Subaru Forester vs. CrossTrek Insurance Cost

• A 2024 Subaru Crosstrek has cheaper car insurance rates than a 2024 Subaru Forester by an average of $354 per year, $2,084 compared to $1,730.
• For a 2024 Subaru Forester, car insurance rates range from $1,936 to $2,192 per year, while insurance on a 2024 Subaru Crosstrek ranges from $1,644 to $1,804 for full-coverage.
• Out of 47 models in the 2024 small SUV segment, the Subaru Forester ranks 16^th and the Subaru Crosstrek ranks first for most affordable car insurance.

Is insurance cheaper for a Subaru Forester or Crosstrek?

Average insurance rates for a 2024 Subaru Forester are $2,084 per year, while insurance for a 2024 Subaru Crosstrek costs an average of $1,730 per year, making the Subaru Crosstrek the cheapest to insure.

For the six trims available for the 2024 Subaru Forester, the cheapest trim to insure is the Base trim at an average cost of $1,936 per year.

Out of the five trims available for the Subaru Crosstrek, the cheapest 2024 trim to insure is the Base model at a cost of $1,644 per year, or $137 per month.

When insurance prices for all 11 trim levels for both vehicles are compared, the cheapest model and trim level is the Subaru Crosstrek Base at an average cost of $1,644 per year, and the highest-cost model and trim level is the Subaru Forester Touring costing $2,192 per year.

The table shown below compares and ranks the 12-month and monthly car insurance cost for 2024 Subaru Forester and Subaru Crosstrek models, with average rates for each trim level.

The next chart shows the average cost to insure the two models with different drivers at the wheel. Average insurance cost ranges from $1,834 to $4,276 per year for a 2024 Subaru Forester, and $1,536 to $3,402 for a 2024 Subaru Crosstrek for the driver ages used.

The tables shown below illustrate the average insurance cost by trim level for both 2024 models, as well as the overall average rate for each model. The winner for the 2024 car insurance comparison is the Subaru Crosstrek.

2023 Subaru Forester vs. Subaru Crosstrek

For 2023 Forester and Crosstrek models, the model having the cheapest rates is the Subaru Crosstrek. Insurance on a Subaru Forester costs an average of $1,926 per year, whereas the Subaru Crosstrek costs an average of $1,740 per year.

For the 2023 Subaru Forester, average car insurance prices range from the cheapest rate of $1,782 per year for the $27,095 Base AWD model up to $2,034 for the $37,395 Touring AWD model.

For the 2023 Subaru Crosstrek, rates can range from $1,628 annually for the Base AWD model to as high as $1,890 for the $37,395 Plug-in Hybrid AWD model.

When comparing car insurance rates for both models by trim level, the cheapest vehicle to insure is the Subaru Crosstrek Base AWD at a cost of $1,628 per year, and the highest-cost model and trim is the Subaru Forester Touring AWD costing an average of $2,034 per year.

For a 2023 Subaru Forester, the cheapest models are the Base AWD, Premium AWD, and Sport AWD. The cheapest Subaru Crosstrek models include the Base AWD, Premium AWD, and Sport AWD. Average car insurance rates for all 2023 Subaru Forester and Subaru Crosstrek models and trims range from $136 to $170 per month.

The chart shown below illustrates average Subaru Forester and Subaru Crosstrek car insurance rates for the 2023 model year, grouped by driver age.

The next chart demonstrates the average cost to insure both models using different driver ages. Average insurance cost ranges from $1,692 to $3,942 per year for a 2023 Subaru Forester, and $1,540 to $3,516 for a 2023 Subaru Crosstrek for the included age groups.

Out of six Subaru Forester trim levels, the cheapest 2023 model to insure is the Base AWD trim at an average cost of $1,782 per year, or $149 per month.

For the five trim levels available for the Subaru Crosstrek, the cheapest 2023 trim level to insure is the Base AWD trim at a cost of $1,628 per year, or around $136 per month.

When comparing aggregated rates for both models from a trim-level perspective, the cheapest trim to insure is the Subaru Crosstrek Base AWD at an average rate of $1,628 per year. The highest-cost model and trim level is the Subaru Forester Touring AWD at an average cost of $2,034 per year.

The next tables display the average insurance cost by trim level for both 2023 models, plus an average rate for each model. The model with the cheapest overall car insurance cost for 2023 is the Subaru Crosstrek.

2022 Subaru Forester vs. Subaru Crosstrek

The average cost to insure a 2022 Subaru Forester is $1,926 per year, whereas Subaru Crosstrek insurance costs an average of $1,740 per year. That’s a difference of $186 or 10.1%, which makes the Subaru Crosstrek cheaper to insure.

On a monthly basis, drivers can expect the Subaru Forester to average around $161 per month for full coverage insurance, while the Crosstrek averages about $145 per month. The exact rate you will pay depends a lot on where you live, however.

For the 2020 model year, Forester insurance costs on average $1,792 per year, while a 2020 Crosstrek costs $1,820. That’s a difference of $28, which again makes the Subaru Forester the cheapest model to insure.

For 2019 and prior models, the Subaru Crosstrek actually has cheaper average car insurance rates than the Forester.

The next sections break down average car insurance rates for both models. The charts compare average insurance cost per year for each model year of Forester and Crosstrek, and the tables compare rates for the individual trim levels for each model.

2022 Subaru Forester vs. CrossTrek

When comparing car insurance rates for 2022 models, the Subaru Forester costs an average of $1,852 per year to insure and the Subaru Crosstrek costs $1,718, making the Subaru Crosstrek the winner by $134 for the 2022 comparison year.

The bar chart below compares Subaru Forester insurance rates to Subaru Crosstrek insurance rates for the 2022 model year to see which model cost less to insure. For a 2022 Subaru Forester, the average cost of car insurance ranges from $1,628 to $3,780 per year for the age groups used in the chart. A 2022 Subaru Crosstrek costs from $1,520 to $3,472 to insure per year.

 

Out of six trims for the 2022 Subaru Forester, the cheapest car insurance rates are on the AWD model at a cost of $1,740 per year, or $145 per month.

The 2022 Subaru Crosstrek has five trim levels available, with the cheapest model to insure being the AWD trim at an average cost of $1,592 per year, or around $133 per month.

When all 11 trims of both models are combined and compared, the cheapest model and trim level to insure is the Subaru Crosstrek AWD at an average cost of $1,592 per year. The highest-cost model and trim level is the Subaru Forester Wilderness AWD at an average of $1,964 per year.

The rate tables below illustrate average cost to insure each trim level for a 2022 Subaru Forester and Subaru Crosstrek, as well as an average rate for each model. The winner for the 2022 car insurance rate comparison is the Subaru Crosstrek.

2021 Subaru Forester vs. Subaru Crosstrek

When comparing average insurance rates for the 2021 Subaru Forester and Subaru Crosstrek models, the Subaru Forester is cheaper by an average of $30 per year.

The next chart displays the average cost to insure both 2021 models rated for different driver ages. For a 2021 Subaru Forester, the average car insurance cost ranges from $1,628 to $3,778 per year for the example age groups. A 2021 Subaru Crosstrek costs from $1,666 to $3,818 to insure per year.

Out of six trims for the 2021 Subaru Forester, the cheapest car insurance rates are on the AWD model at a cost of $1,764 per year, or $147 per month. The 2021 Subaru Crosstrek has four trim levels available, with the cheapest model to insure being the AWD trim at an average cost of $1,730 per year.

When looking at the aggregated rates by trim for both models, the cheapest trim to insure is the Subaru Crosstrek AWD at an average of $1,730 per year, and the most expensive trim is the Subaru Crosstrek Plug-in Hybrid AWD costing $2,086 per year.

The next two rate tables display average car insurance rates for every trim level for both 2021 models, including the average rate for each model.

2020 Subaru Forester vs. Crosstrek

When comparing insurance rates for the 2020 Subaru Forester and Subaru Crosstrek models, the Subaru Forester is cheaper to insure by an average of $28 per year.

The rate chart below illustrates the average cost to insure the two models for the 20 to 50-year-old driver age groups. For a 2020 Subaru Forester, the average cost of car insurance ranges from $1,582 to $3,668 per year for the age groups used in the chart. A 2020 Subaru Crosstrek costs from $1,616 to $3,702 to insure per year.

Out of six trims for the 2020 Subaru Forester, the cheapest rates are on the AWD model at a cost of $1,710 per year. The 2020 Subaru Crosstrek has four trim levels available, with the cheapest model to insure being the AWD trim at an average cost of $1,680 per year.

When comparing aggregated rates for both models from a trim-level perspective, the cheapest vehicle to insure is the Subaru Crosstrek AWD at an average of $1,680 per year, and the most expensive vehicle to insure is the Subaru Crosstrek Plug-in Hybrid AWD costing an average of $2,022 per year.

The tables below show trim level insurance rates for each 2020 model, including an overall average rate. The 2020 Subaru Forester has lower-cost car average car insurance rates than the 2020 Subaru Crosstrek.

2019 Subaru Forester vs. Crosstrek

When comparing car insurance rates for 2019 models, a Subaru Forester costs an average of $1,702 per year to insure and a Subaru Crosstrek costs $1,558, making the Subaru Crosstrek cheaper to insure by $144 per year for this comparison year.

The chart shown below visualizes the average cost to insure the two models for four different driver age groups. For a 2019 Subaru Forester, the average cost of car insurance ranges from $1,506 to $3,478 per year for the included driver ages. A 2019 Subaru Crosstrek costs from $1,382 to $3,148 to insure per year.

For the 10 trim levels available for the 2019 Subaru Forester, the cheapest trim level to insure is the 2 AWD trim at an average cost of $1,616 per year.

For the three trims available for the Subaru Crosstrek, the cheapest 2019 trim to insure is the 2 AWD model at a cost of $1,460 per year, or $122 per month.

When comparing aggregated rates for both models from a trim-level perspective, the cheapest vehicle to insure is the Subaru Crosstrek 2 AWD at an average rate of $1,460 per year, and the most expensive trim is the Subaru Forester 2.5I Touring AWD at an average of $1,810 per year.

The tables shown below display all the available trims for both 2019 models, plus the average rate for each model. The cheapest to insure for the 2019 model year is the Subaru Crosstrek.

2018 Subaru Forester vs. Crosstrek

When comparing average insurance cost for 2018 models, the Subaru Forester costs an average of $1,622 per year to insure and the Subaru Crosstrek costs $1,442, making the Subaru Crosstrek the winner by $180 for 2018.

The chart below illustrates the average cost to insure both 2018 models for a range of driver ages. For a 2018 Subaru Forester, the average car insurance cost ranges from $1,438 to $3,306 per year for the example age groups. A 2018 Subaru Crosstrek costs from $1,284 to $2,906 to insure per year.

For the six trim levels available for the 2018 Subaru Forester, the cheapest trim level to insure is the 2.5I AWD trim at an average cost of $1,490 per year, or about $124 per month.

Out of the three trims available for the Subaru Crosstrek, the cheapest 2018 model to insure is the 2 AWD trim at a cost of $1,368.

When average insurance prices for all nine trim levels for both vehicles are compared, the overall cheapest vehicle to insure is the Subaru Crosstrek 2 AWD at an average of $1,368 per year. The most expensive model and trim level is the Subaru Forester 2.0XT Touring AWD at an average of $1,780 per year.

The tables below illustrate average car insurance rates for each trim level, including an overall average rate. The winner for the 2018 car insurance cost comparison is the Subaru Crosstrek.

2017 Subaru Forester vs. Crosstrek

For the 2017 Subaru Forester and Subaru Crosstrek models, the Subaru Crosstrek has cheaper car insurance rates by an average of $126 per year for this comparison year.

The chart below displays the average cost to insure both models for a range of driver ages. The average car insurance cost ranges from $1,376 to $3,156 per year for a 2017 Subaru Forester, and $1,266 to $2,862 for a 2017 Subaru Crosstrek for the age groups used in this illustration.

Out of 13 Subaru Forester trim levels, the cheapest 2017 trim to insure is the 2.5I AWD trim at an average cost of $1,414 per year. Out of the eight trims available for the Subaru Crosstrek, the cheapest 2017 trim level to insure is the 2 AWD model at a cost of $1,318 per year, or around $110 per month.

When comparing rates by trim level for both models, the most affordable model and trim level to insure is the Subaru Crosstrek 2 AWD at an average of $1,318 per year. The most expensive model and trim level is the Subaru Forester 2.0XT Touring Navigation AWD at a cost of $1,642 per year.

The rate tables below show trim level insurance cost averages for both 2017 models, including the average rate for each model. The 2017 Subaru Crosstrek wins out over the 2017 Subaru Forester for the cheapest overall car insurance rates.

2016 Subaru Forester vs. Crosstrek

When comparing insurance cost for the 2016 Subaru Forester and Subaru Crosstrek models, the Subaru Crosstrek is cheaper to insure by an average of $234 per year.

The rate chart below illustrates the average cost to insure both 2016 models for drivers from age 20 to 50. Average insurance cost ranges from $1,378 to $3,116 per year for a 2016 Subaru Forester, and $1,164 to $2,608 for a 2016 Subaru Crosstrek.

Out of 13 Subaru Forester trim levels, the cheapest 2016 model to insure is the 2.5I AWD model at an average cost of $1,410 per year. For the eight trims available for the Subaru Crosstrek, the cheapest 2016 trim to insure is the 2 AWD model at a cost of $1,150 per year, or around $96 per month.

When insurance prices for all 21 trim levels for both 2016 models are compared, the cheapest trim to insure is the Subaru Crosstrek 2 AWD at an average of $1,150 per year, and the overall most expensive vehicle to insure is the Subaru Forester 2.0XT Touring Navigation AWD costing an average of $1,618 per year.

The tables below display the expected annual car insurance cost by trim level for both 2016 models, as well as the overall average rate for each model. The 2016 Subaru Crosstrek has cheaper overall car insurance rates than the 2016 Subaru Forester.

Additional Subaru Forester and Subaru Crosstrek Resources

• Subaru Forester Insurance Rates
• Subaru Crosstrek Insurance Rates
• Small SUV Insurance Rate Comparisons