Subaru Forester Insurance Cost for 2023

Does a Subaru Forester have expensive car insurance rates?

From the base AWD trim level to the higher cost Touring AWD trim level, we compared insurance quotes on the Forester to see how prices size up to the entire 2023 small SUV segment.

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How much does Subaru Forester insurance cost?

Subaru Forester insurance costs $1,526 per year for full coverage on average. Monthly insurance cost on a Subaru Forester averages $127 and ranges from $118 to $134, depending on the trim level.

The compact SUV segment’s average cost of insurance is $1,649 a year, so insuring a Subaru Forester could save an estimated $123 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2023 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 August 12, 2023
Subaru Forester Insurance Cost Summary
2023 Subaru Forester Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,520$293
Safe Driver Age 20$3,076$256
At-fault Accidents Age 40$2,150$179
Low Deductibles Age 40$2,064$172
Safe Driver Age 30$1,626$136
Safe Driver Age 40$1,526$127
Safe Driver Age 50$1,394$116
Safe Driver Age 60$1,370$114
Discount Rate Age 40$1,268$106
High Deductibles Age 40$1,256$105

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 $11,352 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 $150 less per year to insure than the Toyota RAV4, $8 less than the Honda CR-V, $104 less than the Chevrolet Equinox, and $140 less than the Nissan Rogue.

When compared to all vehicles (not just compact SUVs), average Subaru Forester insurance costs 12.4% less than the national average auto insurance rate of $1,728 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2023 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 August 12, 2023
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
1Chevrolet Trailblazer$1,370-$156
2Subaru Crosstrek$1,380-$146
3Nissan Kicks$1,386-$140
4Nissan Rogue Sport$1,412-$114
5Mazda CX-5$1,422-$104
6Buick Encore$1,442-$84
7Buick Envision$1,446-$80
8Kia Seltos$1,466-$60
9Hyundai Venue$1,478-$48
10Honda HR-V$1,508-$18
11Hyundai Kona$1,518-$8
12Subaru Forester$1,526--
13Honda CR-V$1,534$8
14Mazda CX-30$1,538$12
15Chevrolet Trax$1,558$32
16Volkswagen Tiguan$1,572$46
17Ford Bronco Sport$1,576$50
18Fiat 500X$1,606$80
19GMC Terrain$1,608$82
20Kia Soul$1,614$88
21Mitsubishi Eclipse Cross$1,616$90
22Chevrolet Equinox$1,630$104
23Toyota Corolla Cross$1,634$108
24Volkswagen Taos$1,640$114
25Mazda CX-50$1,652$126
26Hyundai Tucson$1,656$130
27Ford Escape$1,660$134
28Nissan Rogue$1,666$140
29Toyota RAV4$1,676$150
30Mazda MX-30$1,680$154
31Kia Niro$1,682$156
32Mini Cooper$1,690$164
33Jeep Compass$1,700$174
34Mini Cooper Clubman$1,720$194
35Jeep Renegade$1,746$220
36Chevrolet Bolt$1,756$230
37Toyota bz4X$1,758$232
38Kia Sportage$1,810$284
39Hyundai Ioniq 5$1,814$288
40Mini Cooper Countryman$1,860$334
41Mitsubishi Mirage$1,868$342
42Mitsubishi Outlander$1,872$346
43Volkswagen ID4$1,880$354
44Kia EV6$1,920$394
45Dodge Hornet$1,922$396
46Hyundai Nexo$1,990$464
47Ford Mustang Mach-E$2,048$522

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 $104 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 $8 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 $156 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 $140 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 $1,412 to $1,612 per year, the cheapest Forester trim levels to insure are the base Forester base AWD model and the Premium AWD at $1,484 per year.

On average, plan on budgeting around $118 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 $1,556,  $1,572, and $1,612 per year, respectively.

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

2023 Subaru Forester Insurance Cost by Trim Level
Subaru Forester Trim Level Annual Policy Six-Month Policy Per Month
Base AWD$1,412$706$118
Premium AWD$1,484$742$124
Sport AWD$1,518$759$127
Limited AWD$1,556$778$130
Wilderness AWD$1,572$786$131
Touring AWD$1,612$806$134

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 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 August 12, 2023
Subaru Forester Insurance Cost by 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 $1,340 per year, while a 2014 model will cost around $1,204 each year to insure.

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

Subaru Forester Insurance Cost for 2013-2023 Models
Model Year and Vehicle Annual Rate 6-month Rate Monthly Rate
2023 Subaru Forester$1,526$763$127
2022 Subaru Forester$1,464$732$122
2021 Subaru Forester$1,458$729$122
2020 Subaru Forester$1,436$718$120
2019 Subaru Forester$1,376$688$115
2018 Subaru Forester$1,340$670$112
2017 Subaru Forester$1,288$644$107
2016 Subaru Forester$1,322$661$110
2015 Subaru Forester$1,248$624$104
2014 Subaru Forester$1,204$602$100
2013 Subaru Forester$1,268$634$106

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 August 12, 2023
Subaru Forester Insurance Cost by Model Year

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.

Subaru Forester Insurance Rates for 1998 to 2012 Model Years
Vehicle Model Year Full Coverage Insurance Liability Insurance
2012 Subaru Forester$1,232$688
2011 Subaru Forester$1,190$684
2010 Subaru Forester$1,150$678
2009 Subaru Forester$1,106$672
2008 Subaru Forester$1,062$662
2007 Subaru Forester$1,020$650
2006 Subaru Forester$1,008$644
2005 Subaru Forester$992$640
2004 Subaru Forester$962$634
2003 Subaru Forester$944$628
2002 Subaru Forester$925$615
2001 Subaru Forester$907$603
2000 Subaru Forester$888$591
1999 Subaru Forester$871$579
1998 Subaru Forester$853$568

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 August 12, 2023
Subaru Forester Liability Insurance Rates