Subaru Forester Car Insurance Cost 2025
Getting insurance for a Subaru Forester costs $627 per year on average. However, the exact cost can vary based on factors such as your age, the year of the car model, and other considerations. You can use our quote tables below to get an estimate of your specific costs.
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If you’re thinking about buying a Subaru Forester, you’ll need to consider the cost of insurance. On average, insurance for a Subaru Forester costs $627 per year. Insurance is a significant aspect of owning a car, and it’s important to understand it before making a purchase.
Selecting the right car insurance is crucial to avoid unexpected and potentially high expenses later on. It’s essential to have sufficient coverage in case of an accident to prevent hefty out-of-pocket costs. Additionally, if you’re responsible for an accident, you might face increased premiums.
With over ten years of experience analyzing car insurance rates, I’ve observed how much these costs can vary. Factors like your age, driving record, and location can significantly impact your insurance premiums.
How Much Does Subaru Forester Car Insurance Cost?
Typically, Subaru Forester drivers can find car insurance at an average rate of $627 per year.
It’s crucial to recognize that the cost of car insurance can vary significantly due to several factors. These factors include your location, driving history, the model year of your car, and the specific coverage options you select. Maintaining a clean driving record can result in lower premiums, while a history of accidents or traffic violations may lead to higher costs.
Moreover, residing in an urban area with heavy traffic might result in higher insurance rates compared to rural areas with less traffic. Additionally, the type of coverage you opt for will impact your premium – comprehensive insurance, covering both comprehensive and collision, generally costs more than minimum liability coverage.
As you can see from the table below, the cost of insurance for a Subaru Forester is lower compared to the average cost of all Subaru models. However, it is cheaper than the average cost for all cars.
Insuranceopedia is available to assist you in comparing quotes from various auto insurance companies, ensuring you find the best deal for your needs.
| Vehicle | Average Monthly Premium |
| Subaru Forester | $128 |
| All Subarus | $160 |
| All Cars | $175 |
Average Insurance Cost Of Subaru Forester By Model Year
| Model Year | Average Premium |
| 2024 Subaru Forester | $954 |
| 2023 Subaru Forester | $780 |
| 2022 Subaru Forester | $674 |
| 2021 Subaru Forester | $584 |
| 2020 Subaru Forester | $528 |
| 2019 Subaru Forester | $653 |
| 2018 Subaru Forester | $535 |
| 2017 Subaru Forester | $560 |
| 2016 Subaru Forester | $457 |
| 2015 Subaru Forester | $508 |
| 2014 Subaru Forester | $655 |
| 2013 Subaru Forester | $736 |
| 2012 Subaru Forester | $516 |
| 2011 Subaru Forester | $663 |
| 2010 Subaru Forester | $502 |
2024 Subaru Forester Insurance Rates
The average annual insurance cost for a 2024 Subaru Forester is $954. However, New York Central Mutual Fire offers the cheapest rates, averaging $627 per year.
| Insurance Provider | Average Annual Cost |
| PEMCO | $805 |
| Central Mutual Insurance Co | $1,244 |
| Capital Insurance Group | $1,071 |
| Allied | $903 |
| New York Central Mutual Fire | $627 |
| Preferred Mutual | $907 |
| Hanover | $745 |
| Erie | $1,072 |
| USAA | $1,158 |
| Unigard | $1,011 |
2023 Subaru Forester Insurance Rates
The average annual insurance cost for a 2023 Subaru Forester is $780. However, National General offers the cheapest rates, averaging $459 per year.
| Insurance Provider | Average Annual Cost |
| New York Central Mutual Fire | $775 |
| ACE American Pool | $975 |
| Norfolk and Dedham Group | $888 |
| Erie | $748 |
| National General | $459 |
| PEMCO | $737 |
| Safeco | $584 |
| Capital Insurance Group | $929 |
| Unigard | $968 |
| Safety Group | $735 |
2022 Subaru Forester Insurance Rates
The average annual insurance cost for a 2022 Subaru Forester is $674. However, National General offers the cheapest rates, averaging $211 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $561 |
| Texas Farm Bureau Group | $973 |
| Mercury Insurance | $845 |
| North Carolina Farm Bureau | $673 |
| National General | $211 |
| Wolverine Mutual | $604 |
| American National P | $393 |
| PEMCO | $847 |
| Pekin Insurance | $895 |
| Virginia Farm Bureau | $742 |
2021 Subaru Forester Insurance Rates
The average annual insurance cost for a 2021 Subaru Forester is $584. However, American National P offers the cheapest rates, averaging $211 per year.
| Insurance Provider | Average Annual Cost |
| National General | $494 |
| Capital Insurance Group | $752 |
| Rural Mutual Insurance | $652 |
| PEMCO | $625 |
| American National P | $282 |
| MMG Insurance Company | $622 |
| Victoria | $330 |
| Safeco | $659 |
| Commerce Group Inc | $777 |
| Virginia Farm Bureau | $651 |
2020 Subaru Forester Insurance Rates
The average annual insurance cost for a 2020 Subaru Forester is $528. However, Victoria offers the cheapest rates, averaging $282 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $322 |
| Buckeye Insurance Group | $717 |
| Bear River | $688 |
| National General | $485 |
| Victoria | $282 |
| AssuranceAmerica Mobile Max | $416 |
| NatGen Value | $330 |
| North Carolina Farm Bureau | $677 |
| United Farm Bureau of IN Group | $733 |
| Wolverine Mutual | $625 |
2019 Subaru Forester Insurance Rates
The average annual insurance cost for a 2019 Subaru Forester is $653. However, NatGen Custom 360 offers the cheapest rates, averaging $297 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $470 |
| National General Value | $798 |
| Partners Mutual Insurance Co | $778 |
| Mercury Insurance | $703 |
| NatGen Custom 360 | $297 |
| Safeco | $664 |
| Buckeye Insurance Group | $460 |
| PEMCO | $782 |
| MO Farm Bureau Services | $837 |
| Cameron Mutual Group | $741 |
2018 Subaru Forester Insurance Rates
The average annual insurance cost for a 2018 Subaru Forester is $535. However, Mercury Insurance offers the cheapest rates, averaging $114 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $393 |
| MMG Insurance Company | $792 |
| Concord Group | $656 |
| Buckeye Insurance Group | $535 |
| Mercury Insurance | $114 |
| American National P | $531 |
| Kemper Auto | Infinity | $270 |
| Kemper Personal Insurance | $670 |
| Partners Mutual Insurance Co | $729 |
| Pekin Insurance | $661 |
2017 Subaru Forester Insurance Rates
The average annual insurance cost for a 2017 Subaru Forester is $560. However, American National P offers the cheapest rates, averaging $280 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland Broadform | $409 |
| NatGen PPA | $756 |
| Ohio Mutual Ins Group | $676 |
| Safeco | $662 |
| American National P | $280 |
| Buckeye Insurance Group | $375 |
| Kemper Auto Premier | $323 |
| PEMCO | $713 |
| Western Reserve | $723 |
| Direct Auto | $686 |
2016 Subaru Forester Insurance Rates
The average annual insurance cost for a 2016 Subaru Forester is $457. However, NatGen Custom 360 offers the cheapest rates, averaging $210 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $346 |
| PEMCO | $702 |
| Buckeye Insurance Group | $538 |
| NatGen Value | $403 |
| NatGen Custom 360 | $210 |
| Mercury Insurance | $427 |
| Kemper Personal Insurance | $248 |
| Concord Group | $578 |
| Ohio Mutual Ins Group | $654 |
| American National P | $464 |
Find Affordable Subaru Forester Insurance Rates
2015 Subaru Forester Insurance Rates
The average annual insurance cost for a 2015 Subaru Forester is $508. However, Kemper Premium offers the cheapest rates, averaging $106 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $310 |
| North Carolina Farm Bureau | $805 |
| Concord Group | $634 |
| Mercury Insurance | $466 |
| Kemper Premium | $106 |
| Buckeye Insurance Group | $476 |
| Safeco | $313 |
| MMG Insurance Company | $751 |
| NatGen Value | $759 |
| SafeAuto | $462 |
2014 Subaru Forester Insurance Rates
The average annual insurance cost for a 2014 Subaru Forester is $655. However, Safeco offers the cheapest rates, averaging $319 per year.
| Insurance Provider | Average Annual Cost |
| Ohio Mutual Ins Group | $697 |
| Concord Group | $762 |
| Rural Mutual Insurance | $751 |
| Rockford Mutual Insurance | $706 |
| Safeco | $319 |
| Commerce Group Inc | $680 |
| Buckeye Insurance Group | $421 |
| Utica National Ins Group | $745 |
| North Carolina Farm Bureau | $757 |
| National General RAD | $716 |
2013 Subaru Forester Insurance Rates
The average annual insurance cost for a 2013 Subaru Forester is $736. However, Safeco offers the cheapest rates, averaging $95 per year.
| Insurance Provider | Average Annual Cost |
| SECURA Insurance | $716 |
| Kentucky Farm Bureau | $932 |
| Pekin Insurance | $851 |
| IMT Insurance Company | $785 |
| Safeco | $95 |
| Buckeye Insurance Group | $739 |
| Rockford Mutual Insurance | $703 |
| Farmers Mutual of Nebraska | $842 |
| PEMCO | $915 |
| West Bend Mutual | $778 |
2012 Subaru Forester Insurance Rates
The average annual insurance cost for a 2012 Subaru Forester is $516. However, Mercury Insurance offers the cheapest rates, averaging $212 per year.
| Insurance Provider | Average Annual Cost |
| Buckeye Insurance Group | $347 |
| Rockford Mutual Insurance | $815 |
| Western Reserve | $638 |
| Pekin Insurance | $425 |
| Mercury Insurance | $212 |
| Dairyland Broadform | $362 |
| Safeco | $310 |
| Safety Group | $746 |
| SECURA Insurance | $779 |
| Ohio Mutual Ins Group | $521 |
2011 Subaru Forester Insurance Rates
The average annual insurance cost for a 2011 Subaru Forester is $663. However, Safeco offers the cheapest rates, averaging $10 per year.
| Insurance Provider | Average Annual Cost |
| Virginia Farm Bureau | $649 |
| Liberty Mutual | $815 |
| Atlantic States Insurance | $781 |
| NatGen Value | $701 |
| Safeco | $10 |
| Pekin Insurance | $648 |
| Safety Group | $657 |
| Norfolk and Dedham Group | $783 |
| Dairyland | $801 |
| SafeAuto | $786 |
2010 Subaru Forester Insurance Rates
The average annual insurance cost for a 2010 Subaru Forester is $502. However, Kemper Personal Insurance offers the cheapest rates, averaging $146 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $326 |
| Texas Farm Bureau Group | $720 |
| Liberty Mutual | $634 |
| American National P | $420 |
| Kemper Personal Insurance | $146 |
| Buckeye Insurance Group | $459 |
| Safeco | $282 |
| Western Reserve | $682 |
| PEMCO | $752 |
| Utica National Ins Group | $595 |
Find Affordable Subaru Forester Insurance Rates
Is A Subaru Forester Expensive To Insure?
The cost to insure a Subaru Forester is lower than the overall average for all cars. However, the actual amount you’ll pay for car insurance depends on various factors, such as your age, your car’s age, location, and the coverage options you choose. Insurance companies assess these factors to determine the risk level associated with insuring you, which directly influences your premium.
Cost of Subaru Forester Car Insurance By Age
Age plays a significant role in determining insurance rates for any vehicle. Teenagers typically pay the highest premiums because they are statistically involved in more car accidents than any other age group. As you get older, your premiums tend to decrease because you are considered a lower insurance risk due to having more driving experience and fewer accidents. Generally, premiums continue to decrease into your late 20s and early 30s before leveling out or increasing again as you reach older age.
| Drive Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $6,612 | $9,702 | $11,392 |
| 18 | $6,213 | $9,065 | $10,585 |
| 19 | $5,458 | $7,991 | $9,390 |
| 20 | $4,740 | $6,977 | $8,184 |
| 21 | $3,974 | $5,854 | $6,845 |
| 22 | $3,896 | $5,728 | $6,679 |
| 23 | $3,413 | $4,997 | $5,852 |
| 24 | $3,264 | $4,742 | $5,551 |
| 25 | $2,797 | $4,101 | $4,769 |
| 30 | $2,178 | $3,181 | $3,729 |
| 35 | $2,038 | $2,952 | $3,500 |
| 40 | $1,977 | $2,879 | $3,330 |
| 45 | $1,899 | $2,792 | $3,244 |
| 55 | $1,760 | $2,573 | $3,012 |
| 65 | $1,832 | $2,651 | $3,121 |
| 75 | $2,274 | $3,388 | $3,981 |
Subaru Forester Car Insurance Rates By State
Where you live plays a significant role in how insurance companies calculate rates. Each state has its own regulations for auto insurance, and for example, Michigan drivers often face higher premiums due to the state’s requirement for higher levels of coverage. The climate also affects premiums, with states prone to extreme weather events such as hurricanes, storms, and flooding having higher rates due to the increased risk of damage. Additionally, each area has its own statistics related to crime, auto accidents, car thefts, crashes, and vehicle fatalities, all of which influence how much an insurer will charge. Insurance companies take these factors into account when determining your Subaru Forester insurance rate.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,075 | $3,008 | $3,792 |
| Alaska | $1,709 | $2,394 | $2,342 |
| Arizona | $1,936 | $2,771 | $4,113 |
| Arkansas | $2,146 | $3,312 | $3,656 |
| California | $2,359 | $4,211 | $2,363 |
| Colorado | $2,214 | $3,091 | $3,913 |
| Connecticut | $2,821 | $4,362 | $5,589 |
| Delaware | $2,324 | $3,109 | $3,998 |
| Florida | $2,786 | $3,837 | $4,988 |
| Georgia | $895 | $1,251 | $924 |
| Hawaii | $1,581 | $2,077 | $2,514 |
| Idaho | $1,688 | $2,445 | $2,849 |
| Illinois | $1,714 | $2,595 | $2,886 |
| Indiana | $1,359 | $1,823 | $2,159 |
| Iowa | $1,773 | $2,567 | $3,049 |
| Kansas | $2,565 | $3,760 | $4,493 |
| Kentucky | $3,278 | $4,993 | $5,434 |
| Louisiana | $1,271 | $1,733 | $2,562 |
| Maine | $2,021 | $2,940 | $3,269 |
| Maryland | $1,600 | $2,850 | $1,628 |
| Massachusetts | $3,901 | $5,974 | $9,419 |
| Michigan | $1,603 | $2,116 | $3,053 |
| Minnesota | $1,963 | $2,732 | $2,819 |
| Mississippi | $1,806 | $2,644 | $3,444 |
| Missouri | $1,867 | $2,572 | $3,032 |
| Montana | $1,587 | $2,360 | $2,561 |
| Nebraska | $2,584 | $3,858 | $4,068 |
| Nevada | $1,791 | $2,872 | $3,597 |
| New Hampshire | $2,012 | $3,114 | $4,077 |
| New Jersey | $2,007 | $3,007 | $3,157 |
| New Mexico | $1,900 | $2,353 | $3,972 |
| New York | $1,166 | $1,989 | $1,455 |
| North Carolina | $1,582 | $2,428 | $2,883 |
| North Dakota | $1,431 | $2,183 | $2,240 |
| Ohio | $2,271 | $3,245 | $3,688 |
| Oklahoma | $2,067 | $2,782 | $3,288 |
| Oregon | $1,707 | $2,567 | $2,982 |
| Pennsylvania | $2,906 | $4,258 | $4,790 |
| Rhode Island | $1,966 | $2,752 | $3,770 |
| South Carolina | $1,789 | $2,561 | $2,949 |
| South Dakota | $2,101 | $3,055 | $4,080 |
| Tennessee | $2,105 | $3,048 | $3,783 |
| Texas | $1,750 | $2,498 | $3,452 |
| Utah | $1,374 | $2,123 | $2,241 |
| Vermont | $1,284 | $1,997 | $1,948 |
| Virginia | $1,717 | $2,331 | $2,773 |
| Washington | $1,708 | $2,479 | $3,101 |
| West Virginia | $1,679 | $2,707 | $3,074 |
| Wisconsin | $1,595 | $2,283 | $2,372 |
| Wyoming | $2,251 | $3,386 | $3,425 |
Find Affordable Subaru Forester Insurance Rates
Cheapest Car Insurance Companies For A Subaru Forester
Where you live plays a significant role in how insurance companies calculate rates. Each state has its own regulations for auto insurance, and for example, Michigan drivers often face higher premiums due to the state’s requirement for higher levels of coverage. The climate also affects premiums, with states prone to extreme weather events such as hurricanes, storms, and flooding having higher rates due to the increased risk of damage. Additionally, each area has its own statistics related to crime, auto accidents, car thefts, crashes, and vehicle fatalities, all of which influence how much an insurer will charge. Insurance companies take these factors into account when determining your Subaru Forester insurance rate.
| Company | Average Monthly Rate |
| Commonwealth Casualty | $36 |
| Hugo | $29 |
| Aspire | $31 |
| Hallmark | $41 |
| Ohio Mutual | $33 |
Common Subaru Forester Insurance Discounts
Discounts are a great way to lower your car insurance costs. While each auto insurance provider offers its own unique discounts, here are some common ones to check your eligibility for:
- Multi-policy: If you bundle your home and auto insurance policies with the same provider, you can often receive a discounted rate.
- Pay annually: If you pay your premium in full annually, rather than in monthly installments, you may qualify for a discount.
- Defensive driving: Completing a defensive driving course from a certified institution can make you eligible for reduced rates.
Additionally, there may be other discounts you can apply for, such as safe driver discounts or low-mileage discounts. It’s a good idea to speak with your insurance agent, as they can help you find discounts that you qualify for.
Ways To Save On Subaru Forester Insurance Costs
Maintaining a clean driving record is one of the best ways to keep your Subaru Forester insurance costs down. Getting a speeding ticket or being involved in an accident can increase your premiums.
- Subaru Forester drivers with a ticket on their record can expect to pay around $79 per month.
- Drivers with multiple accidents will typically pay an average of $101 per month.
Additionally, driving less can also reduce your insurance costs:
- Subaru Forester drivers who drive between 7,501-10,000 miles per year pay around $71 per month.
- Drivers who cover over 10,000 miles annually pay $65 per month on average.
By avoiding traffic violations and accidents, and limiting your mileage, you can help keep your insurance rates lower.
Compare Subaru Forester To Other Subaru Models
Looking for other Subaru model insurance costs?
Our Methodology
In order to calculate average car insurance costs, Insuranceopedia aggregated thousands of quotes from leading auto insurance providers. The sample profile used was for a 40-year-old male driver purchasing full-coverage car insurance with the following coverage limits: $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. However, it's important to note that the figures provided in this guide may vary depending on your individual circumstances and factors such as age, driving history, location, and the specific insurance provider you choose.
Quotes Analyzed
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Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A Subaru Forester?
Yes, you will need to provide proof of insurance before you can drive your Subaru Forester out of the dealership. The best approach is to buy an insurance policy in advance and inform your insurance company that you are about to purchase the vehicle. This way, you ensure that your car is covered as soon as you drive it off the lot, rather than relying on insurance provided through the dealership.
How Can You Get The Cheapest Insurance For Your Subaru Forester?
The best way to find the cheapest rates for your Subaru Forester is by shopping around and comparing quotes from different auto insurance companies. Fortunately, Insuranceopedia allows you to compare quotes from multiple providers right here on our website, making it easy to find the most affordable options tailored to your needs.
