294 | $268 | $239 | $218 | $192 |
| Geico | $645 | $470 | $395 | $286 | $247 | $199 | $184 | $152 | $144 | $131 |
| Nationwide | $745 | $681 | $628 | $533 | $450 | $291 | $270 | $252 | $238 | $213 |
| Travelers | $762 | $550 | $434 | $335 | $295 | $218 | $199 | $184 | $170 | $147 |
| Allstate | $900 | $704 | $571 | $425 | $381 | $296 | $269 | $255 | $241 | $212 |
| Progressive | $1,113 | $897 | $744 | $414 | $361 | $292 | $260 | $232 | $213 | $183 |
| Farmers | $1,478 | $1,100 | $977 | $608 | $573 | $436 | $388 | $371 | $353 | $296 |
Subaru Forester Insurance Cost by Trim
Insurance costs for your Subaru Forester vary by trim, from $62 monthly for minimum coverage on L Sport Utility 4d models to $235 for full coverage on 2.5x Premium Sport Utility 4d variants. Performance features and market value determine where each trim falls in this range.
| L Sport Utility 4d | $62 | $119 |
| S Sport Utility 4d | $62 | $120 |
| Sport Utility 4d | $68 | $133 |
| Premium Sport Utility 4d | $73 | $141 |
| Sport Suv 4d | $73 | $143 |
| Xs Sport Utility 4d | $75 | $144 |
| Xs Ll Bean Edition Sport Utility 4d | $75 | $144 |
| Limited Sport Utility 4d | $76 | $148 |
| X Sport Utility 4d | $77 | $147 |
| 2.0xt Premium Sport Utility 4d | $77 | $148 |
| Wilderness Sport Utility 4d | $77 | $151 |
| Forester | $78 | $152 |
| Touring Sport Utility 4d | $79 | $154 |
| 2.5i Limited Sport Utility 4d | $80 | $154 |
| 2.5i Touring Sport Utility 4d | $80 | $155 |
| 2.5i Premium Sport Utility 4d | $80 | $154 |
| 2.5i Sport Utility 4d | $81 | $155 |
| 2.5x Touring Sport Utility 4d | $81 | $155 |
| 2.5xt Premium Sport Utility 4d | $81 | $156 |
| 2.0xt Touring Sport Utility 4d | $83 | $160 |
| Premium | $85 | $165 |
| Sports X Sport Utility 4d | $86 | $166 |
| Sport | $90 | $175 |
| 2.5xt Touring Sport Utility 4d | $94 | $180 |
| X Ll Bean Edition Sport Utility 4d | $94 | $182 |
| Limited | $95 | $185 |
| Wilderness | $97 | $188 |
| Xt Sport Utility 4d | $100 | $192 |
| 2.5x Sport Utility 4d | $104 | $200 |
| Touring | $104 | $203 |
| X Limited Sport Utility 4d | $106 | $204 |
| 2.5x Limited Sport Utility 4d | $110 | $212 |
| Sports Xt Sport Utility 4d | $110 | $212 |
| Xt Limited Sport Utility 4d | $112 | $215 |
| 2.5xt Limited Sport Utility 4d | $113 | $217 |
| 2.5x Premium Sport Utility 4d | $122 | $235 |
Subaru Forester Insurance Cost by State
Subaru Forester insurance costs range from $31 monthly in Wyoming to $171 in Louisiana for minimum coverage, depending on where you're located. These differences reflect your state's risk factors and insurance regulations rather than anything specific about the Forester itself.
| Alabama | $70 | $132 |
| Alaska | $60 | $128 |
| Arizona | $100 | $186 |
| Arkansas | $66 | $147 |
| California | $82 | $166 |
| Colorado | $80 | $191 |
| Connecticut | $118 | $202 |
| Delaware | $118 | $199 |
| Florida | $108 | $248 |
| Georgia | $126 | $206 |
| Hawaii | $45 | $101 |
| Idaho | $45 | $92 |
| Illinois | $77 | $144 |
| Indiana | $54 | $107 |
| Iowa | $45 | $110 |
| Kansas | $59 | $138 |
| Kentucky | $107 | $180 |
| Louisiana | $171 | $364 |
| Maine | $43 | $89 |
| Maryland | $128 | $216 |
| Massachusetts | $86 | $181 |
| Michigan | $123 | $238 |
| Minnesota | $69 | $142 |
| Mississippi | $73 | $144 |
| Missouri | $101 | $200 |
| Montana | $59 | $140 |
| Nebraska | $61 | $140 |
| Nevada | $149 | $269 |
| New Hampshire | $58 | $103 |
| New Jersey | $139 | $229 |
| New Mexico | $69 | $153 |
| New York | $101 | $181 |
| North Carolina | $68 | $133 |
| North Dakota | $49 | $107 |
| Ohio | $63 | $122 |
| Oklahoma | $76 | $168 |
| Oregon | $102 | $178 |
| Pennsylvania | $72 | $166 |
| Rhode Island | $105 | $187 |
| South Carolina | $86 | $160 |
| South Dakota | $43 | $132 |
| Tennessee | $64 | $130 |
| Texas | $106 | $217 |
| Utah | $91 | $155 |
| Vermont | $37 | $88 |
| Virginia | $80 | $129 |
| Washington | $77 | $142 |
| West Virginia | $73 | $148 |
| Wisconsin | $53 | $117 |
| Wyoming | $31 | $96 |
How to Lower the Cost of Subaru Forester Insurance
Here are the most effective strategies to lower your Subaru Forester insurance costs:
- 1Choose the right coverage
You'll need to figure out how much coverage to buy for your Subaru Forester. Own your vehicle? Get state minimum liability plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, plus gap insurance.
- 2Research costs and cheap companies
Learn what you should pay by researching average auto insurance costs for SUVs like your Forester. This benchmark assists with finding the cheapest car insurance companies offering competitive rates in your area.
- 3Look for more than just low rates
Finding quality car insurance means evaluating insurers beyond price quotes alone. Check J.D. Power satisfaction ratings, examine forum discussions about claims handling, review Better Business Bureau records and verify AM Best financial stability ratings. Budget options might offer limited coverage or slower claims service.
- 4Explore discounts you qualify for
Discover car insurance discounts that apply to your situation. Subaru Forester owners often qualify for safety features discounts, good driver rewards, multi-vehicle savings and bundling discounts when combining auto and home policies.
- 5Consider alternative car insurance types
Subaru Forester owners might benefit from usage-based insurance programs. Options like Progressive Snapshot or Allstate Drivewise track safe driving habits and deliver premium reductions based on your actual driving behavior.
- 6Check rates every year
Obtain car insurance quotes from multiple companies annually. Your insurer doesn't notify you when competitors lower their prices, so yearly comparisons could save up to 24% on your Subaru Forester insurance costs.
Subaru Forester Insurance Cost: Bottom Line
Subaru Forester insurance runs about average compared to other vehicles, though you'll find competitive rates with some effort. Shopping between insurers and claiming available discounts helps secure better pricing for your coverage needs.
Subaru Forester Insurance Rates: FAQ
What is the average cost of car insurance for a Subaru Forester?
Subaru Forester insurance costs $1,021 annually for state minimum coverage and $1,972 for full coverage. Monthly premiums average $85 for minimum and $164 for comprehensive protection.
What company has the cheapest car insurance for a Subaru Forester?
GEICO provides the most affordable minimum coverage for a Subaru Forester at $694 annually. The company also delivers the best value for full coverage at $1,500 per year.
Are Subaru Foresters expensive to insure?
No, Subaru Forester insurance is not expensive compared to most vehicles. The Forester ranks 287th out of 827 vehicles for affordability, placing it in the more affordable half of all models we track.
What factors affect insurance costs for Subaru Foresters?
Various elements affect your Subaru Forester insurance premiums. Personal factors like your driving record and credit score impact rates, along with your coverage selections. The Forester's safety features and moderate repair costs help keep premiums reasonable compared to other vehicles.
How can I lower Subaru Forester insurance costs?
Compare quotes from multiple insurers since Subaru Forester costs differ between companies, and explore usage-based programs that monitor your driving behavior. Claim available discounts, bundle with home or renters insurance, and maintain a clean driving record to secure better rates.
How We Determined Subaru Forester Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold from 2000 to 2025 to determine the most accurate Subaru Forester insurance costs.
Who We Based These Rates On
These Subaru Forester prices reflect what a typical driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.