Compare the Cost of Subaru Forester Insurance by Model Year and Company

The average cost of car insurance for a Subaru Forester is $1,064 per year. A Subaru Forester’s average car insurance cost is cheaper than the average car insurance cost, making it an inexpensive car to insure. However, insurance rates vary depending on your car’s model year and the car insurance company of your choice.

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Last Updated: 10/31/2022
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Subaru Forester insurance rates vary between insurers depending on your car’s model year. Gathering quotes from multiple providers and comparing them is an excellent way to determine the best possible deal for your Subaru Forester.

Key Takeaways for Subaru Forester Insurance

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The cost of insurance for a Subaru Forester is $1,064 per year on average. It’s cheaper by $363 compared to the rate of the average car insurance.

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If you shop around for Subaru Forester car insurance, you may see that rates change by as much as $396 per year because different insurers offer varying rates.

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Insurance rates for the Subaru Forester can change by as much as $198 per year based on the model year. Rates for an older car model tend to be cheaper.

How Much It Costs to Insure a Subaru Forester and the Cheapest Company

Your insurer of choice can have a significant impact on the car insurance rates of your Subaru Forester. A car insurance policy for a Subaru Forester costs $1,064 per year on average.

GEICO offers the cheapest car insurance rate at an average of $907 per year. It’s $396 cheaper than Allied, which is the most expensive company at $1,303 per year on average.

The Average Annual Cost of Subaru Forester Insurance by Company

To complete this study, MoneyGeek gathered thousands of car insurance quotes from various providers for a 40-year-old driver carrying a 100/300/100 liability insurance with comprehensive and collision coverage.

The Average Cost to Insure a Subaru Forester by Company

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Is a Subaru Forester Expensive to Insure?

Car insurance companies use a wide range of factors to determine how much it costs to insure a Subaru Forester. They consider aspects such as a car’s value, whether it’s a sports or luxury car and how much power its engine produces.

A Subaru Forester is a low-value car that won’t cost a lot to repair. A driver using this car is also less likely to get into serious traffic accidents since it doesn’t have a lot of horsepower. These factors make a Subaru Forester inexpensive to insure.

The Best Car Insurance Company for a Subaru Forester

Cost is always a consideration when looking for Subaru Forester car insurance, but it shouldn’t be the sole factor. MoneyGeek used an internal rating system to determine the best car insurance company for a Subaru Forester. Aside from affordability, we also considered user satisfaction, customer complaints and financial strength.

We found that:

  • USAA is the best car insurance company, but only military members and their families are eligible to purchase its policies.
  • GEICO is the second-best insurer for a Subaru Forester, with policies that are widely available.

1
USAA
Score:94

4.6/5

Affordability

4.5/5

Claims Ratings

5/5

User Satisfaction

5/5

Financial Stability

2
GEICO
Score:90

5/5

Affordability

3.5/5

Claims Ratings

3/5

User Satisfaction

5/5

Financial Stability

3
Progressive
Score:83

4.4/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

4.5/5

Financial Stability

4
State Farm
Score:82

4.2/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

5/5

Financial Stability

5
Nationwide
Score:79

3.9/5

Affordability

4.5/5

Claims Ratings

3/5

User Satisfaction

4.5/5

Financial Stability

6
Allstate
Score:75

3.5/5

Affordability

4.5/5

Claims Ratings

3/5

User Satisfaction

4.5/5

Financial Stability

7
Allied
Score:NaN

3/5

Affordability

#N/A

Claims Ratings

#N/A

User Satisfaction

#N/A

Financial Stability

How Much It Costs to Insure a Subaru Forester by Model Year

Older Subaru Foresters are relatively inexpensive to insure. Their value depreciates over time, making comprehensive and collision insurance cheaper.

Coverage for a 2020 model costs $1,150 per year on average, while the annual average rate for a 2005 model is only $952. That’s a $198 average cost difference each year.

Depending on your car’s model year, you may find cheaper rates since insurers offer varying premiums. Here are the average costs of insurance for the Subaru Forester per model year:

  • 2005 Subaru Forester: $952 per year
  • 2010 Subaru Forester: $1,024 per year
  • 2016 Subaru Forester: $1,131 per year
  • 2017 Subaru Forester: $1,137 per year
  • 2018 Subaru Forester: $1,144 per year
  • 2019 Subaru Forester: $1,146 per year
  • 2020 Subaru Forester: $1,150 per year

With an annual average rate of $978, GEICO offers the cheapest car insurance for a 2020 Subaru Forester.

You can use your car’s model year to see the rates different companies offer. The insurer with the lowest rate may change depending on your car’s model year.

The Average Cost to Insure a Subaru Forester by Model Year

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  • Company
    Average Annual Rates (2020 model)
    Average Annual Rates (2019 model)
    Average Annual Rates (2018 model)
    Average Annual Rates (2017 model)
    Average Annual Rates (2016 model)
    Average Annual Rates (2010 model)
    Average Annual Rates (2005 model)
  • 1.
    $978
    $968
    $964
    $946
    $933
    $881
    $837
  • 2.
    $1,080
    $1,076
    $1,075
    $1,069
    $1,064
    $907
    $890
  • 3.
    $1,151
    $1,135
    $1,129
    $1,102
    $1,081
    $973
    $870
  • 4.
    $1,193
    $1,187
    $1,185
    $1,175
    $1,167
    $1,069
    $870
  • 5.
    $1,014
    $1,056
    $1,071
    $1,144
    $1,198
    $1,157
    $1,116

How Expensive Is It to Insure a Subaru Forester Compared to Other Cars?

Compared to the average car insurance cost, a Subaru Forester is less expensive to insure. A Subaru Forester is $363 cheaper to insure than the national average and only costs roughly $1,064 annually.

How Much It Costs to Insure a Subaru Forester for 16- to 25-Year-Olds

Another factor that significantly impacts the cost of car insurance for a Subaru Forester is the driver’s age. Insurers often see young drivers as riskier to insure due to their inexperience, causing them to charge them higher rates.

A 40-year-old driver pays $2,409 less per year on average for car insurance for a Subaru Forester than an 18-year-old driver. These younger drivers pay roughly $3,473 per year.

Parents of teen drivers can include them in their car insurance policy. It’s a more affordable way to secure coverage than allowing them to purchase car insurance separately.

The table below shows rates for young drivers aged 16 to 25.

The Average Cost to Insure a Subaru Forester by Driver Age

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  • Age
    Average Annual Rates
  • 16
    $4,453
  • 17
    $3,945
  • 18
    $3,473
  • 19
    $2,488
  • 20
    $2,220
  • 21
    $1,758
  • 22
    $1,619
  • 23
    $1,482
  • 24
    $1,391
  • 25
    $1,262
  • 40
    $1,064

How Does Location Affect the Cost of Subaru Forester Insurance?

This guide shows rates based on a national average, but where you live can affect how much you pay for your Subaru Forester’s insurance. MoneyGeek’s state page analysis provides more information about car insurance costs for specific states.

FAQs About Subaru Forester Insurance

Your car’s model significantly impacts how much you pay for car insurance. Although it’s not the only aspect insurers consider, it’s a significant factor. Here are some of the most commonly asked questions regarding Subaru Forester insurance.

Read More About Car Insurance

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.