Average Subaru Forester Car Insurance Cost for 2026

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The average cost to insure a Subaru Forester in 2026 is $2,377 per year for full coverage. Insurance rates vary depending on factors like driver age, location and insurer. The Subaru Forester, one of the 25 best-selling vehicles in the U.S., remains a popular choice among drivers, according to Kelley Blue Book.

Car ownership is a major expense. The average new car buyer paid $49,191 in January, according to Kelley Blue Book. This is slightly lower than the previous month’s record but still higher than a year ago, making it important to understand insurance costs when budgeting for a vehicle.

Updated with latest data

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How much does it cost to insure Subaru Forester?

The average cost to insure a Subaru Forester is $2,377 per year for full coverage. That’s $660 less compared to the national average of $3,037. Full coverage typically includes liability, comprehensive and collision insurance, which costs significantly more than liability-only policies.

How much you pay for car insurance depends on several factors, including the vehicle’s make, model and trim level, as well as the driver’s age, location, driving record and homeowner status. Insurers use these variables to estimate the likelihood and cost of future claims.

The table below shows the average annual and monthly cost of full coverage insurance for a Subaru Forester.

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Table

Annual Premium	Monthly Premium
$2,377	$198

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Subaru-Forester insurance cost

$198 per month

$2,377 per year

How does age affect Subaru Forester insurance costs?

Insurance rates for a Subaru Forester vary significantly by age. Younger drivers typically pay the highest premiums because insurers consider them higher-risk due to limited driving experience and higher accident rates.

For example, the average cost for an 18-year-old to insure a Subaru Forester is $7,563 per year for full coverage.

The table below shows the average yearly and monthly insurance rates for an 18-year-old driving a Subaru Forester.

How much does Subaru Forester insurance cost by state?

On average, full coverage insurance for a Subaru Forester costs $2,377 per year nationwide, but rates can differ significantly from one state to another. The cost to insure a Subaru Forester depends on more than just the car itself. Where you live plays a major role – state insurance laws, local accident rates, repair costs and claim trends in your area can all push your premium up or down significantly.

The table below shows the average annual and monthly costs to insure a Subaru Forester in each state.

Which states have the highest Subaru Forester insurance rates?

Where you live is one of the biggest factors in what you pay to insure a Subaru Forester. States with high accident rates, expensive medical costs and dense urban traffic consistently rank among the most expensive for car insurance.

Which states are the cheapest Subaru Forester insurance rates?

The cheapest states for car insurance tend to have lower accident rates, less traffic congestion and more competitive insurance markets keep premiums below the national average.

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How much does Subaru Forester insurance cost by city?

Car insurance rates for a Subaru Forester also vary based upon your location. In the top 10 U.S. cities (by population), rates for a Subaru Forester range from $2,631 per year in Chicago, IL to $5,906 per year in New York, NY. See more rates in the top 10 cities in the table below.

How much does Subaru Forester insurance cost by company?

Insurance rates for a Subaru Forester can also differ depending on the insurance company. Each insurer uses its own pricing model to evaluate risk, so one company may charge more or less than another for the same driver and vehicle. Because of these differences, it’s a good idea to compare quotes from several insurers before choosing a policy.

“Insurance premiums vary by vehicle model and trim level because insurance companies use this information to predict the risk of the driver and potential financial loss, and hence the risk to the insurer,” says Jim Brau, Joel C. Peterson professor of finance at Brigham Young University’s Marriott School of Business. “Certain models and trims – for example, a brand-new fire-engine red convertible sports car – turn out to be more risky to the insurance company than a 15-year-old sedan that can barely top out at 65 mph.”

See insurance rates for a Subaru Forester from several insurers in the table below.

Average Subaru Forester insurance rates by model year

The model year of a Subaru Forester also influences how much you pay for insurance. Newer models often cost more to insure because they’re worth more and can be more expensive to repair or replace after an accident. Older versions may have lower premiums, although they might lack newer safety features that sometimes qualify for insurance discounts.

The table below shows the average annual insurance cost for each Subaru Forester model year, so you can compare how premiums change over time.

How does insurance cost vary by make and model?

Car insurance rates vary by make and model. In general, cars that are more expensive – think luxury vehicles, EVs and sports cars – are more expensive to insure. Cars with smaller engines and a lot of safety features are cheaper to insure.

See the average annual full coverage rates for the most popular vehicles in the table below.

Which body styles are cheaper or more expensive for car insurance?

Sedans tend to be more expensive to insure than trucks or SUVs for several reasons – they’re a higher theft risk and they’re smaller than SUVs and trucks, so they are more likely to be damaged in a crash with a larger vehicle.

Below, see annual rates for full coverage for sedans, SUVs and trucks.

How does my car’s trim level affect car insurance?

A car’s trim level can significantly impact insurance rates due to the varying features of each package. Higher trim levels often include powerful engines and luxury options that could increase the vehicle’s value and the cost to insure it.

“Some models and trims are more expensive to replace or repair – another reason the premium on them is higher. It all comes down to estimating the risk of future payout from the insurance company,” Brau says. “Models and trims that historically have been more expensive to insurance firms will carry with them higher car insurance rates.”

Additionally, advanced safety features in upper trim levels may lower rates, while customizations and added performance capabilities typically raise them due to higher repair costs. Insurers consider all these factors when determining premiums, making the trim level a crucial variable in the cost of car insurance.

See the trim levels of a Subaru Forester and their full coverage premiums in the table below.

How to save on car insurance for a Subaru Forester

Drivers can lower the cost of insuring a Subaru Forester by adjusting coverage, improving their risk profile and taking advantage of insurer discounts. Comparing quotes regularly and maintaining a clean driving record are two of the most effective ways to reduce premiums.

Here are several ways to save on Subaru Forester insurance:

• Compare quotes before every renewal. Rates vary widely between insurers, so shopping around every six to 12 months is one of the easiest ways to make sure you’re not overpaying.
• Raise your deductible if you have savings to back it up. A higher deductible lowers your monthly premium. Just make sure you could comfortably cover that amount out of pocket if you needed to file a claim.
• Keep your driving record clean. Accidents and traffic violations can follow you for years and push your premium up significantly. A clean record is one of the best long-term ways to keep costs down.
• Bundle your home and auto insurance. Most insurers offer a meaningful discount when you combine policies, and it simplifies managing your coverage.
• Know how your credit affects your rate. Insurers in many states use credit-based insurance scores to help set premiums. Paying bills on time and reducing debt can have a real impact on what you pay.

What discounts are available for Subaru Forester insurance?

Certain safety features can mean significant savings. From anti-lock brakes to airbags and even high-tech systems like lane departure warnings, the safer your car is, the less you’ll likely pay for insurance.

In addition to vehicle discounts, drivers may qualify for the following discounts:

• Telematics discounts
• Multiple policies
• Loyalty
• Good driver/safe driver
• Good student
• Savings for driving less/low annual mileage
• Senior discount
• Educational/professional discounts
• Signing early/paying in full
• Paperless/autopay

What our expert says

Q: Why do car insurance rates vary by vehicle model and trim level?

Dr. James BrauJoel C. Peterson Professor of Finance Brigham Young University

“Insurance premiums vary by vehicle model and trim level because insurance companies use this information to predict the risk of the driver and potential financial loss, and hence the risk to the insurer. Certain models and trims – for example, a brand-new fire-engine red – convertible sports car, turn out to be more risk to the insurance company than a 15-year-old sedan that can barely top out at 65 mph. Some models and trims are more expensive to replace or repair – another reason the premium on them is higher. It all comes down to estimating the risk of future pay out from the insurance company. Models and trims that historically have been more expensive to insurance firms will carry with them higher car insurance rates.”

Resources & Methodology

Methodology

Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for 2025 vehicle models.

Rates are based on a hypothetical driver who is a 40-year-old male with a clean driving record and good credit, who commutes 12 miles to work each day and drives 10,000 miles annually.

The driver carries 100/300/100 liability coverage ($100,000 for injury liability per person, $300,000 for all injuries per accident and $100,000 for property damage) with a $500 deductible for collision and comprehensive coverage.

Quotes include uninsured and underinsured motorist coverage, as well as personal injury protection (PIP) or medical payments coverage where required by state law.

Rates were calculated across 51 states, 29,159 cities and 34,595 ZIP codes, using pricing data from 174 insurance companies grouped into 77 insurer groups.

In total, 15,534,318,960 insurance quotes were analyzed across 1,549 vehicle make and model combinations.

The national average premium is $3,037 per year.

Rates are averaged across insurers and locations and are intended for comparative purposes only. Actual premiums will vary depending on individual factors such as location, driving history, credit profile and coverage selections.

Alisha Ambre

 

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Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.