Subaru Forester Insurance Cost for 2023

• Subaru Forester insurance cost averages $1,486 per year or around $124 per month, depending on the trim level.
• The Subaru Forester is one of the cheaper compact SUVs to insure for the 2023 model year, costing $120 less per year on average when compared to the rest of the class.
• The cheapest Forester insurance is usually found on the base AWD trim level costing an average of $1,378 per year, while the Forester Touring AWD is the most expensive to insure at $1,570 per year.
• Insuring an older Subaru Forester could save around $550 per year, and even more if insuring for liability only.

How much does Subaru Forester insurance cost?

Subaru Forester insurance costs $1,486 per year for full coverage on average. Monthly insurance cost on a Subaru Forester averages $124 and ranges from $115 to $131, depending on the trim level.

The compact SUV segment’s average cost of insurance is $1,606 a year, so insuring a Subaru Forester could save an estimated $120 or more annually over other similar vehicles.

The following chart demonstrates average car insurance rates on a 2023 Subaru Forester using an assortment of different driver ages and risk profiles.

To give you a better sense of the full range of possible rates, consider that liability-only insurance for a Subaru Forester in the cheapest areas of Maine or Idaho may be as cheap as $206 a year. For the same vehicle, a 16-year-old driver with a few speeding tickets and accident claims in Philadelphia, Pennsylvania, might be as much as $11,194 a year for a policy with full coverage.

How do Forester insurance rates compare?

When Subaru Forester car insurance rates are compared to the top-selling other small SUVs, the Forester costs $148 less per year to insure than the Toyota RAV4, $10 less than the Honda CR-V, $102 less than the Chevrolet Equinox, and $136 less than the Nissan Rogue.

When compared to all vehicles (not just compact SUVs), average Subaru Forester insurance costs 12.6% less than the national average auto insurance rate of $1,685 per year.

The chart below shows how Forester car insurance rates compare to other popular small SUVs and crossovers. Following the top ten chart, a larger data table is included after the chart that illustrates auto insurance cost for all 47 vehicles in the 2023 small SUV segment.

When the average cost for each model in the small SUV segment is factored in, it allows us to compare average cost between the Forester and compact SUVs with the most similar prices. A 2023 Subaru Forester has an average MSRP of $31,724, before dealer fees and destination charges.

The four compact SUV models most similar in price to the Forester for the 2023 model year are the Chevrolet Equinox, Hyundai Kona, Kia Niro, and Nissan Rogue. The data below shows how those models compare to a 2023 Forester by both purchase price and average insurance cost.

• Compared to the Chevrolet Equinox – With an average price of $31,395 ($27,995 to $34,795), the 2023 Chevrolet Equinox costs $329 less than the MSRP for the Forester. Drivers can expect to pay an average of $102 more every 12 months to insure the Chevrolet Equinox compared to a Forester.
• Compared to the Hyundai Kona – The 2023 Hyundai Kona has an average MSRP of $31,174, ranging from $27,995 to $41,550, which is $550 cheaper than the average MSRP for the Forester. Buying insurance for the Hyundai Kona costs an average of $6 less each year than the Subaru Forester.
• Compared to the Kia Niro – The Kia Niro retails for an average of $32,497 ($26,490 to $39,490), which is $773 more expensive than the average cost of the Forester. The cost to insure a Forester compared to the Kia Niro is $152 less each year on average.
• Compared to the Nissan Rogue – For the 2023 model year, the MSRP on the Nissan Rogue averages $855 more than the MSRP for the Forester ($32,579 compared to $31,724). Drivers can expect to pay approximately $136 more each year to insure the Nissan Rogue compared to a Forester.

For additional makes and models, please visit our car insurance cost comparison page.

What is the cheapest Subaru Forester insurance?

With average insurance cost ranging from $1,378 to $1,570 per year, the cheapest Forester trim levels to insure are the base Forester base AWD model and the Premium AWD at $1,448 per year.

On average, plan on budgeting around $115 per month to insure a Forester for full coverage. This amount is highly dependent on your location, age, and driving record, however.

On the high end of the cost spectrum, the three highest cost Forester trim levels to insure are the Subaru Forester Limited AWD, the Wilderness AWD, and the Touring AWD trim levels at $1,518,  $1,530, and $1,570 per year, respectively.

The next table displays average insurance rates, plus a monthly budget estimate, for each 2023 Subaru Forester trim level.

New vs. used Subaru Forester insurance rates

Insuring a Forester prior to the 2023 model year will definitely lower your insurance rates. Average rates for a 2018 Forester are $1,306 per year, while a 2014 model will cost around $1,174 each year to insure.

The next table details average full coverage Subaru Forester auto insurance cost for the 2013 through 2023 model years.

Liability insurance rates on a Forester

Insuring an older Subaru Forester for just liability insurance could drop the average policy cost to well under $600 a year. Rates vary considerably by location, however, so the rate you pay could be significantly cheaper.

The table below compares the cost of full coverage insurance on a Subaru Forester to the cost of a liability-only policy for the 1998 to 2012 model years.