Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Looking for a new or used Subaru Forester? And wondering how much it costs to insure by year? We researched average annual insurance costs for each model year and have compiled the results for you below.

Subaru Forester insurance facts

  • Average full coverage auto insurance premium: $125/month

  • Most affordable companies: Erie ($76/month) & GEICO ($85/month)

  • Forester car insurance cost vs. average rate: $31 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Subaru Forester by model year and auto insurer.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Subura Forester insurer costs by state:

Risk factors affecting Subaru Forester car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on Subaru Forester car insurance?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Subaru models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Subaru Automobile Brand

Subaru is the 21st largest worldwide automobile manufacturer from Japan, selling to a small but devoted group of buyers in the United States market. The target market of Subaru is financially stable middle-aged couples with strong family values. All Volkswagen automobiles have high safety ratings, with many of their vehicles getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Outback, Forester, Impreza, and Crosstrek are some of their most popular vehicles.

Higher than average Forester repair costs equal higher car insurance rates

Many consumers are attracted to Subaru cars for the stability, safety ratings, and driver-assist technologies, such as the forward-collision warning system and their excellent all-wheel drive (AWD) system. Automotive parts are pretty common, but not as cheap as popular vehicles, like Toyota or Honda. Repairing a Subaru is higher than average since repair parts are more expensive and not as available as popular vehicles. For this reason, many Subaru’s are going to have higher than average car insurance rates to similar vehicles in its class.

Fast depreciation for Subaru Forester affecting auto policies

Subarus have a higher than average depreciating value except for the Outback, according to Kelly Blue Book, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Subaru models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

High IIHS and NHTSA safety ratings lower car insurance rates for drivers

Subarus are known for their safety ratings, safety features, 5-star crash test ratings, and EyeSight driver-assist technologies, lowering car insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features in Subaru models. The Outback, WRZ, and Crosstrek are Insurance Institute for Highway Safety (IIHS) “Top Safety Picks,” and the NHTSA consistently gives Subaru top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Subaru automobile owners when buying a car insurance policy.

2021 Subaru Forester

Cheapest Insurance CompaniesAverage Annual Cost
Allied$1999
Allstate$1824
American Family$1240
Amica$2016
Auto-Owners$1850
Direct Auto$1700
Erie$913
Farmers$1611
GEICO$1027
Liberty Mutual$1324
Mercury$1759
MetLife$1934
Nationwide$1468
Progressive$1298
Safe Auto$1856
State Farm$1527
Tennessee Farmers$1729
Travelers$1638
USAA$1156

Compare all 2021 Subaru Forester rates

Average Cost to Insure Per Year

$1511

List Price

$24795

Trims Available

2.5i - 2.5i Premium - 2.5i Premium Black Edition - 2.5i Limited - 2.0XT Premium - 2.5i Touring - 2.0XT Touring - Engine: 2.5-liter four-cylinder with 182 horsepower and 184 lb-ft of torque Blind-Spot Detection, Rear Cross-Traffic Alert, Reverse Automatic Braking, with EyeSight driver assist technology, Adaptive Cruise Control, Lane Keep Assist and Sway Warning, Pre-collision braking, Pre-collision throttle management, Active Torque Vectoring, Symmetrical All-Wheel Drive (AWD), Safety Features· Anti-lock brakes · Stability control · Front-impact airbags· Side impact airbags Overhead airbags· Pretensioners · Security system.

2020 Subaru Forester

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1746
American Family$1180
Auto-Owners$1789
Erie$977
Farmers$1520
GEICO$1046
Mercury$1658
MetLife$1987
Nationwide$1435
Progressive$1246
Safe Auto$1824
State Farm$1518
Tennessee Farmers$1752
Travelers$1610
USAA$1237
Vermont Mutual$1934

Compare all 2020 Subaru Forester rates

Average Cost to Insure Per Year

$1413

List Price

$24495

Trims Available

2.5i - 2.5i Premium - 2.5i Premium Black Edition - 2.5i Limited - 2.0XT Premium - 2.5i Touring - 2.0XT Touring - Engine: 2.5-liter four-cylinder with 182 horsepower and 184 lb-ft of torque Blind-Spot Detection, Rear Cross-Traffic Alert, Reverse Automatic Braking, with EyeSight driver assist technology, Adaptive Cruise Control, Lane Keep Assist and Sway Warning, Pre-collision braking, Pre-collision throttle management, Active Torque Vectoring, Symmetrical All-Wheel Drive (AWD), Safety Features· Anti-lock brakes · Stability control · Front-impact airbags· Side impact airbags Overhead airbags· Pretensioners · Security system.

2019 Subaru Forester

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1736
American Family$1260
Auto-Owners$1777
Direct Auto$1680
Erie$1022
Farmers$1547
GEICO$1131
Liberty Mutual$1154
MetLife$2016
Nationwide$1429
Progressive$1328
Safe Auto$1826
State Farm$1520
Tennessee Farmers$1621
Travelers$1584
USAA$1359
Vermont Mutual$1911

Compare all 2019 Subaru Forester rates

Average Cost to Insure Per Year

$1368

List Price

$24295

Trims Available

2.5i - 2.5i Premium - 2.5i Premium Black Edition - 2.5i Limited - 2.0XT Premium - 2.5i Touring - 2.0XT Touring - Engine: 2.5-liter four-cylinder with 182 horsepower and 184 lb-ft of torque Blind-Spot Detection, Rear Cross-Traffic Alert, Reverse Automatic Braking, with EyeSight driver assist technology, Adaptive Cruise Control, Lane Keep Assist and Sway Warning, Pre-collision braking, Pre-collision throttle management, Active Torque Vectoring, Symmetrical All-Wheel Drive (AWD), Safety Features· Anti-lock brakes · Stability control · Front-impact airbags· Side impact airbags Overhead airbags· Pretensioners · Security system.

2018 Subaru Forester

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 994
Acuity$ 994
Allied$ 942
Allied$ 942
Arbella$ 1062
Arbella$ 1062
Country$ 1045
Country$ 1045
Erie$ 755
Erie$ 755
GEICO$ 788
GEICO$ 788
Nationwide$ 957
Nationwide$ 957
Plymouth Rock Insurance$ 1019
Plymouth Rock Insurance$ 1019
Progressive$ 998
Progressive$ 998
Tennessee Farmers$ 1034
Tennessee Farmers$ 1034
USAA$ 1007
USAA$ 1007
Vermont Mutual$ 902
Vermont Mutual$ 902

Compare all 2018 Subaru Forester rates

Average Cost to Insure Per Year

$ 1141

List Price

$ 22795

Trims Available

2.5i - 2.5i Premium - 2.5i Premium Black Edition - 2.5i Limited - 2.0XT Premium - 2.5i Touring - 2.0XT Touring

2017 Subaru Forester

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1054
Acuity$ 1054
Allied$ 1057
Allied$ 1057
Arbella$ 1113
Arbella$ 1113
Country$ 1090
Country$ 1090
Erie$ 666
Erie$ 666
GEICO$ 520
GEICO$ 520
Nationwide$ 958
Nationwide$ 958
Plymouth Rock Insurance$ 1014
Plymouth Rock Insurance$ 1014
Progressive$ 773
Progressive$ 773
State Farm$ 827
State Farm$ 827
USAA$ 781
USAA$ 781
Vermont Mutual$ 969
Vermont Mutual$ 969

Compare all 2017 Subaru Forester rates

Average Cost to Insure Per Year

$ 1287

List Price

$ 22595

Trims Available

2.5i - 2.5i Premium - 2.5i Limited - 2.0XT Premium - 2.5i Touring - 2.0XT Touring

2016 Subaru Forester

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1041
Acuity$ 1041
Allied$ 1059
Allied$ 1059
Country$ 1073
Country$ 1073
Erie$ 629
Erie$ 629
GEICO$ 539
GEICO$ 539
Nationwide$ 975
Nationwide$ 975
Plymouth Rock Insurance$ 991
Plymouth Rock Insurance$ 991
Progressive$ 769
Progressive$ 769
State Farm$ 903
State Farm$ 903
Tennessee Farmers$ 903
Tennessee Farmers$ 903
USAA$ 769
USAA$ 769
Vermont Mutual$ 956
Vermont Mutual$ 956

Compare all 2016 Subaru Forester rates

Average Cost to Insure Per Year

$ 1302

List Price

$ 22395

Trims Available

2.5i - 2.5i Premium - 2.5i Limited - 2.0XT Premium - 2.5i Touring - 2.0XT Touring

2015 Subaru Forester

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1049
Acuity$ 1049
Allied$ 988
Allied$ 988
American Family$ 1076
American Family$ 1076
Erie$ 649
Erie$ 649
GEICO$ 532
GEICO$ 532
Nationwide$ 978
Nationwide$ 978
Plymouth Rock Insurance$ 973
Plymouth Rock Insurance$ 973
Progressive$ 756
Progressive$ 756
State Farm$ 795
State Farm$ 795
Tennessee Farmers$ 961
Tennessee Farmers$ 961
USAA$ 734
USAA$ 734
Vermont Mutual$ 961
Vermont Mutual$ 961

Compare all 2015 Subaru Forester rates

Average Cost to Insure Per Year

$ 1222

List Price

$ 22195

Trims Available

2.5i - 2.5i Premium - 2.5i Limited - 2.0XT Premium - 2.5i Touring - 2.0XT Touring

2014 Subaru Forester

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1014
Acuity$ 1014
Allied$ 1018
Allied$ 1018
American Family$ 1052
American Family$ 1052
Erie$ 637
Erie$ 637
GEICO$ 520
GEICO$ 520
Nationwide$ 1007
Nationwide$ 1007
Plymouth Rock Insurance$ 1016
Plymouth Rock Insurance$ 1016
Progressive$ 772
Progressive$ 772
State Farm$ 830
State Farm$ 830
Tennessee Farmers$ 934
Tennessee Farmers$ 934
USAA$ 708
USAA$ 708
Vermont Mutual$ 908
Vermont Mutual$ 908

Compare all 2014 Subaru Forester rates

Average Cost to Insure Per Year

$ 1234

List Price

$ 21995

Trims Available

2.5i - 2.5i Premium - 2.0XT Premium - 2.5i Limited - 2.5i Touring - 2.0XT Touring

2013 Subaru Forester

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 910
Acuity$ 910
American Family$ 973
American Family$ 973
Country$ 968
Country$ 968
Erie$ 591
Erie$ 591
GEICO$ 471
GEICO$ 471
Nationwide$ 972
Nationwide$ 972
Plymouth Rock Insurance$ 910
Plymouth Rock Insurance$ 910
Progressive$ 722
Progressive$ 722
State Farm$ 726
State Farm$ 726
Tennessee Farmers$ 854
Tennessee Farmers$ 854
USAA$ 652
USAA$ 652
Vermont Mutual$ 805
Vermont Mutual$ 805

Compare all 2013 Subaru Forester rates

Average Cost to Insure Per Year

$ 1108

List Price

$ 21295

Trims Available

2.5X - 2.5X Premium - 2.5X Limited - 2.5XT Premium - 2.5X Touring - 2.5XT Touring

2012 Subaru Forester

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 860
Acuity$ 860
American Family$ 901
American Family$ 901
Country$ 919
Country$ 919
Erie$ 555
Erie$ 555
GEICO$ 435
GEICO$ 435
Nationwide$ 926
Nationwide$ 926
Plymouth Rock Insurance$ 892
Plymouth Rock Insurance$ 892
Progressive$ 657
Progressive$ 657
State Farm$ 635
State Farm$ 635
Tennessee Farmers$ 813
Tennessee Farmers$ 813
USAA$ 587
USAA$ 587
Vermont Mutual$ 773
Vermont Mutual$ 773

Compare all 2012 Subaru Forester rates

Average Cost to Insure Per Year

$ 964

List Price

$ 20595

Trims Available

2.5X - 2.5X Premium - 2.5X Limited - 2.5XT Premium - 2.5X Touring - 2.5XT Touring

2011 Subaru Forester

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$ 904
Allstate$ 904
American Family$ 860
American Family$ 860
Country$ 878
Country$ 878
Erie$ 540
Erie$ 540
GEICO$ 429
GEICO$ 429
Nationwide$ 902
Nationwide$ 902
Plymouth Rock Insurance$ 877
Plymouth Rock Insurance$ 877
Progressive$ 655
Progressive$ 655
State Farm$ 635
State Farm$ 635
Tennessee Farmers$ 806
Tennessee Farmers$ 806
USAA$ 558
USAA$ 558
Vermont Mutual$ 750
Vermont Mutual$ 750

Compare all 2011 Subaru Forester rates

Average Cost to Insure Per Year

$ 946

List Price

$ 20495

Trims Available

2.5X - 2.5X Premium - 2.5X Limited - 2.5XT Premium - 2.5X Touring - 2.5XT Touring