Cost of Subaru Forester Car Insurance (2024)

Subaru owners pay an average monthly cost of $83 for liability insurance and $169 for full-coverage insurance on their Forester. Insurers take many factors into account when setting your price, including your car’s age and condition, your age and marital status, education level, credit history, driving record, location, and more.

Foresters are a favorite of a wide variety of drivers thanks to their high safety ratings, reliability, performance, and affordability. Foresters cost a similar amount as compact SUV competitors like the Honda CR-V. Your Forester’s make and model will affect your insurance premium, but comparing multiple companies can help you secure the cheapest rates.

Cost of Subaru Forester insurance

Car insurance companies typically charge Subaru Forester drivers a monthly average rate of $83 for liability coverage and $169 for full coverage.

If you’re looking for the cheapest insurance, USAA has the lowest rates. But the company only offers coverage for military members and their families. Otherwise, State Farm is your best bet.

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2023 Subaru Forester insurance

The MSRP on a new 2023 Subaru Forester is $27,620.^[2] The following table shows the typical car insurance rates that insurers offer for these new Subarus:

2022 Subaru Forester insurance

Moving back to older models, a 2022 Subaru Forester cost $27,070 as a brand-new vehicle.^[3] Here’s how companies are pricing insurance rates on these cars:

2021 Subaru Forester insurance

Buying one of these cars in 2021 would set you back $25,845.^[4] Today, Subaru Forester insurance costs for these model years are as follows based on insurance quotes from Insurify:

2020 Subaru Forester insurance

Buying a vehicle model from the 2020 design year would cost $25,505.^[5] Insurers typically charge auto insurance premiums in line with the following table:

2019 Subaru Forester insurance

When it was new, a typical 2019 Subaru Forester retailed for $25,270.^[6] If you have this model year, here’s a breakdown of insurance costs with different insurers:

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Subaru Forester car insurance coverages

It may be tempting to choose the bare-minimum amount of coverage in order to get the lowest car insurance costs, but make sure you consider other options, too. The top insurance companies may offer these options for a reasonable rate, and they could really protect you in the event of a major accident.

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  Liability coverage

  Every state except New Hampshire requires a certain amount of property damage and bodily injury liability insurance. This helps pay for any damage you cause, but it won’t cover your car. Since liability coverage doesn’t extend to your vehicle, it’s typically available for the lowest cost from most insurers.

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  Full coverage

  By adding comprehensive and collision coverage to a minimum-coverage policy, a full-coverage policy comes with higher insurance premiums, but you’ll get the best protection for your Subaru vehicle. If you finance or lease your vehicle, your lender will probably require you to have this coverage to protect its investment.

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  Roadside assistance coverage

  Subaru Foresters consistently appear in rankings of the most reliable cars with abundant safety features, but that doesn’t make them immune to problems — particularly if your drive takes you places you can’t get back out of. That’s where a roadside assistance policy can help at a relatively low cost.

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  Uninsured/underinsured motorist coverage

  It’s a good idea to consider an uninsured/underinsured motorist policy, which protects you if someone who doesn’t have enough coverage or is driving without an insurance policy hits you.

Subaru Forester insurance FAQs