Is it Cheaper to Insure a Jeep Wrangler or Subaru Forester?

• A 2024 Subaru Forester has cheaper car insurance rates than a 2024 Jeep Wrangler by an average of $476 per year, $2,168 compared to $1,692.
• For a 2024 Jeep Wrangler, average full-coverage car insurance rates range from $1,928 to $2,380 per year, while car insurance cost for a 2024 Subaru Forester ranges from $1,572 to $1,780.
• Average car insurance cost per month for the Jeep Wrangler is 24.8% more expensive than the Subaru Forester, at $181 versus $141, a difference of $40.

Is Jeep Wrangler or Subaru Forester insurance cheaper?

Insurance rates on a 2024 Jeep Wrangler cost an average of $2,168 per year, whereas insurance for a 2024 Subaru Forester costs an average of $1,692 per year, making the Subaru Forester the cheaper of the two by $476 per year.

Out of 16 trims for the 2024 Jeep Wrangler, the cheapest auto insurance rates are on the Sport 2-Door model at a cost of $1,928 per year.

Out of the six trims available for the Subaru Forester, the cheapest 2024 trim level to insure is the Base trim at a cost of $1,572 per year, or $131 per month.

When insurance rates for all 22 trims of both models are combined and sorted by cost, the cheapest vehicle to insure is the Subaru Forester Base at an average cost of $1,572 per year, and the most expensive vehicle to insure is the Jeep Wrangler Rubicon 392 at an average cost of $2,380 per year.

The next table ranks the 12-month and monthly car insurance cost for 2024 Jeep Wrangler and Subaru Forester models, showing average cost by trim level for each model.

The rate chart below illustrates the average cost to insure the two models for drivers from age 20 to 50. For a 2024 Jeep Wrangler, average insurance cost ranges from $1,934 to $4,416 per year for these driver ages. A 2024 Subaru Forester costs from $1,492 to $3,476 to insure per year.

The tables below show the average cost to insure all 2024 trim levels, plus an average rate for each model. The winner for the 2024 car insurance cost comparison is the Subaru Forester.

2023 Jeep Wrangler vs. Subaru Forester

When comparing the Jeep Wrangler and Subaru Forester for the 2023 model year, the model with the cheapest average car insurance rates is the Subaru Forester. Insurance rates for the Jeep Wrangler average $2,038 per year, whereas insurance for a Subaru Forester costs an average of $1,562 per year.

Out of 22 trim levels for the 2023 Jeep Wrangler, the cheapest insurance rates are on the Sport 2-Door trim at a cost of $1,846 per year, or $154 per month.

Out of the six trims available for the Subaru Forester, the cheapest 2023 trim to insure is the Base AWD trim at a cost of $1,444.

When comparing car insurance rates for both models by trim level, the cheapest model and trim level to insure is the Subaru Forester Base AWD at a cost of $1,444 per year, and the highest-cost model and trim is the Jeep Wrangler Rubicon 392 costing an average of $2,252 per year.

The next chart displays average Jeep Wrangler and Subaru Forester car insurance rates for 2023 models, grouped by driver age.

The next chart demonstrates the average cost to insure the two models for the 20 to 50-year-old driver age groups. The average cost of car insurance ranges from $1,822 to $4,188 per year for a 2023 Jeep Wrangler, and $1,370 to $3,196 for a 2023 Subaru Forester for the driver ages used.

The next two tables show trim level insurance cost averages for both 2023 models, as well as an average rate for each model. The 2023 Subaru Forester wins out over the 2023 Jeep Wrangler for cheapest overall car insurance cost.

2022 Jeep Wrangler vs. Subaru Forester

For the 2022 model year, the model having more affordable car insurance is the Subaru Forester. Insurance rates for the Jeep Wrangler average $1,984 per year, whereas insurance for the Subaru Forester averages $1,504 per year.

Within each model, however, rates vary considerably depending on the exact trim level of the vehicle being insured.

For a 2022 Jeep Wrangler, average insurance rates range from the lowest full-coverage rate of $1,812 per year for the Sport 2-Door model up to $2,196 for the Rubicon 392 model. For a 2022 Subaru Forester, rates can range from $1,412 per year for the AWD model up to $1,596 for the Wilderness AWD model.

When comparing both models at a trim-level basis, the cheapest model and trim level is the Subaru Forester AWD at an average of $1,412 per year. The most expensive model and trim level is the Jeep Wrangler Rubicon 392 costing $2,196 per year.

For a 2022 Jeep Wrangler, the cheapest models are the Sport 2-Door, Willys Sport 2-Door, and Sport S 2-Door. The cheapest Subaru Forester models include the AWD, Premium AWD, and Sport AWD.

From a cost-per-month basis, car insurance rates for all 2022 Jeep Wrangler and Subaru Forester trim levels range from $118 to $183 per month.

The chart below demonstrates the average cost to insure the two models with different drivers at the wheel. For a 2022 Jeep Wrangler, insurance cost ranges from $1,774 to $4,078 per year for the example age groups. A 2022 Subaru Forester costs from $1,320 to $3,062 to insure per year.

Out of 19 Jeep Wrangler trims, the cheapest 2022 trim level to insure is the Sport 2-Door trim at an average cost of $1,812 per year. Out of the six trims available for the Subaru Forester, the cheapest 2022 trim to insure is the AWD trim at a cost of $1,412 per year, or around $118 per month.

When looking at the aggregated rates by trim for both models, the lowest-cost model and trim level to insure is the Subaru Forester AWD at an average cost of $1,412 per year. The most expensive model and trim level is the Jeep Wrangler Rubicon 392 at a cost of $2,196 per year.

The next tables display trim level insurance cost averages for both 2022 models, including an overall average cost for each model. The model with the cheapest average car insurance rates for 2022 is the Subaru Forester.

2021 Jeep Wrangler vs. Subaru Forester Insurance

When comparing car insurance rates for 2021 models, the Jeep Wrangler costs an average of $1,936 per year to insure and the Subaru Forester costs $1,496, making the Subaru Forester the winner by $440 for 2021.

The chart shown below shows the average cost to insure the two models for the 20, 30, 40, and 50-year-old driver age groups. Average car insurance cost ranges from $1,730 to $3,984 per year for a 2021 Jeep Wrangler, and $1,322 to $3,062 for a 2021 Subaru Forester for the included age groups.

Out of 15 trim levels for the 2021 Jeep Wrangler, the cheapest average car insurance prices are on the Sport 4WD trim at a cost of $1,466 per year. The 2021 Subaru Forester has six trim levels available, with the cheapest model to insure being the AWD trim at an average cost of $1,430 per year.

When comparing rates by trim level for both models, the cheapest trim to insure is the Subaru Forester AWD at a cost of $1,430 per year. The highest-cost model and trim is the Jeep Wrangler Rubicon 392 at an average of $2,156 per year.

The two tables below show trim level insurance cost averages for both 2021 models, along with the average rate for each model. The winner for the 2021 car insurance cost comparison is the Subaru Forester.

2020 Jeep Wrangler vs. Subaru Forester Insurance

When comparing car insurance rates for the 2020 Jeep Wrangler and Subaru Forester models, the Subaru Forester is cheaper by an average of $412 per year for this comparison year.

The rate chart below shows the average cost to insure both models for the 20, 30, 40, and 50-year-old driver age groups. Average car insurance cost ranges from $1,664 to $3,838 per year for a 2020 Jeep Wrangler, and $1,284 to $2,974 for a 2020 Subaru Forester for the age groups used in this illustration.

Out of 13 Jeep Wrangler trim levels, the cheapest 2020 model to insure is the Sport 4WD model at an average cost of $1,430 per year, or about $119 per month. The 2020 Subaru Forester has six trim levels available, with the cheapest model to insure being the AWD model at an average cost of $1,388 per year.

When rates for all 19 trim levels for both vehicles are compared, the most affordable model and trim level to insure is the Subaru Forester AWD at a cost of $1,388 per year. The most expensive vehicle to insure is the Jeep Wrangler Unlimited Rubicon Sky One Touch Power Top at an average cost of $2,022 per year.

The tables shown below show average car insurance rates for each trim level, plus the average rate for each model.

2019 Jeep Wrangler vs. Subaru Forester Insurance

When comparing insurance cost for the 2019 Jeep Wrangler and Subaru Forester models, the Subaru Forester has cheaper rates by an average of $392 per year for 2019.

The rate chart below shows the average cost to insure both models for different driver ages. For a 2019 Jeep Wrangler, insurance cost ranges from $1,594 to $3,652 per year for the illustrated age groups. A 2019 Subaru Forester costs from $1,222 to $2,820 to insure per year.

Out of seven Jeep Wrangler trim levels, the cheapest 2019 trim to insure is the Sport 4WD model at an average cost of $1,528 per year. Out of the 10 trims available for the Subaru Forester, the cheapest 2019 model to insure is the 2 AWD trim at a cost of $1,310 per year, or $109 per month.

When comparing car insurance rates for both models by trim level, the lowest-cost model and trim level to insure is the Subaru Forester 2 AWD at an average of $1,310 per year. The overall most expensive vehicle to insure is the Jeep Wrangler Unlimited Rubicon 4WD costing an average of $1,970 per year.

The rate tables below illustrate the average insurance cost by trim level for both 2019 models, along with an average cost for each model. The winner for the 2019 car insurance rate comparison is the Subaru Forester.

2018 Jeep Wrangler vs. Subaru Forester Insurance

When comparing average insurance cost for 2018 models, the Jeep Wrangler costs an average of $1,634 per year to insure and the Subaru Forester costs $1,316, making the Subaru Forester the winner by $318 for the 2018 comparison year.

The chart below visualizes the average cost to insure both 2018 models rated for a variety of different driver ages. For a 2018 Jeep Wrangler, average car insurance cost ranges from $1,472 to $3,360 per year for these driver ages. A 2018 Subaru Forester costs from $1,168 to $2,682 to insure per year.

The 2018 Jeep Wrangler has seven trims available, with the cheapest trim to insure being the Sport 4WD model at an average cost of $1,350 per year. For the six trim levels available for the Subaru Forester, the cheapest 2018 trim level to insure is the 2.5I AWD trim at a cost of $1,210 per year, or about $101 per month.

When trim-level rates for both models are compared, the most affordable model and trim level to insure is the Subaru Forester 2.5I AWD at a cost of $1,210 per year, and the overall most expensive vehicle to insure is the Jeep Wrangler Unlimited Rubicon 4WD at an average of $1,850 per year.

The rate tables below display the average cost to insure each trim level for a 2018 Jeep Wrangler and Subaru Forester, including the average rate for each model.

2017 Jeep Wrangler vs. Subaru Forester Insurance

For 2017 Jeep Wrangler and Subaru Forester models, the Subaru Forester is cheaper to insure by an average of $332 per year.

The rate chart below visualizes the average cost to insure the two models using drivers aged 20 to 50. Average insurance cost ranges from $1,442 to $3,292 per year for a 2017 Jeep Wrangler, and $1,124 to $2,580 for a 2017 Subaru Forester for these driver ages.

Out of 13 Jeep Wrangler trims, the cheapest 2017 model to insure is the Sport 4WD model at an average cost of $1,312 per year, or around $109 per month.

For the 13 trims available for the Subaru Forester, the cheapest 2017 trim level to insure is the 2.5I AWD model at a cost of $1,158.

When rates for all 26 trim levels for both vehicles are compared, the overall cheapest vehicle to insure is the Subaru Forester 2.5I AWD at an average cost of $1,158 per year, and the highest-cost model and trim is the Jeep Wrangler Unlimited Sahara Winter 4WD costing $1,836 per year.

The tables below show the average cost to insure all 2017 trim levels, including the average rate for each model. The winner for the 2017 car insurance battle is the Subaru Forester.

2016 Jeep Wrangler vs. Subaru Forester Insurance

When comparing car insurance rates for 2016 models, a Jeep Wrangler costs an average of $1,404 per year to insure and a Subaru Forester costs $1,262, making the Subaru Forester cheaper to insure by $142 per year.

The chart shown below shows the average cost to insure both 2016 models for the 20, 30, 40, and 50-year-old driver age groups. For a 2016 Jeep Wrangler, average car insurance cost ranges from $1,266 to $2,892 per year for the driver ages used. A 2016 Subaru Forester costs from $1,126 to $2,550 to insure per year.

The 2016 Jeep Wrangler has seven trim levels available, with the cheapest model to insure being the Sport 4WD trim at an average cost of $1,104 per year. For the 13 trim levels available for the Subaru Forester, the cheapest 2016 trim to insure is the 2.5I AWD trim at a cost of $1,154.

When average car insurance prices for all 20 trims of both models are combined and sorted by cost, the lowest-cost model and trim level to insure is the Jeep Wrangler Sport 4WD at an average of $1,104 per year. The overall most expensive vehicle to insure is the Jeep Wrangler Unlimited Rubicon 4WD costing $1,654 per year.

The two tables below display the average cost to insure all 2016 trim levels, including an overall average cost for each model. The cheapest model to insure for the 2016 model year is the Subaru Forester.

2015 Jeep Wrangler vs. Subaru Forester Insurance

When comparing car insurance rates for 2015 models, the Jeep Wrangler costs an average of $1,346 per year to insure and the Subaru Forester costs $1,192, making the Subaru Forester the winner by $154.

The rate chart below illustrates the average cost to insure the two models with different drivers at the wheel. For a 2015 Jeep Wrangler, the average car insurance cost ranges from $1,212 to $2,762 per year for the included driver ages. A 2015 Subaru Forester costs from $1,064 to $2,406 to insure per year.

For the six trims available for the 2015 Jeep Wrangler, the cheapest trim level to insure is the Sport 4WD trim at an average cost of $1,060 per year, or about $88 per month. The 2015 Subaru Forester has 13 trim levels available, with the cheapest trim to insure being the 2.5I AWD model at an average cost of $1,098 per year, or $92 per month.

When insurance prices for all 19 trims of both models are combined and sorted by cost, the cheapest trim to insure is the Jeep Wrangler Sport 4WD at an average rate of $1,060 per year. The most expensive vehicle to insure is the Jeep Wrangler Unlimited Rubicon 4WD costing an average of $1,604 per year.

The next tables illustrate trim level insurance cost averages for both 2015 models, including an overall average rate. The cheapest model to insure for the 2015 model year is the Subaru Forester.

Additional Jeep Wrangler and Subaru Forester Resources

• Jeep Wrangler Insurance Rates
• Subaru Forester Insurance Rates
• Small SUV Insurance Rate Comparisons
• Midsize SUV Insurance Cost Comparisons