Subaru Forester Car Insurance Comparison: 2024 Edition

• Subaru Forester insurance cost averages $1,692 per year or around $141 per month, depending on the trim level.
• The Subaru Forester is one of the cheaper compact SUVs to insure for the 2024 model year, costing $53 less per year on average when compared to the rest of the class.
• The cheapest Forester insurance is usually found on the base trim level costing an average of $1,572 per year, while the Forester Touring is the most expensive to insure at $1,780 per year.
• Insuring an older Subaru Forester could save around $580 per year, and even more if insuring for liability only.

How much does Subaru Forester insurance cost?

Subaru Forester insurance costs $1,692 per year for full coverage on average. Monthly insurance cost on a Subaru Forester averages $141 and ranges from $131 to $148, depending on the trim level.

The compact SUV segment’s average cost of insurance is $1,745 a year, so insuring a Subaru Forester could save an estimated $53 or more annually over other similar vehicles.

The following chart demonstrates average car insurance rates on a 2024 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 $12,859 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 $56 less per year to insure than the Toyota RAV4, $74 more than the Honda CR-V, $54 less than the Chevrolet Equinox, and $12 less than the Nissan Rogue.

When compared to all vehicles (not just compact SUVs), average Subaru Forester insurance costs 10.7% less than the national average auto insurance rate of $1,883 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 2024 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 2024 Subaru Forester has an average MSRP of $32,591, before dealer fees and destination charges.

The four compact SUV models most similar in price to the Forester for the 2024 model year are the Kia Sportage, Mitsubishi Outlander, Hyundai Kona, and Kia Niro. The data below shows how those models compare to a 2024 Forester by both purchase price and average insurance cost.

• Compared to the Kia Sportage – With an average price of $32,430 ($27,090 to $37,890), the 2024 Kia Sportage costs $161 less than the MSRP for the Forester. Drivers can expect to pay an average of $166 more every 12 months to insure the Kia Sportage compared to a Forester.
• Compared to the Mitsubishi Outlander – The 2024 Mitsubishi Outlander has an average MSRP of $32,758, ranging from $27,090 to $36,745, which is $167 more expensive than the average MSRP for the Forester. Buying insurance for the Mitsubishi Outlander costs an average of $156 more each year than the Subaru Forester.
• Compared to the Hyundai Kona – The Hyundai Kona retails for an average of $32,400 ($24,100 to $41,550), which is $191 cheaper than the average cost of the Forester. The cost to insure a Forester compared to the Hyundai Kona is $14 less each year on average.
• Compared to the Kia Niro – For the 2024 model year, the MSRP on the Kia Niro averages $370 more than the MSRP for the Forester ($32,961 compared to $32,591). Drivers can expect to pay approximately $66 less each year to insure the Kia Niro 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 $1,572 to $1,780 per year, the cheapest Forester trim levels to insure are the base Forester base model and the Premium at $1,652 per year.

On average, plan on budgeting around $131 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, the Wilderness, and the Touring trim levels at $1,726,  $1,740, and $1,780 per year, respectively.

The next table displays average insurance rates, plus a monthly budget estimate, for each 2024 Subaru Forester trim level.

New vs. used Subaru Forester insurance rates

Insuring a Forester prior to the 2024 model year will definitely lower your insurance rates. Average rates for a 2018 Forester are $1,316 per year, while a 2014 model will cost around $1,156 each year to insure.

The next table details average full coverage Subaru Forester auto insurance cost for the 2013 through 2024 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.

About the Author

During his career as an independent insurance agent, Ryan Grabenstein was appointed with Progressive, Allstate, Nationwide, Travelers, and many smaller regional and mutual companies. He has a Bachelor's degree in Finance from the University of Nebraska at Lincoln and Certified Insurance Counselor (CIC) personal and commercial lines training.