Is a Subaru Forester expensive to insure?

Compared to the national average cost of car insurance across all vehicles, average Subaru Forester auto insurance premiums are 16 percent less for full coverage and 6 percent less for minimum coverage. Put simply, Subaru Forester rates are typically more affordable than coverage for other types of vehicles. However, your rate may be higher or lower than average based on factors like your age, driving record, ZIP code and more.

Do Subarus have higher insurance rates?

Specifics can vary between models and even drivers, but in general, Subarus are known for relatively affordable auto insurance rates. The company aims to produce rugged, durable vehicles that operate with comfort and reliability; however, the Forester, at least, has higher-than-average repair costs. The Forester, like many Subaru models, also performs well on crash ratings. Generally, higher safety ratings contribute to lower insurance costs, while higher repair costs have the opposite effect. What you end up paying for Subaru car insurance could vary significantly based on your vehicle model and features, in addition to your driving record, exact location, the carrier you select and more.

How can I save money on Subaru Forester insurance?

There are several ways to potentially reduce Subaru Forester car insurance costs. The first thing to consider is whether your current carrier offers any auto insurance discounts for which you may be eligible. Auto insurance companies often provide discounts based on good driving, bundling policies, claims-free periods and more. You may also be able to sign up for a telematics, or usage-based, insurance program if your carrier offers one. In some cases, lowering your Subaru Forester insurance rates may require switching to a different carrier. For instance, if you have infractions on your record that are driving up your rates, some insurance companies tend to offer lower rates than others for such drivers.

Car insurance for Subaru Forester

How much does it cost to insure a Subaru Forester?

The average cost of car insurance for a Subaru Forester is $ per month for full coverage and $ per month for minimum coverage. For comparison purposes, the average cost nationwide of full coverage is $225 per month. Minimum coverage (also called liability-only) averages $68, according to data sourced from Quadrant Information Services.

Auto insurance rates fluctuate depending on several vehicle- and driver-specific factors. For instance, the safety of a vehicle, as determined by available safety features and crash test ratings, often has a notable impact on insurance rates. The cost of parts and repairs also matters. Other factors like your driving record, age, marital status, ZIP code, credit history and more are considered, as well. As a result, the amount each individual driver pays for Subaru Forester car insurance can vary significantly.

$2,261 Avg annual full coverage
insurance premium

$771 Avg annual min coverage
insurance premium

Manufacturer’s suggested retail price (MSRP): $29,995

Trims available: Base, Premium, Premium Hybrid, Sport, Sport Hybrid, Wilderness, Limited, Limited Hybrid, Touring and Touring Hybrid

Repair costs

The Subaru Forester has an annual average repair cost of $632. The two most commonly reported repairs are for a front O2 sensor recall and a failed catalytic converter. The repair costs are somewhat above average, which could contribute to higher car insurance rates.

Safety features

The 2025 Subaru Forester comes equipped with a range of safety features, including driver assistance technology, pre-collision braking and throttle management and adaptive cruise control, as well as numerous optional features. Which safety features are included will depend on the trim.

Crash ratings

The 2025 Subaru Forester received a good crash rating in every category except for one subsection of crashworthiness, where it scored an acceptable rating on one of the frontal collision sections. The vehicle's overall high crash ratings may help keep insurance premiums lower, as these ratings indicate a lower likelihood of injury in the event of a collision.

Cheapest car insurance companies for a Subaru Forester

When searching for the best and most affordable car insurance for a Subaru Forester, it's essential to obtain quotes from multiple insurance companies. Because car insurance quotes are highly personalized, these estimates are often the best way to see what a carrier would charge you for coverage. While Bankrate can compile average rates for vehicles and specific carriers, the actual premiums charged to individual drivers can vary significantly.

The table below covers average rates for this vehicle from a range of top carriers, each chosen for having low average rates without sacrificing coverage options, discount variety, customer satisfaction or financial strength.

How much does it cost to insure a Subaru Forester?

The rates below reflect average premiums for the Subaru Forester from several carriers.

2023 Subaru Forester car insurance premium by carrier


Nationwide	$1,443	-818
Auto-Owners	$1,630	-631
Travelers	$1,785	-476
Progressive	$1,797	-464
USAA	$2,064	-197

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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Powered by Coverage.com (NPN: 19966249)

Advertising disclosure

This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Insurance disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Other car insurance coverage for a Subaru Forester

Sticking with minimum liability coverage may keep your premiums lower, but it could ultimately put you in an expensive situation. In the event of a serious accident that results in totaled vehicles or serious injuries, minimum coverage might not be enough to cover the resulting damages, meaning the at-fault driver would be required to pay the difference out of pocket. Additionally, there are numerous situations, such as weather-related damage, where minimum coverage simply won't apply. This is because minimum coverage is solely designed to pay for the other driver's damage and injuries should you cause an accident. If you want coverage for your own repairs and medical bills, then you'll have to look beyond basic liability.

These are some of the reasons why experts recommend carefully considering your auto insurance needs and limits before settling for minimum coverage. The list below highlights some Subaru Forester insurance options that can be added to your policy for broader financial protection:

Collision: Covers damage to your vehicle in the event of a collision, even if it isn't with another car.
Comprehensive: Covers non-collision damage like vandalism, theft, falling debris and more.
Gap insurance: Helps cover the difference between your insurance payout (which factors in depreciation) and the remaining balance on your car loan in the event your vehicle is totaled.
Roadside assistance: Provides a range of services available at all hours, often including towing, tire inflation, fuel refills, windshield repairs and more.

How to get a Subaru Forester car insurance quote

You can get an insurance quote for your car online, over the phone or in person, depending on the insurer. If you're in the market for a new vehicle, comparing quotes before you sign on the dotted line can help you determine how different models would fit into your budget. Here’s a step-by-step guide to gathering and comparing quotes:

Gather personal details: You’ll likely be asked to provide your name, address, date of birth and driver’s license number, as well as the make, model and year of your car — and potentially the vehicle identification number (VIN). If you haven't purchased a car yet, you may be able to get sample quotes by providing an agent with the make and model.
Use online quote tools: To expedite the process of shopping around, you might consider using comparison websites or apps that allow you to get quotes from multiple insurers at once. Alternatively, go directly to insurance company websites and use their online quote tools to receive personalized quotes.
Provide driver details and mileage: You could be asked for specific details about your vehicle, including add-on features or modifications. You might also need to provide your average annual mileage and how the vehicle is primarily used (e.g., for business purposes or personal use). Additionally, you’ll need to provide accurate information about all drivers who will be covered by the policy, including their driving history, age and relationship to you.
Review quotes: Compare the quotes you receive, paying attention to coverage options, limits, deductibles and overall cost. Insurance experts also recommend reviewing customer service scores, financial strength ratings, digital tools and customer reviews to get a holistic view of how a carrier will meet your needs.
Select carrier and apply: Choose the insurance policy that best fits your needs and budget. Complete the application process by providing any additional required information and making your first premium payment.

Compare Subaru Forester with other similar cars

Subaru Forester Avg annual full coverage premium $2,261 Read More	Honda CR-V Avg annual full coverage premium $2,270 Read More	Ford Escape Avg annual full coverage premium $2,442 Read More
Price (MSRP)
$29,995	$30,100	$29,515
NHTSA Safety rating The NHTSA uses a 5-star rating program to evaluate how vehicles perform in crash tests based on frontal, side and rollover collisions.
5 stars	5 stars	5 stars
Gas mileage
26-33 mpg	36-43 mpg	27-34 mpg
IIHS/HLDI Collision insurance losses The IIHS and HLDI collect data on how insurance losses for specific models compare to the average for all passenger vehicles. These results are adjusted for deductible and specifically for collision claim losses.
Substantially better than average	Substantially better than average	Average

Frequently asked questions

Compared to the national average cost of car insurance across all vehicles, average Subaru Forester auto insurance premiums are 16 percent less for full coverage and 6 percent less for minimum coverage. Put simply, Subaru Forester rates are typically more affordable than coverage for other types of vehicles. However, your rate may be higher or lower than average based on factors like your age, driving record, ZIP code and more.
Specifics can vary between models and even drivers, but in general, Subarus are known for relatively affordable auto insurance rates. The company aims to produce rugged, durable vehicles that operate with comfort and reliability; however, the Forester, at least, has higher-than-average repair costs. The Forester, like many Subaru models, also performs well on crash ratings. Generally, higher safety ratings contribute to lower insurance costs, while higher repair costs have the opposite effect. What you end up paying for Subaru car insurance could vary significantly based on your vehicle model and features, in addition to your driving record, exact location, the carrier you select and more.
There are several ways to potentially reduce Subaru Forester car insurance costs. The first thing to consider is whether your current carrier offers any auto insurance discounts for which you may be eligible. Auto insurance companies often provide discounts based on good driving, bundling policies, claims-free periods and more. You may also be able to sign up for a telematics, or usage-based, insurance program if your carrier offers one. In some cases, lowering your Subaru Forester insurance rates may require switching to a different carrier. For instance, if you have infractions on your record that are driving up your rates, some insurance companies tend to offer lower rates than others for such drivers.

Bankrate utilizes Quadrant Information Services to analyze November 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:

40 year old

Single male and female driver

2023 Toyota Camry

Primary vehicle

Good credit score

Clean driving record

Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Other profiles

Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.