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
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.
Forester insurance varies widely by provider. Minimum coverage ranges from $58 with GEICO to $152 with UAIC, and full coverage from $125 with GEICO to $290 with AIG. That's a spread of more than $94 and $165, respectively, which means the insurer you pick matters as much as the coverage level you choose.
| 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?
Among 256 SUVs in MoneyGeek's database, the Forester ranks 68th for insurance affordability; 67 models cost less to insure. It sits just above the BMW X3 and just below the Hyundai Tucson in monthly cost.
Across all 827 vehicles MoneyGeek analyzed, the Forester ranks 287th, putting it in the top 35% most affordable models to insure. The Isuzu Amigo holds the cheapest SUV spot; the Audi SQ8 e-tron carries the highest premiums.
| 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 is Subaru's fifth most affordable model to maintain, with average annual repair costs of $757. Lower maintenance expenses generally translate to lower premiums.
- Vehicle Trim, Features and Accessories: Horsepower ranges from 182 to 260 depending on trim level, and insurers price higher-performance configurations accordingly.
- Driver Profile: Most Forester owners are between 35 and 54, with a median age of around 45. Younger drivers insuring this model usually pay more; see how age affects Forester rates.
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
Subaru Forester insurance costs vary by trim. Minimum coverage starts at $62 per month on the L Sport Utility 4d; full coverage reaches $235 on the 2.5x Premium Sport Utility 4d. Performance specs and market value drive most of that difference.
| Forester | $78 | $152 |
| Limited | $95 | $185 |
| Premium | $85 | $165 |
| Sport | $90 | $175 |
| Touring | $104 | $203 |
| Wilderness | $97 | $188 |
| 2.0xt Premium Sport Utility 4d | $77 | $148 |
| 2.0xt Touring Sport Utility 4d | $83 | $160 |
| 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 |
| 2.5xt Touring Sport Utility 4d | $94 | $180 |
| 2.5x Sport Utility 4d | $104 | $200 |
| 2.5x Limited Sport Utility 4d | $110 | $212 |
| 2.5xt Limited Sport Utility 4d | $113 | $217 |
| 2.5x Premium Sport Utility 4d | $122 | $235 |
| 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 |
| Wilderness Sport Utility 4d | $77 | $151 |
| Touring Sport Utility 4d | $79 | $154 |
| Sports X Sport Utility 4d | $86 | $166 |
| X Ll Bean Edition Sport Utility 4d | $94 | $182 |
| Xt Sport Utility 4d | $100 | $192 |
| X Limited Sport Utility 4d | $106 | $204 |
| Sports Xt Sport Utility 4d | $110 | $212 |
| Xt Limited Sport Utility 4d | $112 | $215 |
Subaru Forester Insurance Cost by State
Minimum coverage for a Subaru Forester runs $31 per month in Wyoming and $171 in Louisiana, a gap driven by each state's risk profile and regulatory environment, not the vehicle 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
- 1Choose the right coverage
Start with how much coverage you actually need. If you own the Forester outright, state minimum liability plus comprehensive and collision with a $1,000 deductible keeps premiums down. For more protection, 100/300/100 liability with a $500 deductible is a common step up. Financing or leasing typically requires 100/300/100 limits, a $500 deductible and gap insurance.
- 2Research costs and cheap companies
Know what you should pay before you shop. Average SUV insurance costs give you a baseline, and comparing cheapest car insurance companies by area shows where the Forester rates competitively.
- 3Look for more than just low rates
Car insurance price isn't everything. Check J.D. Power satisfaction scores, BBB records and AM Best financial stability ratings before committing. A budget insurer might save you money upfront but slow down your claims experience.
- 4Explore discounts you qualify for
Forester owners commonly qualify for safety feature discounts, good driver rewards, multi-vehicle savings and bundling discounts. Review available car insurance discounts to see what applies to your situation.
- 5Consider alternative car insurance types
If you're a low-mileage or consistently safe driver, usage-based programs like Progressive Snapshot or Allstate Drivewise can cut premiums based on how you actually drive.
- 6Check rates every year
Your insurer won't tell you when competitors drop their prices. Pulling new quotes annually could save up to 24% on your Forester insurance.
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?
Your driving record, credit score and coverage selections all affect your Forester premium. The vehicle's safety features and $757 average annual repair cost also work in your favor compared to pricier SUVs.
How can I lower Subaru Forester insurance costs?
Start by comparing quotes across insurers; rates vary for the Forester. From there, claim available discounts, bundle with home or renters insurance and consider a usage-based program like Progressive Snapshot or Allstate Drivewise if you're a safe or low-mileage driver. A clean driving record helps long-term.
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 (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers.
He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships.
His insights on products ranging from car, home and renters insurance to health and life insurance have been featured in The Washington Post, The New York Times and NPR, among others.
Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to the analysis of the personal insurance market. He's also a five-time Jeopardy champion!