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

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.

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.

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.

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.

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).

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.

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.

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.