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.
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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.
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

pros
Cheapest option for a Subaru Forester
Has an excellent customer satisfaction score
cons
Offers limited coverages
Has a low ranking for claims experience
COMPANY HIGHLIGHTS
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.
MoneyGeek Runner-Up: GEICO

pros
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)
cons
Does not offer gap insurance or original equipment manufacturer (OEM) coverage
Has a low rating for claims experience
COMPANY HIGHLIGHTS
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.
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.
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).
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.
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.