Annual Subaru Forester insurance costs range from $1,007 to $5,440 for full coverage. Rates vary based on the model year, driver age, location, driving history, coverage level and insurer. MoneyGeek explores Subaru Forester coverage options and costs, highlighting the best and most affordable insurers.
Subaru Forester Insurance Cost
Updated: April 11, 2025
Key Takeaways
State Farm offers the most affordable minimum coverage for all Subaru Forester model years, with an annual cost of $451.
For a Subaru Forester, the average yearly cost is $560 for minimum coverage and $1,250 for full coverage.
MoneyGeek analyzed 4,183 Subaru Forester insurance quotes to provide comprehensive insights.
Subaru Forester Insurance Rates
What Is the Average Subaru Forester Car Insurance Cost?
Subaru Forester full coverage insurance costs about $104 monthly or $1,250 annually, based on a 40-year-old male with a clean driving record. For minimum coverage, expect to pay around $47 per month or $560 per year.
| Minimum Coverage | $560 |
| Full Coverage | $1,250 |
Read more: Average Cost of Car Insurance
Subaru Forester Insurance Costs by Company
Subaru Forester insurance costs range from $1,035 to $1,851 annually, depending on age, model year and coverage level. The table below compares average Subaru Forester insurance rates with the averages for all vehicles from several national and mid-sized providers.
| Allstate | $1,362 | $1,814 | -25% |
| Auto-Owners | $1,081 | $1,228 | -12% |
| Farmers | $1,553 | $1,958 | -21% |
| GEICO | $1,059 | $1,334 | -21% |
| Kemper | $1,851 | $2,214 | -16% |
| Nationwide | $1,286 | $1,590 | -19% |
| Progressive | $1,523 | $1,744 | -13% |
| State Farm | $1,049 | $1,271 | -17% |
| Travelers | $1,188 | $1,524 | -22% |
| USAA | $1,035 | $1,201 | -14% |
Read more: Best Car Insurance Companies
Cost of Insuring a Subaru Forester by Model Year
Your Subaru Forester's production year impacts insurance rates, with older models often being cheaper. For instance, full coverage for a 2009 model costs $1,129 annually, while a 2018 model costs $1,362. Below is a breakdown of average full and minimum coverage rates by model year.
| 2022 | $547 | $1,318 |
| 2021 | $549 | $1,294 |
| 2020 | $539 | $1,315 |
| 2019 | $573 | $1,341 |
| 2018 | $584 | $1,362 |
| 2017 | $561 | $1,339 |
| 2016 | $583 | $1,316 |
| 2015 | $582 | $1,292 |
| 2014 | $560 | $1,252 |
| 2013 | $583 | $1,211 |
| 2012 | $582 | $1,171 |
| 2011 | $561 | $1,157 |
| 2010 | $586 | $1,143 |
| 2009 | $586 | $1,129 |
Subaru Forester Insurance Costs by Driver Age
Subaru Forester insurance rates vary greatly based on driver age. For instance, 40-year-olds pay around $1,260 annually for full coverage, while 16-year-olds face $5,440. Below are the average minimum and full coverage rates for drivers of different ages.
| 16 | $2,593 | $5,440 |
| 17 | $2,104 | $4,438 |
| 18 | $1,832 | $3,903 |
| 19 | $1,307 | $2,778 |
| 20 | $1,174 | $2,525 |
| 21 | $934 | $2,041 |
| 22 | $851 | $1,875 |
| 23 | $790 | $1,751 |
| 24 | $749 | $1,665 |
| 25 | $665 | $1,489 |
| 26 | $650 | $1,447 |
| 27 | $634 | $1,415 |
| 28 | $624 | $1,393 |
| 29 | $614 | $1,374 |
| 30 | $593 | $1,324 |
| 35 | $576 | $1,283 |
| 40 | $570 | $1,260 |
| 45 | $565 | $1,244 |
| 50 | $552 | $1,207 |
| 55 | $538 | $1,175 |
| 60 | $538 | $1,171 |
| 65 | $571 | $1,211 |
| 70 | $621 | $1,297 |
| 75 | $690 | $1,421 |
| 80 | $783 | $1,583 |
| 85 | $848 | $1,699 |
| 90 | $896 | $1,779 |
Subaru Forester Insurance Rates Explained
Several factors influence car insurance rates based on your driver profile. Insurers also consider vehicle-related factors. Below is a list of key cost factors tied to your car.
Subaru Forester Rates vs. National Average
All Vehicles
Average Full Coverage Rate
$1,296Subaru Forester
Average Full Coverage Rate
$1,250Premiums for Subaru Forester are average:$46 saved
This is 4% less expensive.
Value
The Subaru Forester's MSRP of $38,490 classifies it as an SUV, influencing insurance costs as insurers factor in its value.
Repair costs
The Subaru Forester's annual repair cost is $632, below the national average, potentially lowering insurance costs due to easier and cheaper repairs.
Performance
The Subaru Forester's 0-to-60 time of eight seconds and 182 horsepower classify it as a moderate-performance vehicle, which typically doesn't raise insurance costs much.
Vehicle age
Newer Subaru Foresters are typically more expensive to insure than older ones. However, collector and classic vehicles can be exceptions.
Safety features
The Subaru Forester's safety features, such as stability control, airbags and antilock brakes, along with its 5-star NHTSA safety rating, may help lower insurance costs by reducing accident risk.
Vehicle size
Larger vehicles often cost more to insure. At 3,620 lbs, the Subaru Forester's midsize SUV classification may slightly increase insurance costs.
Trim level
Higher trim levels with premium upgrades result in a higher MSRP. The Subaru Forester's upper trims typically cost more to insure than the base model.
Theft rates
Vehicles with higher theft rates generally cost more to insure. The Subaru Forester’s moderate theft rate could slightly impact premiums.
Anti-theft features
Anti-theft features can lower insurance premiums. The Subaru Forester’s anti-theft systems contribute to reduced costs.
Cheapest Subaru Forester Insurance
State Farm offers the cheapest annual minimum coverage rate for a Subaru Forester at $451, based on a 40-year-old male with a clean driving record. Below is a breakdown of the cheapest auto insurance across coverage levels, age groups, driving records, model years and more.
Cheapest Subaru Forester Insurance by Coverage Level
Choosing your coverage level can greatly affect your Subaru Forester insurance rates. State Farm provides the most affordable minimum and full coverage rates. Below is a breakdown of the cheapest providers for both types.
Cheapest Subaru Forester Minimum Coverage
State Farm offers the most affordable minimum coverage for a Subaru Forester at $38 per month. Other cheap options include GEICO at $40, Travelers at $44 and Nationwide at $49.
| USAA | $36 | $433 |
| State Farm | $38 | $451 |
| GEICO | $40 | $474 |
| Travelers | $44 | $526 |
| Nationwide | $49 | $588 |
| Progressive | $50 | $597 |
| Farmers | $52 | $624 |
| Allstate | $53 | $642 |
*State Farm offers non-military-affiliated Subaru Forester owners the lowest average minimum coverage insurance rate. USAA is the most affordable option for military-affiliated drivers.
Best Subaru Forester Insurance Rates by Model Year
The above list doesn't consider a Subaru Forester's model year, which might mean lower rates based on your vehicle's age. To find the most affordable minimum coverage rates, filter the table below for each production year.
Data filtered by:Results filtered by:
Select
Model Year:2009
| Allstate | $656 | $55 |
| Farmers | $668 | $56 |
| GEICO | $488 | $41 |
| Nationwide | $663 | $55 |
| Progressive | $623 | $52 |
| State Farm | $443 | $37 |
| Travelers | $562 | $47 |
| USAA | $418 | $35 |
*USAA is available only to military veterans, active service members and their families.
Cheapest Full Coverage Subaru Forester Insurance
State Farm offers the lowest full coverage rates for a Subaru Forester, averaging $1,017 annually or $85 monthly. Below is the complete list of full coverage car insurance providers and rates.
| USAA | $84 | $1,007 |
| State Farm | $85 | $1,017 |
| GEICO | $86 | $1,034 |
| Travelers | $98 | $1,171 |
| Nationwide | $101 | $1,212 |
| Allstate | $109 | $1,307 |
| Progressive | $119 | $1,432 |
| Farmers | $120 | $1,441 |
*On average, State Farm is the cheapest insurer for non-military-affiliated Subaru Forester owners seeking full coverage. For military-affiliated drivers, USAA is the most affordable option.
Cheapest Subaru Forester Insurance by Age
Drivers aged 16 to 25 and those 55 and up often pay more for Subaru Forester insurance. Below is a breakdown of the cheapest options by age.
Cheapest Subaru Forester Insurance for Young Drivers
State Farm offers the cheapest Subaru Forester insurance for drivers aged 16 to 25 at $985 annually or $82 monthly for minimum coverage. Below is the complete list of the cheapest auto insurance for Subaru drivers.
| USAA | $75 | $898 |
| State Farm | $82 | $985 |
| Travelers | $91 | $1,094 |
| GEICO | $94 | $1,124 |
| Allstate | $124 | $1,492 |
| Nationwide | $127 | $1,520 |
| Progressive | $139 | $1,664 |
| Farmers | $142 | $1,702 |
*State Farm is the cheapest insurer for young non-military-affiliated drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Subaru Forester Insurance for Seniors
State Farm offers the most affordable car insurance for seniors 55 and up at $41 monthly or $496 annually. See the full list of cheap Subaru Forester insurers below.
| State Farm | $41 | $496 |
| GEICO | $47 | $565 |
| USAA | $48 | $576 |
| Travelers | $53 | $634 |
| Nationwide | $57 | $688 |
| Progressive | $64 | $766 |
| Allstate | $65 | $785 |
| Farmers | $70 | $836 |
Cheapest Subaru Forester Insurance After an Accident
For Subaru Forester drivers, State Farm, Travelers and GEICO are the cheapest car insurance providers after an accident. See the complete list below for more options.
| State Farm | $47 | $566 |
| USAA | $55 | $660 |
| Travelers | $62 | $739 |
| GEICO | $62 | $742 |
| Allstate | $72 | $869 |
| Nationwide | $74 | $891 |
| Progressive | $80 | $962 |
| Farmers | $104 | $1,245 |
Subaru Forester Insurance Cost: Bottom Line
Regularly comparing insurance rates can help you find the best deal. This article examines Subaru Forester insurance costs by demographic and highlights affordable providers.
Subaru Forester Insurance Rates: FAQ
Below are answers to common questions about Subaru Forester insurance costs, including details on minimum coverage and affordable plans.
What company has the cheapest car insurance for a Subaru Forester?
State Farm offers the cheapest insurance for a Subaru Forester, with an annual minimum coverage rate at $451.
What is the average cost of car insurance for a Subaru Forester?
Subaru Forester owners typically pay $560 annually for minimum coverage and $1,250 for full coverage insurance.
Subaru Forester Insurance Ratings: Our Review Methodology
MoneyGeek analyzed data and 4,183 Subaru Forester insurance quotes from Quadrant Information Services.
Drivers and Cars
MoneyGeek used a sample driver profile with the following characteristics to calculate the average rates for insuring a Subaru Forester:
- 40-year-old male
- Clean driving record
- 12,000 miles driven annually
We also modified the sample driver profile to determine Subaru Forester insurance rates for different age groups, driving records and model years. MoneyGeek collected data for the following model years:
- 2012
- 2013
- 2014
- 2015
- 2016
- 2017
- 2018
- 2019
- 2020
- 2021
- 2022
If data on specific model years wasn't available, our data scientists estimated rates based on how insurers typically price car models each year. The published rates are estimates and may not reflect the rate you'll receive for your Subaru Forester.
Coverage Levels
Each state differs in minimum coverage requirements, so our rates are a combination of minimum coverage policies in the states where we gathered our data.
MoneyGeek’s analysis includes average full coverage policy rates with comprehensive and collision coverage (with a $1,000 deductible) and increased liability limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.