Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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UPDATED: Jul 27, 2020

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Key takeaways:

  • Full coverage costs around $1,346 a year or $112 each month
  • A liability-only policy costs around $539 a year or $45 each month
  • Highest rates are for teenage drivers at around $4,920 a year or $410 each month
  • Good drivers can save as much as $555 a year by earning policy discounts
  • Subaru Forester insurance costs around $173 less per year than the average vehicle

Subaru Forester insurance rates are around $173 less per year than the average, with full coverage around $1,346 a year or $112 a month. Teen drivers have the highest rates at $4,920 a year or $410 a month. Good drivers may get up to $555 in discounts every year for being safe drivers. Let’s take a look at Subaru Forester insurance rates, safety rates, and more.

You can start comparing quotes for Subaru Forester car insurance rates from some of the best car insurance companies by using our free online tool now.

Table of Contents

Subaru Forester Insurance Cost

The average Subaru Forester auto insurance rates are $1,346 a year or $112 a month.

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Are Subaru Foresters Expensive to Insure?

The chart below details how Subaru Forester insurance rates compare to other SUVs like the Ford Flex, Mercedes-Benz GLE 350, and Cadillac Escalade ESV.

Vehicle Comprehensive Collision Liability Total
Subaru Forester $362 $532 $316 $1,346
Ford Flex $332 $566 $398 $1,454
Mercedes-Benz GLE 350 $438 $870 $390 $1,856
Cadillac Escalade ESV $464 $720 $390 $1,732
GMC Acadia $294 $470 $372 $1,294
Cadillac Escalade $458 $780 $466 $1,904
Jaguar F-PACE $470 $982 $398 $2,008
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However, there are a few things you can do to find the cheapest Subaru insurance rates online.

What Impacts the Cost of Subaru Forester Insurance?

The Subaru Forester trim and model you choose will affect the total price you will pay for Subaru Forester insurance coverage.

Age of the Vehicle

Older Subaru Forester models generally cost less to insure. For example, car insurance for a 2020 Subaru Forester costs $1,346, while 2010 Subaru Forester insurance costs are $1,074, a difference of $272.

Model Year Comprehensive Collision Liability Total
2020 Subaru Forester $362 $532 $316 $1,346
2019 Subaru Forester $346 $512 $332 $1,326
2018 Subaru Forester $332 $506 $338 $1,312
2017 Subaru Forester $320 $494 $354 $1,304
2016 Subaru Forester $310 $474 $364 $1,284
2015 Subaru Forester $292 $458 $376 $1,262
2014 Subaru Forester $282 $424 $384 $1,226
2013 Subaru Forester $270 $400 $388 $1,194
2012 Subaru Forester $258 $358 $390 $1,142
2011 Subaru Forester $242 $330 $390 $1,098
2010 Subaru Forester $234 $310 $394 $1,074
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Driver Age

Driver age can have a significant effect on the cost of Subaru Forester car insurance. For example, a 20-year-old driver could pay around $137 more each month for their Subaru Forester car insurance than 30-year-old driver.

Driver Location

Where you live can have a large impact on Subaru Forester insurance rates. For example, drivers in Los Angeles may pay $193 a year more than drivers in Houston.

Your Driving Record

Your driving record can have an impact on the cost of Subaru Forester car insurance. Teens and drivers in their 20’s see the highest jump in their Subaru Forester car insurance with violations on their driving record.

Subaru Forester Safety Ratings

The Subaru Forester’s safety ratings will affect your Subaru Forester auto insurance rates. See the chart below:

Test Type Rating
Small overlap front: driver-side Good
Small overlap front: passenger-side Good
Moderate overlap front Good
Side Good
Roof strength Good
Head restraints and seats Good
Source: Insurance Institute for Highway Safety
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Subaru Forester Crash Test Ratings

Not only do good Subaru Forester crash test ratings mean you are better protected in a crash, but good Subaru Forester crash ratings also mean cheaper insurance rates.

Vehicle Tested Overall Frontal Side Rollover
2020 Subaru Forester SUV AWD 5 stars 5 stars 5 stars 4 stars
2019 Subaru Forester SUV AWD 5 stars 5 stars 5 stars 4 stars
2018 Subaru Forester SUV AWD 5 stars 4 stars 5 stars 4 stars
2017 Subaru Forester SUV AWD 5 stars 4 stars 5 stars 4 stars
2016 Subaru Forester SUV AWD 5 stars 4 stars 5 stars 4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Subaru Forester Safety Features

The more safety features you have on your Subaru Forester, the more likely it is that you can earn a discount. The Subaru Forester’s safety features include:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Traction Control
  • Auto-Leveling Headlights
  • Lane Departure Warning
  • Lane Keeping Assist

Subaru Forester Insurance Loss Probability

The lower percentage means lower Subaru Forester car insurance rates; higher percentages mean higher Subaru Forester auto insurance rates. Insurance loss probability on the Subaru Forester fluctuates between each type of coverage.

Insurance Coverage Category Loss Rate
Collision -29%
Property Damage -20%
Comprehensive 8%
Personal Injury -28%
Medical Payment -24%
Bodily Injury -32%
Source: Insurance Institute for Highway Safety
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Subaru Forester Finance and Insurance Cost

If you are financing a Subaru Forester, you will pay more if you purchase Subaru Forester auto insurance at the dealership, so be sure to shop around and compare Subaru Forester auto insurance quotes from the best companies using our FREE tool below.

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Ways to Save on Subaru Forester Insurance

There are many ways that you can save on Subaru Forester car insurance. Below are five actions you can take to find cheap Subaru Forester auto insurance rates.

  • Check Your Subaru Forester Policy Carefully to Ensure All Information is Correct
  • Move to an Area with a Lower Cost of Living
  • Pay Your Subaru Forester Insurance Upfront
  • Move to an Area with Better Weather
  • Apply for Your Full, Unrestricted License as Soon as You’re Eligible

Top Subaru Forester Insurance Companies

Who is the top car insurance company for Subaru Forester insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Subaru Forester auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Subaru Forester offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Compare Free Subaru Forester Insurance Quotes Online

Save on your Subaru Forester car insurance rates by taking advantage of our FREE comparison tool.