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

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Updated: May 20, 2024

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The cost of car insurance for a Subaru Forester will depend on your age and car model year. For example, a 40-year-old driver of a 2009 model pays an average of $1,134 annually for insurance, while a 16-year-old driver pays $5,212 per year. For a 2022 model, a 40-year-old pays around $1,291 annually, and a 16-year-old pays around $5,777 per year.

MoneyGeek also evaluated insurers based on both their cost and quality of service to identify the best car insurance options.

MoneyGeek Logo IconCar Insurance CostsSubaru Forester

Why Trust MoneyGeek? We collected thousands of car insurance quotes from Quadrant Information Services to analyze the average rates for a Subaru Forester.

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These rates were updated to reflect the average cost of car insurance for a Subaru Forester as of 2023.

10Companies Compared
41,832Quotes Analyzed

Average Cost and Cheapest Companies for Insuring a Subaru Forester

On average, it costs $1,261 annually to insure a Subaru Forester, but your premium will depend on the insurance company you choose. The cheapest car insurance for a Subaru Forester is from State Farm, with an average premium of $1,013 per year for full coverage and $451 per year for a minimum coverage policy. The most expensive option for this car is Farmers, with average rates of $1,464 for full coverage and $654 for minimum coverage.

Data filtered by:Results filtered by:
Coverage:Full Coverage
State FarmAverage Annual Premium$1,013
GEICOAverage Annual Premium$1,044
TravelersAverage Annual Premium$1,147
NationwideAverage Annual Premium$1,211
AllstateAverage Annual Premium$1,304
ProgressiveAverage Annual Premium$1,439
FarmersAverage Annual Premium$1,464

Is a Subaru Forester Expensive to Insure?

Car insurance companies base the rates for a given Subaru Forester on different factors. On average, a Subaru Forester is cheap to insure because of its low value — it has an MSRP of $26,370 — and its relatively low horsepower. Cars with low value cost less to repair, leading to lower insurance rates. Insurers also charge cheaper premiums for vehicles with lower horsepower since they are less likely to be involved in a major accident. Your rates will still depend on many other factors, like your car’s model year, your age and the insurance company you insure with.

Best Companies for Insuring a Subaru Forester

While cost is an important consideration when choosing car insurance, it should not be the sole determining factor. The best car insurance companies also offer excellent service and claims experience. Based on our analysis, these are the top-ranking companies for Subaru Forester car insurance:

  • State Farm: MoneyGeek score 90 out of 100 ($1,013 per year)
  • GEICO: MoneyGeek score 89 out of 100 ($1,044 per year)

State Farm ranked first for affordability and second for customer satisfaction, making it an excellent choice for Subaru Forester drivers seeking the most affordable rates combined with good customer service.

MoneyGeek Top Pick: State Farm

State Farm



Cheapest option for a Subaru Forester


Has an excellent customer satisfaction score



Offers limited coverages


Has a low ranking for claims experience


State Farm offers the best overall car insurance for a Subaru Forester, thanks to its affordable rates and highly-ranked customer service. The company also provides a couple of add-on coverages that can benefit Subaru Forester drivers.

The first is rental car services and reimbursement coverage, which helps pay for a car rental up to chosen limits if your Subaru Forester is inoperable or needs repairs. Your coverage begins right away if your car is deemed unsafe, inoperable or is not legal to have on the road. If your car requires repairs, the coverage starts at the same time as the repairs.

State Farm also provides a 24-hour emergency roadside service. This coverage can cover towing, locksmith services, gas delivery, tire changing and other services that your Subaru Forester might need when it breaks down on the road. This is a particularly good option for drivers who have older Subaru Forester models since they can be prone to roadside emergencies.

Read MoneyGeek's State Farm Auto Insurance Review

MoneyGeek Runner-Up: GEICO




Offers cheap premiums for a Subaru Forester


Has a good customer satisfaction rating


Provides a wide range of coverage options, including Mechanical Breakdown Insurance (MBI)



Does not offer gap insurance or original equipment manufacturer (OEM) coverage


Has a low rating for claims experience


GEICO is our runner-up pick for Subaru Forester insurance and offers more coverage options than State Farm, although it is slightly more expensive. One less common add-on offered by GEICO is Mechanical Breakdown Insurance (MBI), which can be added to your policy if you drive a new Subaru Forester.

This coverage will pay for repairs to your car after a covered loss, and unlike most standard dealer warranties, MBI can cover all parts of your car without restrictions on where you can have it repaired. This can help you save money after a covered loss, especially if your car needs major repairs.

In addition, you can earn accident forgiveness coverage if you keep a clean driving record for at least five years while insured by GEICO. You can also add it to your policy for an extra fee during application or renewal. Whether you earned it or you’re paying for it, this coverage can help you save money by preventing your rates from increasing after an at-fault accident.

Read MoneyGeek's GEICO Auto Insurance Review

Cost of Insuring a Subaru Forester by Model Year

The average cost of insuring a 2009 Subaru Forester is $1,134 annually, whereas insuring a 2022 model costs an average of $1,291 annually. The average cost of car insurance for more recent model years is higher because they have a higher value than older cars that have depreciated.

Data filtered by:Results filtered by:
Coverage:Full Coverage
2022Average Annual Premium$1,291
2021Average Annual Premium$1,270
2020Average Annual Premium$1,268
2019Average Annual Premium$1,316
2018Average Annual Premium$1,341
2017Average Annual Premium$1,287
2016Average Annual Premium$1,283
2015Average Annual Premium$1,257
2014Average Annual Premium$1,197
2013Average Annual Premium$1,188
2012Average Annual Premium$1,155
2011Average Annual Premium$1,122
2010Average Annual Premium$1,140
2009Average Annual Premium$1,134

The average cost of car insurance for a Subaru Forester also depends on the insurance company and the car's model year. The cheapest companies are State Farm for a 2009 model ($897 per year) and Nationwide for a 2022 model ($1,035 per year).

Data filtered by:Results filtered by:
Model Year:
Model Year:2022
Coverage:Full Coverage
NationwideAverage Annual Premium$1,035
GEICOAverage Annual Premium$1,047
State FarmAverage Annual Premium$1,084
TravelersAverage Annual Premium$1,165
ProgressiveAverage Annual Premium$1,483
AllstateAverage Annual Premium$1,509
FarmersAverage Annual Premium$1,616

Cost of Insuring a Subaru Forester for 16- to 25-Year-Olds

Younger drivers in their teens and 20s usually pay higher car insurance rates. A 16-year-old driver of a Subaru Forester can expect to pay an average of $5,587 per year for car insurance, while a 40-year-old driver only pays around $1,232 per year. Car insurance for teens becomes more affordable every year, with rates beginning to stabilize as drivers reach their 20s.

Data filtered by:Results filtered by:
Coverage:Full Coverage
16Average Annual Premium$5,587
17Average Annual Premium$4,547
18Average Annual Premium$3,993
19Average Annual Premium$2,770
20Average Annual Premium$2,510
21Average Annual Premium$1,935
22Average Annual Premium$1,790
23Average Annual Premium$1,665
24Average Annual Premium$1,581
25Average Annual Premium$1,427

Adding a teenage driver to a family plan will allow you to get the cheapest rates since purchasing an individual plan for a teenage driver is significantly more expensive. In most cases, teens under 18 are also legally required to have a parent or guardian cosign in order to purchase an individual policy.

For a 2022 Subaru Forester, the most affordable individual plan for a 16-year-old costs around $3,415 per year from State Farm. The most expensive plan for a 2022 model is from Farmers at $8,106 per year. We recommend shopping around and comparing rates to find the cheapest car insurance for teens.

Data filtered by:Results filtered by:
Model Year:
Model Year:2022
Coverage:Full Coverage
State FarmAverage Annual Premium$3,415
NationwideAverage Annual Premium$3,851
TravelersAverage Annual Premium$4,517
GEICOAverage Annual Premium$4,789
AllstateAverage Annual Premium$7,040
ProgressiveAverage Annual Premium$7,831
FarmersAverage Annual Premium$8,106

How Does Location Affect the Cost of Subaru Forester Insurance?

Factors like the model type and year of your vehicle and your age affect the cost of car insurance, but location can be even more important. The cheapest company for a given car can differ depending on the state you live in. For instance, Idaho has the cheapest average premiums, while New York has the most expensive. It's important to explore your options and get quotes from the cheapest companies in your state to make sure you're getting the best rate.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:Full Coverage
AlabamaCheapest CompanyNationwideAnnual Premium$709Monthly Premium$59
AlaskaCheapest CompanyState FarmAnnual Premium$699Monthly Premium$58
ArizonaCheapest CompanyRoot Insurance CompanyAnnual Premium$682Monthly Premium$57
ArkansasCheapest CompanyState FarmAnnual Premium$629Monthly Premium$52
CaliforniaCheapest CompanyAAA CaliforniaAnnual Premium$1,001Monthly Premium$83
ColoradoCheapest CompanyAmerican National P&CAnnual Premium$541Monthly Premium$45
ConnecticutCheapest CompanyGEICOAnnual Premium$693Monthly Premium$58
DelawareCheapest CompanyState FarmAnnual Premium$881Monthly Premium$73

Frequently Asked Questions About Subaru Forester Insurance

Subaru Forester drivers looking for auto insurance often have questions or concerns about cost and service quality. Here are answers to some common questions to help you choose the best policy for your needs.

What company has the cheapest car insurance for a Subaru Forester?
What company offers the best car insurance for a Subaru Forester?

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.