- At an average cost of $1,320 per year, a 2022 Subaru Forester is cheaper to insure than a 2022 Subaru Outback by an average of $78 per year.
- For a 2022 Subaru Forester, average insurance rates range from $1,240 to $1,400 per year, while insurance on a 2022 Subaru Outback ranges from $1,248 to $1,464.
- Average car insurance cost per month for the Subaru Outback is 6% more expensive than the Subaru Forester, at $110 versus $117, a difference of $7.

## Is insurance cheaper on a Subaru Forester or Outback?

Average car insurance on a 2022 Subaru Forester costs $1,320 per year, whereas Subaru Outback insurance costs an average of $1,398 per year. That’s a difference of $78 or 5.6%, which makes the Subaru Forester the cheaper of the two to insure.

On a monthly basis, drivers can expect the Subaru Forester to average around $110 per month for full coverage insurance, while the Outback averages about $117 per month.

For models prior to 2022, average car insurance rates compare as shown below. Click on any linked model year to view rates by trim level.

- 2021 Model Year –
**Cheaper model to insure:**Subaru Forester by $146 per year - 2020 Model Year –
**Cheaper model to insure:**Subaru Forester by $146 per year - 2019 Model Year –
**Cheaper model to insure:**Subaru Forester by $48 per year - 2018 Model Year –
**Cheaper model to insure:**Subaru Forester by $28 per year - 2017 Model Year –
**Cheaper model to insure:**Subaru Forester by $10 per year - 2016 Model Year –
**Cheaper model to insure:**Subaru Outback by $92 per year - 2015 Model Year –
**Cheaper model to insure:**Subaru Outback by $136 per year

The next sections break down average car insurance rates for both Subaru models. The chart in each section compares average overall rates, while the tables compare rates for individual trim levels for each model.

## 2022 Subaru Forester vs Outback

When comparing both models, the most affordable 2022 model and trim level is the Subaru Forester AWD at a cost of $1,240 per year, and the most expensive vehicle to insure is the Subaru Outback Touring XT AWD costing an average of $1,464 per year.

For a 2022 Subaru Forester, the cheapest models are the AWD, Premium AWD, and Sport AWD. The cheapest Subaru Outback models include the AWD, Premium AWD, and Onyx Edition XT AWD.

From a monthly standpoint, insurance rates for all 2022 Subaru Forester and Subaru Outback trim levels range from $103 to $122 per month.

The table below ranks the annual and monthly car insurance cost for 2022 Subaru Forester and Subaru Outback models, showing average cost for every trim level.

Model and Trim Level | Annual Cost | Monthly Cost |
---|---|---|

Forester AWD | $1,240 | $103 |

Forester Premium AWD | $1,240 | $103 |

Outback AWD | $1,248 | $104 |

Forester Sport AWD | $1,286 | $107 |

Outback Premium AWD | $1,294 | $108 |

Forester Touring AWD | $1,360 | $113 |

Forester Limited AWD | $1,394 | $116 |

Forester Wilderness AWD | $1,400 | $117 |

Outback Onyx Edition XT AWD | $1,402 | $117 |

Outback Limited AWD | $1,426 | $119 |

Outback Wilderness AWD | $1,446 | $121 |

Outback Touring AWD | $1,448 | $121 |

Outback Limited XT AWD | $1,458 | $122 |

Outback Touring XT AWD | $1,464 | $122 |

When comparing insurance cost for the 2022 Subaru Forester and Subaru Outback models, the Subaru Forester is cheaper by an average of $78 per year for this comparison year.

The rate chart below displays the average cost to insure the two models using a range of rated driver ages. Insurance cost ranges from $1,204 to $2,648 per year for a 2022 Subaru Forester, and $1,276 to $2,800 for a 2022 Subaru Outback.

**How does insurance cost for a 2022 Subaru Forester compare to a Subaru Outback?**

- For a 19-year-old driver, insurance on a Subaru Forester costs an average of $3,752 per year and Subaru Outback insurance costs an average of $3,974 per year, a difference of $222 per year.
- When compared to the national average car insurance rate of $1,567 per year, the Subaru Forester costs $247 less per year, while the Subaru Outback costs $169 less per year.
- For a 17-year-old driver, insurance on a Subaru Forester costs an average of $4,378 per year and Subaru Outback insurance costs an average of $4,664 per year, a difference of $286 per year.
- Having an at-fault accident could increase insurance rates by up to $534 per year for the Subaru Forester and $568 for the Subaru Outback.
- Getting a minor traffic violation could increase average rates as much as $346 per year for the Subaru Forester and $366 for the Subaru Outback.
- The cheapest 2022 Subaru Forester insurance is on the base AWD model costing $1,240 per year. The cheapest 2022 Subaru Outback to insure is also the base AWD model, costing an average of $1,248 per year.
- For an 18-year-old driver, insurance on a Subaru Forester costs an average of $4,108 per year and Subaru Outback insurance costs an average of $4,368 per year, a difference of $260 per year.

The tables below detail car insurance rates for all trim levels of 2022 Forester and Outback models. 2022 Subaru Forester insurance costs an average of $1,320 per year and the 2022 Subaru Outback insurance cost is $1,398, making the Subaru Forester cheaper by $78 per year.

### 2022 Subaru Forester

$1,320

2022 Subaru Forester Trims | Rate |
---|---|

AWD | $1,240 |

Premium AWD | 1,240 |

Sport AWD | 1,286 |

Touring AWD | 1,360 |

Limited AWD | 1,394 |

Wilderness AWD | 1,400 |

2022 Subaru Forester Average Rate | $1,320 |

### 2022 Subaru Outback

$1,398

2022 Subaru Outback Trims | Rate |
---|---|

AWD | $1,248 |

Premium AWD | 1,294 |

Onyx Edition XT AWD | 1,402 |

Limited AWD | 1,426 |

Wilderness AWD | 1,446 |

Touring AWD | 1,448 |

Limited XT AWD | 1,458 |

Touring XT AWD | 1,464 |

2022 Subaru Outback Average Rate | $1,398 |

## 2021 Subaru Forester vs Subaru Outback

For the 2021 Subaru Forester and Subaru Outback models, the Subaru Forester has cheaper car insurance rates by an average of $146 per year.

The rate chart below visualizes the average cost to insure both 2021 models for different driver ages. For a 2021 Subaru Forester, average insurance cost ranges from $1,190 to $2,628 per year. A 2021 Subaru Outback costs from $1,326 to $2,930 to insure per year.

The 2021 Subaru Forester has six trim levels available, with the cheapest trim to insure being the AWD model at an average cost of $1,248 per year, or around $104 per month. For the 11 trims available for the Subaru Outback, the cheapest 2021 model to insure is the AWD trim at a cost of $1,322 per year, or $110 per month.

When comparing car insurance rates for both models by trim level, the overall cheapest vehicle to insure to insure is the Subaru Forester AWD at a cost of $1,248 per year. The highest-cost model and trim is the Subaru Outback Touring XT AWD costing $1,518 per year.

The next two rate tables show the cost to insure the available trim levels for both 2021 models, including the average rate for each model.

### 2021 Subaru Forester

$1,306

2021 Subaru Forester Trims | Rate |
---|---|

AWD | $1,248 |

Alloy Wheel Package AWD | 1,248 |

Premium AWD | 1,288 |

Sport AWD | 1,308 |

Limited AWD | 1,340 |

Touring AWD | 1,400 |

2021 Subaru Forester Average Rate | $1,306 |

### 2021 Subaru Outback

$1,452

2021 Subaru Outback Trims | Rate |
---|---|

AWD | $1,322 |

Premium AWD | 1,368 |

Premium Navi/Moon Roof AWD | 1,414 |

Premium Plus AWD | 1,414 |

Limited AWD | 1,460 |

Onyx XT AWD | 1,460 |

Limited Navi/Moon Roof AWD | 1,474 |

Limited XT AWD | 1,518 |

Onyx XT Navi/Moon Roof AWD | 1,518 |

Touring AWD | 1,518 |

Touring XT AWD | 1,518 |

2021 Subaru Outback Average Rate | $1,452 |

## 2020 Subaru Forester vs Outback

For the 2020 Subaru Forester and Subaru Outback models, the Subaru Forester has cheaper car insurance rates by an average of $146 per year.

The rate chart below displays the average cost to insure both models using a range of rated driver ages. The average car insurance cost ranges from $1,168 to $2,578 per year for a 2020 Subaru Forester, and $1,304 to $2,874 for a 2020 Subaru Outback for these driver ages.

Out of six trim levels for the 2020 Subaru Forester, the cheapest car insurance rates are on the AWD trim at a cost of $1,226 per year.

For the 11 trim levels available for the Subaru Outback, the cheapest 2020 model to insure is the AWD model at a cost of $1,300 per year, or around $108 per month.

When auto insurance rates for all 17 trims of both models are combined sorted by cost, the lowest-cost model and trim to insure is the Subaru Forester AWD at an average of $1,226 per year. The most expensive model and trim level is the Subaru Outback Touring XT AWD at an average of $1,490 per year.

The next two tables display trim level insurance rates for each 2020 model, plus an average rate for each model. The winner for the 2020 car insurance cost comparison is the Subaru Forester.

### 2020 Subaru Forester

$1,280

2020 Subaru Forester Trims | Rate |
---|---|

AWD | $1,226 |

Alloy Wheel Package AWD | 1,226 |

Premium AWD | 1,262 |

Sport AWD | 1,284 |

Limited AWD | 1,314 |

Touring AWD | 1,370 |

2020 Subaru Forester Average Rate | $1,280 |

### 2020 Subaru Outback

$1,426

2020 Subaru Outback Trims | Rate |
---|---|

AWD | $1,300 |

Premium AWD | 1,342 |

Premium Navi/Moon Roof AWD | 1,388 |

Premium Plus AWD | 1,388 |

Limited AWD | 1,432 |

Onyx XT AWD | 1,432 |

Limited Navi/Moon Roof AWD | 1,444 |

Limited XT AWD | 1,490 |

Onyx XT Navi/Moon Roof AWD | 1,490 |

Touring AWD | 1,490 |

Touring XT AWD | 1,490 |

2020 Subaru Outback Average Rate | $1,426 |

## 2019 Subaru Forester vs Outback

When comparing average insurance rates for 2019 models, a Subaru Forester costs an average of $1,240 per year to insure and a Subaru Outback costs $1,288, making the Subaru Forester cheaper to insure by $48 per year.

The chart below visualizes the average cost to insure the two models for drivers aged 20 to 50. The average cost of car insurance ranges from $1,134 to $2,494 per year for a 2019 Subaru Forester, and $1,178 to $2,596 for a 2019 Subaru Outback for the illustrated age groups.

The 2019 Subaru Forester has 10 trim levels available, with the cheapest trim level to insure being the 2 AWD model at an average cost of $1,178 per year.

The 2019 Subaru Outback has six trim levels available, with the cheapest trim to insure being the 2.5I AWD model at an average cost of $1,178 per year.

When rates are compared for the 16 trim levels of both 2019 models, the cheapest trim to insure is the Subaru Forester 2 AWD at an average of $1,178 per year, and the overall most expensive vehicle to insure is the Subaru Outback 3.6R Touring AWD at an average of $1,348 per year.

The next two tables show both 2019 models and all trim levels available for each one, as well as the overall average rate for each model.

### 2019 Subaru Forester

$1,240

2019 Subaru Forester Trims | Rate |
---|---|

2 AWD | $1,178 |

2.5I AWD | 1,178 |

2.0 Premium AWD | 1,208 |

2.5I Premium AWD | 1,208 |

2.0 Sport AWD | 1,234 |

2.5I Sport AWD | 1,234 |

2.0 Limited AWD | 1,262 |

2.5I Limited AWD | 1,262 |

2.0 Touring AWD | 1,318 |

2.5I Touring AWD | 1,318 |

2019 Subaru Forester Average Rate | $1,240 |

### 2019 Subaru Outback

$1,288

2019 Subaru Outback Trims | Rate |
---|---|

2.5I AWD | $1,178 |

2.5I Premium AWD | 1,228 |

2.5I Limited AWD | 1,306 |

3.6R Limited AWD | 1,328 |

2.5I Touring AWD | 1,348 |

3.6R Touring AWD | 1,348 |

2019 Subaru Outback Average Rate | $1,288 |

## 2018 Subaru Forester vs Outback

When comparing car insurance rates for the 2018 Subaru Forester and Subaru Outback models, the Subaru Forester is cheaper to insure by an average of $28 per year for this model year.

The next chart demonstrates the average cost to insure both 2018 models for drivers aged 20 to 50. The average car insurance cost ranges from $1,104 to $2,428 per year for a 2018 Subaru Forester, and $1,130 to $2,486 for a 2018 Subaru Outback for these driver ages.

Out of six Subaru Forester trim levels, the cheapest 2018 model to insure is the 2.5I AWD model at an average cost of $1,110 per year. Out of the six trims available for the Subaru Outback, the cheapest 2018 trim to insure is the 2.5I AWD model at a cost of $1,104 per year, or around $92 per month.

When comparing rates by trim level for both models, the cheapest vehicle to insure to insure is the Subaru Outback 2.5I AWD at an average of $1,104 per year. The overall most expensive vehicle to insure is the Subaru Outback 3.6R Touring AWD costing an average of $1,362 per year.

The tables below display average car insurance rates for every trim level for both 2018 models, as well as an average rate for each model.

### 2018 Subaru Forester

$1,208

2018 Subaru Forester Trims | Rate |
---|---|

2.5I AWD | $1,110 |

2.5I Premium AWD | 1,150 |

2.0XT Premium AWD | 1,188 |

2.5I Limited AWD | 1,192 |

2.5I Touring AWD | 1,284 |

2.0XT Touring AWD | 1,324 |

2018 Subaru Forester Average Rate | $1,208 |

### 2018 Subaru Outback

$1,236

2018 Subaru Outback Trims | Rate |
---|---|

2.5I AWD | $1,104 |

2.5I Premium AWD | 1,146 |

2.5I Limited AWD | 1,218 |

3.6R Limited AWD | 1,270 |

2.5I Touring AWD | 1,312 |

3.6R Touring AWD | 1,362 |

2018 Subaru Outback Average Rate | $1,236 |

## 2017 Subaru Forester vs Outback

When comparing average insurance rates for the 2017 Subaru Forester and Subaru Outback models, the Subaru Forester is cheaper by an average of $10 per year for this model year.

The chart below shows the average cost to insure both 2017 models rated for a variety of different driver ages. Insurance cost ranges from $1,076 to $2,370 per year for a 2017 Subaru Forester, and $1,086 to $2,392 for a 2017 Subaru Outback for the included driver ages.

For the 13 trims available for the 2017 Subaru Forester, the cheapest trim level to insure is the 2.5I AWD trim at an average cost of $1,076 per year. The 2017 Subaru Outback has six trims available, with the cheapest trim to insure being the 2.5I AWD model at an average cost of $1,076 per year.

When all 19 trims of both models are combined and compared, the cheapest vehicle to insure to insure is the Subaru Forester 2.5I AWD at an average of $1,076 per year, and the most expensive model and trim level is the Subaru Outback 3.6 Touring AWD at a cost of $1,274 per year.

The next two tables display trim level insurance rates for each 2017 model, along with the average rate for each model. The 2017 Subaru Forester comes out on top over the 2017 Subaru Outback for the cheapest overall car insurance rates.

### 2017 Subaru Forester

$1,178

2017 Subaru Forester Trims | Rate |
---|---|

2.5I AWD | $1,076 |

2.5I Premium AWD | 1,116 |

2.5I Premium AWP AWD | 1,144 |

2.5I Premium AWP and Eye Sight AWD | 1,144 |

2.0XT Premium AWD | 1,156 |

2.5I Limited AWD | 1,156 |

2.5I Limited Navigation AWD | 1,196 |

2.5I Touring AWD | 1,196 |

2.5I Touring Eyesight System AWD | 1,196 |

2.5I Touring Navigation AWD | 1,196 |

2.0XT Touring AWD | 1,246 |

2.0XT Touring Eyesight System AWD | 1,246 |

2.0XT Touring Navigation AWD | 1,246 |

2017 Subaru Forester Average Rate | $1,178 |

### 2017 Subaru Outback

$1,188

2017 Subaru Outback Trims | Rate |
---|---|

2.5I AWD | $1,076 |

2.5I Premium AWD | 1,116 |

2.5I Limited AWD | 1,184 |

2.5I Touring AWD | 1,234 |

3.6R Limited AWD | 1,234 |

3.6 Touring AWD | 1,274 |

2017 Subaru Outback Average Rate | $1,188 |

## 2016 Subaru Forester vs Outback

When comparing insurance cost for 2016 models, the Subaru Forester costs an average of $1,198 per year to insure and the Subaru Outback costs $1,106, making the Subaru Outback the winner by $92 for the 2016 comparison year.

The rate chart below shows the average cost to insure the two models with different driver age groups. For a 2016 Subaru Forester, average car insurance cost ranges from $1,094 to $2,398 per year for the example age groups. A 2016 Subaru Outback costs from $1,012 to $2,224 to insure per year.

Out of 13 trims for the 2016 Subaru Forester, the cheapest average insurance prices are on the 2.5I AWD trim at a cost of $1,096 per year. The 2016 Subaru Outback has four trim levels available, with the cheapest trim to insure being the 2.5I 4WD trim at an average cost of $1,034 per year, or about $86 per month.

When car insurance rates for all 17 trims of both models are combined sorted by cost, the cheapest model and trim level to insure is the Subaru Outback 2.5I 4WD at an average rate of $1,034 per year, and the most expensive trim is the Subaru Forester 2.0XT Touring Navigation AWD costing an average of $1,256 per year.

The tables shown below display average car insurance cost by trim level for a 2016 Subaru Forester and Subaru Outback, as well as an average rate for each model.

### 2016 Subaru Forester

$1,198

2016 Subaru Forester Trims | Rate |
---|---|

2.5I AWD | $1,096 |

2.5I Premium AWD | 1,132 |

2.5I Premium AWP AWD | 1,170 |

2.5I Premium AWP Navigation AWD | 1,170 |

2.0XT Premium AWD | 1,182 |

2.5I Limited AWD | 1,182 |

2.5I Limited Navigation AWD | 1,218 |

2.5I Touring AWD | 1,218 |

2.5I Touring Eyesight System AWD | 1,218 |

2.5I Touring Navigation AWD | 1,218 |

2.0XT Touring AWD | 1,256 |

2.0XT Touring Eyesight System AWD | 1,256 |

2.0XT Touring Navigation AWD | 1,256 |

2016 Subaru Forester Average Rate | $1,198 |

### 2016 Subaru Outback

$1,106

2016 Subaru Outback Trims | Rate |
---|---|

2.5I 4WD | $1,034 |

2.5I Premium 4WD | 1,072 |

2.5I Limited 4WD | 1,134 |

3.6R Limited 4WD | 1,184 |

2016 Subaru Outback Average Rate | $1,106 |

## 2015 Subaru Forester vs Outback

For 2015 Subaru Forester and Subaru Outback models, the Subaru Outback is cheaper to insure by an average of $136 per year for this model year.

The rate chart below demonstrates the average cost to insure both models with different driver age groups. For a 2015 Subaru Forester, insurance cost ranges from $1,056 to $2,306 per year for the age groups used in this illustration. A 2015 Subaru Outback costs from $930 to $2,038 to insure per year.

Out of 13 Subaru Forester trim levels, the cheapest 2015 trim to insure is the 2.5I AWD trim at an average cost of $1,064 per year. The 2015 Subaru Outback has four trim levels available, with the cheapest trim level to insure being the 2.5I 4WD trim at an average cost of $984 per year, or about $82 per month.

When average car insurance prices for all 17 trims of both models are combined sorted by cost, the lowest-cost model and trim to insure is the Subaru Outback 2.5I 4WD at an average rate of $984 per year, and the most expensive trim is the Subaru Forester 2.0XT Touring Navigation AWD at an average cost of $1,214 per year.

The two tables below illustrate average cost to insure each trim level for a 2015 Subaru Forester and Subaru Outback, plus an average rate for each model.

### 2015 Subaru Forester

$1,154

2015 Subaru Forester Trims | Rate |
---|---|

2.5I AWD | $1,064 |

2.5I Premium AWD | 1,098 |

2.5I Premium AWP AWD | 1,098 |

2.5I Premium AWP Navigation AWD | 1,132 |

2.0XT Premium AWD | 1,144 |

2.5I Limited AWD | 1,144 |

2.5I Limited Navigation AWD | 1,144 |

2.5I Touring AWD | 1,178 |

2.5I Touring Eyesight System AWD | 1,178 |

2.5I Touring Navigation AWD | 1,178 |

2.0XT Touring AWD | 1,214 |

2.0XT Touring Eyesight System AWD | 1,214 |

2.0XT Touring Navigation AWD | 1,214 |

2015 Subaru Forester Average Rate | $1,154 |

### 2015 Subaru Outback

$1,018

2015 Subaru Outback Trims | Rate |
---|---|

2.5I 4WD | $984 |

2.5I Premium 4WD | 1,010 |

2.5I Limited 4WD | 1,020 |

3.6R Limited 4WD | 1,054 |

2015 Subaru Outback Average Rate | $1,018 |