Subaru Forester Insurance Cost for 2022

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 $1,320 per year for full coverage on average. Monthly insurance cost on a Subaru Forester averages $110 and ranges from $103 to $117, depending on the trim level.

The compact SUV segment average cost of insurance is $1,426 a year, so insuring a Subaru Forester could save an estimated $106 or more annually over other similar vehicles.

The following chart demonstrates average car insurance rates on a 2022 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 2022 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.Data last updated on June 24, 2022
Subaru Forester Insurance Cost Summary
Subaru Forester Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,028$252
Safe Driver Age 20$2,648$221
At-fault Accidents Age 40$1,854$155
Low Deductibles Age 40$1,780$148
Safe Driver Age 30$1,404$117
Safe Driver Age 40$1,320$110
Safe Driver Age 50$1,204$100
Safe Driver Age 60$1,186$99
Discount Rate Age 40$1,098$92
High Deductibles Age 40$1,088$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 $10,516 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 $120 less per year than the Toyota RAV4, $16 less than the Honda CR-V, $104 less than the Chevrolet Equinox, and $172 less than the Nissan Rogue.

When compared to all vehicles (not just compact SUVs), average Subaru Forester insurance costs 15.8% less than the national average auto insurance rate of $1,567 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 46 vehicles in the 2022 small SUV segment.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2022 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.Data last updated on June 24, 2022
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-5$1,158-$162
2Nissan Kicks$1,190-$130
3Chevrolet Trailblazer$1,196-$124
4Subaru Crosstrek$1,224-$96
5Toyota C-HR$1,254-$66
6Buick Encore$1,260-$60
7Nissan Rogue Sport$1,272-$48
8Hyundai Venue$1,294-$26
9Buick Envision$1,298-$22
10Kia Seltos$1,300-$20
11Toyota Corolla Cross$1,310-$10
12Hyundai Kona$1,318-$2
13Subaru Forester$1,320--
14Volkswagen Tiguan$1,324$4
15Honda CR-V$1,336$16
16Mazda CX-30$1,350$30
17Honda HR-V$1,370$50
18Ford Ecosport$1,380$60
19Chevrolet Trax$1,398$78
20GMC Terrain$1,404$84
21Mitsubishi Eclipse Cross$1,408$88
22Hyundai Tucson$1,416$96
23Chevrolet Bolt$1,420$100
24Chevrolet Equinox$1,424$104
25Volkswagen Taos$1,428$108
26Fiat 500X$1,434$114
27Toyota RAV4$1,440$120
28Kia Soul$1,442$122
29Mazda MX-30$1,472$152
30Jeep Compass$1,478$158
31Kia Niro$1,480$160
32Nissan Rogue$1,492$172
33Ford Escape$1,498$178
34Hyundai Ioniq 5$1,514$194
35Mini Cooper Clubman$1,516$196
36Jeep Renegade$1,518$198
37Kia Sportage$1,524$204
38Ford Bronco$1,532$212
39Volkswagen ID4$1,554$234
40Mini Cooper$1,564$244
41Mini Cooper Countryman$1,582$262
42Mitsubishi Outlander$1,640$320
43Mitsubishi Mirage$1,658$338
44Ford Mustang Mach-E$1,726$406
45Hyundai Nexo$1,744$424
46Jeep Wrangler$1,746$426

When 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 2022 Subaru Forester has an average MSRP of $30,524, before dealer fees and destination charges.

The four compact SUV models most similar in price to the Forester for the 2022 model year are the Chevrolet Equinox, Mini Cooper, Volkswagen Tiguan, and Kia Niro. The data below shows how those models compare to a 2022 Forester by both purchase price and average insurance cost.

  • Compared to the Chevrolet Equinox – With an average price of $30,445 ($26,995 to $33,795), the 2022 Chevrolet Equinox costs $79 less than the MSRP for the Forester. Drivers can expect to pay an average of $104 more every 12 months to insure the Chevrolet Equinox compared to a Forester.
  • Compared to the Mini Cooper – The 2022 Mini Cooper has an average MSRP of $30,200, ranging from $26,995 to $38,900, which is $324 cheaper than the average MSRP for the Forester. Buying insurance for the Mini Cooper costs an average of $244 more each year than the Subaru Forester.
  • Compared to the Volkswagen Tiguan – The Volkswagen Tiguan retails for an average of $30,952 ($25,995 to $36,595), which is $428 more expensive than the average cost of the Forester. The cost to insure a Forester compared to the Volkswagen Tiguan is $4 less each year on average.
  • Compared to the Kia Niro – For the 2022 model year, the MSRP on the Kia Niro averages $555 more than the MSRP for the Forester ($31,079 compared to $30,524). Drivers can expect to pay approximately $160 more each year to insure the Kia Niro compared to a Forester.

What is the cheapest Subaru Forester insurance?

With average insurance cost ranging from $1,240 to $1,400 per year, the cheapest Forester trim levels to insure are the base Forester AWD model and the Premium AWD at $1,240 per year.

On average, plan on budgeting at a bare minimum $103 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 Touring AWD, the Limited AWD, and the Wilderness AWD trim levels at $1,360,  $1,394, and $1,400 per year, respectively.

The next table displays average insurance rates, plus a monthly budget estimate, for each 2022 Subaru Forester trim level.

2022 Subaru Forester Insurance Cost by Trim Level
Subaru Forester Trim Level Annual Policy 6-month Policy Per Month
AWD$1,240$620$103
Premium AWD$1,240$620$103
Sport AWD$1,286$643$107
Touring AWD$1,360$680$113
Limited AWD$1,394$697$116
Wilderness AWD$1,400$700$117

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 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.Data last updated on June 24, 2022
Subaru Forester Insurance Cost by Trim Level

How much is insurance on a used Forester?

Insuring a Forester prior to the 2022 model year will definitely lower your insurance rates. Average rates for a 2018 Forester are $1,208 per year, while a 2014 model with cost around $1,104 each year to insure.

The next table details average full coverage Subaru Forester auto insurance cost for the 2013 through 2022 model years.

Subaru Forester Insurance Cost for 2013-2022 Models
Model Year and Vehicle Annual Rate 6-month Rate Monthly Rate
2022 Subaru Forester$1,320$660$110
2021 Subaru Forester$1,306$653$109
2020 Subaru Forester$1,280$640$107
2019 Subaru Forester$1,240$620$103
2018 Subaru Forester$1,208$604$101
2017 Subaru Forester$1,178$589$98
2016 Subaru Forester$1,198$599$100
2015 Subaru Forester$1,154$577$96
2014 Subaru Forester$1,104$552$92
2013 Subaru Forester$1,142$571$95

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.Data last updated on June 24, 2022
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$1,112$608
2011 Subaru Forester$1,078$602
2010 Subaru Forester$1,040$598
2009 Subaru Forester$1,008$594
2008 Subaru Forester$968$588
2007 Subaru Forester$930$578
2006 Subaru Forester$892$568
2005 Subaru Forester$882$564
2004 Subaru Forester$868$560
2003 Subaru Forester$842$554
2002 Subaru Forester$826$550
2001 Subaru Forester$809$539
2000 Subaru Forester$793$528
1999 Subaru Forester$777$518
1998 Subaru Forester$762$507

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.Data last updated on June 24, 2022
Subaru Forester Liability Insurance Rates