Subaru Forester Insurance Cost for 2021

How much does Subaru Forester insurance cost? We compare rates by model year, from the base AWD trim up to the loaded Touring model, plus rank average insurance prices against the entire small SUV segment.

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How much does Subaru Forester insurance cost?

Subaru Forester insurance costs on average $1,318 annually for full coverage. Monthly insurance cost on a Subaru Forester averages $110 and ranges from $105 to $118, depending on the trim level.

The compact SUV segment average cost of insurance is $1,357 a year, so insuring a Subaru Forester could save an estimated $39 or more annually over other similar vehicles.

The following chart demonstrates average car insurance rates on a 2021 Subaru Forester using an assortment of different driver ages and risk profiles.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2021 model year Subaru Forester with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Subaru Forester trim levels.
Subaru Forester Insurance Cost Summary
Subaru Forester Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,032$253
Safe Driver Age 20$2,652$221
At-fault Accidents Age 40$1,864$155
Low Deductibles Age 40$1,748$146
Safe Driver Age 30$1,398$117
Safe Driver Age 40$1,318$110
Safe Driver Age 50$1,204$100
Safe Driver Age 60$1,184$99
High Deductibles Age 40$1,100$92
Discount Rate Age 40$1,096$91

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 $10,628 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 $118 less per year than the Toyota RAV4, $112 more than the Honda CR-V, $36 more than the Chevrolet Equinox, and $16 less than the Nissan Rogue.

When compared to all vehicles (not just compact SUVs), average Subaru Forester insurance costs 13.5% less than the national average auto insurance rate of $1,523 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 41 vehicles in the 2021 small SUV segment.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2021 model year Subaru Forester, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Subaru Forester trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.
Subaru Forester vs Top 10 Small SUVs Insurance Cost Comparison
Subaru Forester Insurance Cost Compared to All Small SUVs
Rank Make/Model Insurance Cost Difference
1Mazda CX-3$1,160-$158
2Honda CR-V$1,206-$112
3Mazda CX-5$1,222-$96
4Mazda CX-30$1,226-$92
5Ford Ecosport$1,230-$88
6Toyota C-HR$1,234-$84
7Nissan Rogue Sport$1,242-$76
8Hyundai Kona$1,244-$74
9Chevrolet Trax$1,246-$72
10Buick Envision$1,254-$64
11Nissan Kicks$1,256-$62
12Hyundai Venue$1,258-$60
13Mitsubishi Eclipse Cross$1,260-$58
14Hyundai Tucson$1,264-$54
15Kia Sportage$1,268-$50
16Jeep Compass$1,270-$48
17Kia Soul$1,274-$44
18Chevrolet Equinox$1,282-$36
19Chevrolet Trailblazer$1,290-$28
20Honda HR-V$1,302-$16
21Volkswagen Tiguan$1,308-$10
22Subaru Forester$1,318--
23Ford Escape$1,328$10
24Subaru Crosstrek$1,334$16
25Nissan Rogue$1,334$16
26Buick Encore$1,334$16
27Kia Seltos$1,344$26
28GMC Terrain$1,346$28
29Volkswagen ID4$1,382$64
30Fiat 500X$1,386$68
31Jeep Renegade$1,394$76
32Toyota RAV4$1,436$118
33Kia Niro$1,450$132
34Mini Cooper Countryman$1,486$168
35Mini Cooper$1,512$194
36Mitsubishi Mirage$1,540$222
37Ford Bronco$1,612$294
38Mini Cooper Clubman$1,650$332
39Mitsubishi Outlander$1,678$360
40Jeep Wrangler$1,706$388
41Hyundai Nexo$1,788$470

What is the cheapest Subaru Forester insurance?

With average insurance cost ranging from $1,258 to $1,410 per year, the cheapest Forester trim levels to insure are the base Forester AWD model and the Alloy Wheel Package AWD at $1,258 per year.

On average, plan on budgeting at a bare minimum $105 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 Sport AWD, the Limited AWD, and the Touring AWD trim levels at $1,320,  $1,350, and $1,410 per year, respectively.

The next table displays average insurance rates, plus a monthly budget estimate, for each 2021 Subaru Forester trim level.

2021 Subaru Forester Insurance Cost by Trim Level
Subaru Forester Trim Level Annual Policy 6-month Policy Per Month
AWD$1,258$629$105
Alloy Wheel Package AWD$1,258$629$105
Premium AWD$1,298$649$108
Sport AWD$1,320$660$110
Limited AWD$1,350$675$113
Touring AWD$1,410$705$118

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2021 Subaru Forester, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.
Subaru Forester Insurance Cost by Trim Level

How much is insurance on a used Forester?

Insuring a Forester prior to the 2021 model year will definitely lower your insurance rates. Average rates for a 2018 Forester are $1,226 per year, while a 2014 model with cost around $1,140 each year to insure.

The next table details average full coverage Subaru Forester auto insurance cost for the 2013 through 2021 model years.

Subaru Forester Insurance Cost for 2013-2021 Models
Model Year and Vehicle Annual Rate 6-month Rate Monthly Rate
2021 Subaru Forester$1,318$659$110
2020 Subaru Forester$1,286$643$107
2019 Subaru Forester$1,228$614$102
2018 Subaru Forester$1,226$613$102
2017 Subaru Forester$1,194$597$100
2016 Subaru Forester$1,230$615$103
2015 Subaru Forester$1,172$586$98
2014 Subaru Forester$1,140$570$95
2013 Subaru Forester$1,162$581$97

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates assume clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.
Subaru Forester Insurance Cost by Model Year

How much is liability insurance for 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.

Subaru Forester Insurance Rates for 1998 to 2012 Model Years
Vehicle Model Year Full Coverage Insurance Liability Insurance
2012 Subaru Forester$1,126$602
2011 Subaru Forester$1,094$598
2010 Subaru Forester$1,066$594
2009 Subaru Forester$1,024$588
2008 Subaru Forester$992$584
2007 Subaru Forester$956$580
2006 Subaru Forester$916$570
2005 Subaru Forester$880$560
2004 Subaru Forester$870$556
2003 Subaru Forester$854$550
2002 Subaru Forester$830$546
2001 Subaru Forester$812$540
2000 Subaru Forester$796$529
1999 Subaru Forester$780$519
1998 Subaru Forester$764$508

Get Rates in Your AreaWhy is this important?

Table Data Details: Average insurance rates for each Subaru Forester model year assume a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premium amounts. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.
Subaru Forester Liability Insurance Rates