The Subaru Forester is a compact crossover SUV that first debuted in the U.S. in 1998. The 2026 Forester has been upgraded with the latest tech, including EyeSight Driver Assist Technology, an 11.6-inch touchscreen, and wireless Apple CarPlay/Android Auto. No matter which type of Subaru Forester you drive, it needs to be protected with the right car insurance.
When it's time to find the best Subaru Forester insurance, an independent insurance agent can assist you. These agents know where to get the right Subaru insurance at a great rate. But first, here's a breakdown of how much it costs to insure a Subaru Forester by model year and top-rated insurance company in 2026.
Key Takeaways - Subaru Forester Car Insurance
Subaru Forester insurance costs an average of $1,972 per year, or approximately $164 per month, for full coverage in 2026.
Subaru Forester insurance costs vary widely by state, with drivers in Wyoming paying an average of only $31 monthly for minimum coverage, while those in Louisiana pay $171.
Your age, location, credit, trim level, and driving history are all major factors that can influence the cost of Subaru Forester insurance.
Nationwide, Progressive, and American Family are the cheapest carriers for model-year 2025 Subaru Forester insurance this year.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Subaru Forester model.
What Is Subaru Forester Insurance?
Subaru Forester insurance is a specialized car insurance policy that offers customized coverage for your specific vehicle. As a compact crossover SUV, the Forester may require additional coverage beyond that needed by standard sedans. However, the Forester's average car insurance rates trend cheaper than those for similar SUVs.
Recommended coverage options for Subaru Forester drivers:
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving an uninsured or underinsured driver, or after a hit-and-run.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
Add-on coverage options worth considering for a Subaru Forester:
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Subaru parts during the repair process.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
- Gap insurance: If you have a new or financed Subaru vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
- Subaru warranty insurance: This can extend Subaru's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
Your state likely requires certain types of auto insurance by law. A local independent insurance agent can help you avoid fines and other penalties for being underinsured. They know exactly which types of auto insurance are mandatory for a Subaru Forester in your area.
How Much Does Subaru Forester Insurance Cost?
The average cost of car insurance for a Subaru Forester is $1,972 per year, or approximately $164 per month, for full coverage. Minimum coverage for a Subaru Forester costs an average of $1,021 annually, or approximately $85 monthly. However, several factors can influence the cost of Subaru insurance, including:
- The specific type of Forester you drive
- Your driving history
- Annual mileage
- The types and amount of coverage you need
- Vehicle safety features
- Your claims history
- Your location
- Your credit score (where allowed)
An independent insurance agent can help you find the most affordable coverage, whether you're looking for Subaru Forester full coverage insurance or a basic Subaru Forester liability insurance policy. They can also help you find the right coverage for a Subaru Forester hybrid or whichever model you drive.
Is the Subaru Forester Expensive to Insure?
Yes and no. While the Subaru Forester is slightly more expensive to insure than other Subaru models, it's much cheaper than other SUVs. The table below compares average auto insurance rates for the Subaru Forester with those for all Subarus and other SUVs.
| Vehicle | Average Monthly Cost of Full Coverage |
| Subaru Forester | $164 |
| All Subarus | $160 |
| All SUVs | $184 |
Average Subaru Forester Insurance Rates Compared to Similar Vehicles
The Subaru Forester isn't expensive to insure when compared to many other vehicles in its class. The Forester's average monthly auto insurance rate of $124 is quite comparable to that of the GMC Terrain, the Nissan Pathfinder, the BMW X3, and the Infiniti EX. The table below compares the Subaru Forester's average auto insurance premiums to those of similar vehicles in its class.
| Vehicle | Average Monthly Cost of Car Insurance |
| GMC Terrain | $124 |
| Nissan Pathfinder | $124 |
| BMW X3 | $124 |
| Subaru Forester | $125 |
| Infiniti EX | $125 |
| Hyundai Tuscon | $125 |
| Jeep Wrangler | $126 |
| Kia Soul | $126 |
Subaru Forester Insurance Costs by Model Year
Next, we'll break down several model years of the Subaru Forester and the average insurance costs for each.
| Model Year | Average Annual Cost of Car Insurance |
| 2026 Subaru Forester* | $1,265 |
| 2025 Subaru Forester | $1,140 |
| 2024 Subaru Forester | $954 |
| 2023 Subaru Forester | $780 |
| 2022 Subaru Forester | $674 |
| 2021 Subaru Forester | $584 |
| 2020 Subaru Forester | $528 |
| 2019 Subaru Forester | $653 |
| 2018 Subaru Forester | $535 |
| 2017 Subaru Forester | $560 |
| 2016 Subaru Forester | $457 |
| 2015 Subaru Forester | $508 |
| 2014 Subaru Forester | $655 |
| 2013 Subaru Forester | $736 |
| 2012 Subaru Forester | $516 |
| 2011 Subaru Forester | $663 |
| 2010 Subaru Forester | $502 |
*Note: The 2026 Forester's average rate is a projection based on the evaluation of inflation trends and current market data.
Cheapest Subaru Forester Car Insurance Companies for 2026
You can find highly affordable Subaru Forester insurance from many different carriers. These top-rated Subaru car insurance companies provide the cheapest model-year 2025 Forester insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| Nationwide | $1,515 |
| Progressive | $1,557 |
| American Family | $1,584 |
| USAA | $1,654 |
| Erie | $1,845 |
| Allstate | $2,870 |
Subaru Forester Car Insurance Rates by State
Location is one of the main factors that affects car insurance premiums. Here are some average auto insurance rates for the Subaru Forester by state for 2026.
| State | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| Alabama | $70 | $132 |
| Alaska | $60 | $128 |
| Arizona | $100 | $186 |
| Arkansas | $66 | $147 |
| California | $82 | $166 |
| Colorado | $80 | $191 |
| Connecticut | $118 | $202 |
| Delaware | $118 | $199 |
| Florida | $108 | $248 |
| Georgia | $126 | $206 |
| Hawaii | $45 | $101 |
| Idaho | $45 | $92 |
| Illinois | $77 | $144 |
| Indiana | $54 | $107 |
| Iowa | $45 | $110 |
| Kansas | $59 | $138 |
| Kentucky | $107 | $180 |
| Louisiana | $171 | $364 |
| Maine | $43 | $89 |
| Maryland | $128 | $216 |
| Massachusetts | $86 | $181 |
| Michigan | $123 | $238 |
| Minnesota | $69 | $142 |
| Mississippi | $73 | $144 |
| Missouri | $101 | $200 |
| Montana | $59 | $140 |
| Nebraska | $61 | $140 |
| Nevada | $149 | $269 |
| New Hampshire | $58 | $103 |
| New Jersey | $139 | $229 |
| New Mexico | $69 | $153 |
| New York | $101 | $181 |
| North Carolina | $68 | $133 |
| North Dakota | $49 | $107 |
| Ohio | $63 | $122 |
| Oklahoma | $76 | $168 |
| Oregon | $102 | $178 |
| Pennsylvania | $72 | $166 |
| Rhode Island | $105 | $187 |
| South Carolina | $86 | $160 |
| South Dakota | $43 | $132 |
| Tennessee | $64 | $130 |
| Texas | $106 | $217 |
| Utah | $91 | $155 |
| Vermont | $37 | $88 |
| Virginia | $80 | $129 |
| Washington | $77 | $142 |
| West Virginia | $73 | $148 |
| Wisconsin | $53 | $117 |
| Wyoming | $31 | $96 |
Average Subaru Forester Insurance Rates by Trim Level
Car insurance costs for the Subaru Forester are also affected by each vehicle's specific trim level. Here are some average Subaru Forester insurance rates by trim level in 2026.
| Trim Level | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| L Sport Utility 4d | $62 | $119 |
| S Sport Utility 4d | $62 | $120 |
| Sport Utility 4d | $68 | $133 |
| Premium Sport Utility 4d | $73 | $141 |
| Sport SUV 4d | $73 | $143 |
| XS Sport Utility 4d | $75 | $144 |
| XS Ll Bean Edition Sport Utility 4d | $75 | $144 |
| Limited Sport Utility 4d | $76 | $148 |
| X Sport Utility 4d | $77 | $147 |
| 2.0XT Premium Sport Utility 4d | $77 | $148 |
| Wilderness Sport Utility 4d | $77 | $151 |
| Forester | $78 | $152 |
| Touring Sport Utility 4d | $79 | $154 |
| 2.5i Limited Sport Utility 4d | $80 | $154 |
| 2.5i Touring Sport Utility 4d | $80 | $155 |
| 2.5i Premium Sport Utility 4d | $80 | $154 |
| 2.5i Sport Utility 4d | $81 | $155 |
| 2.5X Touring Sport Utility 4d | $81 | $155 |
| 2.5XT Premium Sport Utility 4d | $81 | $156 |
| 2.0XT Touring Sport Utility 4d | $83 | $160 |
| Premium | $85 | $165 |
| Sports X Sport Utility 4d | $86 | $166 |
| Sport | $90 | $175 |
| 2.5XT Touring Sport Utility 4d | $94 | $180 |
| X Ll Bean Edition Sport Utility 4d | $94 | $182 |
| Limited | $95 | $185 |
| Wilderness | $97 | $188 |
| XT Sport Utility 4d | $100 | $192 |
| 2.5X Sport Utility 4d | $104 | $200 |
| Touring | $104 | $203 |
| X Limited Sport Utility 4d | $106 | $204 |
| 2.5X Limited Sport Utility 4d | $110 | $212 |
| Sports XT Sport Utility 4d | $110 | $212 |
| XT Limited Sport Utility 4d | $112 | $215 |
| 2.5XT Limited Sport Utility 4d | $113 | $217 |
| 2.5X Premium Sport Utility 4d | $122 | $235 |
Average Subaru Forester Insurance Rates by Driver Age and Profile
In addition to location and trim, your age, credit, and driving history can all affect the cost of car insurance. Teens and young drivers pay the highest average insurance rates for a Subaru Forester. Auto insurance rates tend to decline considerably starting around age 25.
However, once a driver reaches about age 65, auto insurance rates begin to climb through their senior years. Here are some average Subaru Forester insurance rates by driver age and profile for 2026.
| Driver Age | Clean Record | Accident on Record | Poor Credit |
| 18 | $6,213 | $9,065 | $10,585 |
| 20 | $4,740 | $6,977 | $8,184 |
| 25 | $2,797 | $4,101 | $4,769 |
| 30 | $2,178 | $3,181 | $3,729 |
| 35 | $2,038 | $2,952 | $3,500 |
| 40 | $1,977 | $2,879 | $3,330 |
| 45 | $1,899 | $2,792 | $3,244 |
| 55 | $1,760 | $2,573 | $3,012 |
| 65 | $1,832 | $2,651 | $3,121 |
| 75 | $2,274 | $3,388 | $3,981 |
Best Subaru Forester Insurance Discounts: How to Lower Your Subaru Forester Insurance Premiums
Want to save the most money possible on Subaru Forester auto insurance? Just follow any of these simple strategies to potentially increase your savings today:
- Compare quotes from multiple carriers: Comparing Subaru Forester insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Subaru Forester insurance from a trusted carrier near you.
- Ask about Subaru Forester insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Ask about telematics programs: Your insurance company or Subaru may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
Working with a local independent insurance agent is the best way to get matched with the most affordable, yet high-quality, Subaru Forester car insurance in your area. Your agent can find the best discounts and other cost-saving opportunities to reduce your rates as much as possible.
An Independent Insurance Agent Can Help You Get the Best Subaru Forester Insurance Quotes
When it's time to find the most affordable Subaru Forester insurance, no one's better equipped to help than a local independent insurance agent. Your agent knows which local carriers deliver the best overall blend of Subaru Forester insurance coverage and cost.
Even better, they'll help you score any discounts you're eligible for to bring your premium rates down even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Subaru Forester Insurance
How much does Subaru Forester insurance cost per year?
The average annual cost of full coverage for a Subaru Forester is $1,972 per year, or approximately $164 per month, for full coverage. However, the cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Subaru Forester insurance premiums?
Having traffic accidents on your record, filing car insurance claims in the past, having poor credit, or living in a high-theft rate area can all increase the cost of Subaru Forester insurance.
Is the Subaru Forester expensive to insure?
No, the Subaru Forester isn't expensive to insure when compared to similar vehicles in its class, including the BMW X3, the Jeep Wrangler, and the Kia Soul.
What are the best and cheapest carriers for Subaru Forester insurance in 2026?
We found that Nationwide, Progressive, and American Family are the best and cheapest car insurance companies for model-year 2025 Subaru Forester insurance this year.
Is insurance cheaper for the Subaru Forester than for other Subarus?
No, the Forester's average monthly car insurance rate of $164 is slightly higher than the $160 average for other Subaru vehicles.
How can I get cheaper Subaru Forester insurance?
Finding cheaper Subaru Forester insurance is easy when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Sources
https://www.moneygeek.com/insurance/auto/subaru-forester-insurance/
https://www.insuranceopedia.com/auto-insurance/subaru-forester-car-insurance
https://www.thezebra.com/auto-insurance/vehicles/subaru/forester/