If you’re wondering how much it will cost to insure your Subaru Forester in 2025, you’re in the right place. Insurance rates for the Subaru Forester vary based on your location, driving record and model year.
The average annual cost to insure a 2023 Subaru Forester is $2,015. However, this rate can vary depending on the model year. For example, a 2021 Forester might cost around $1,878 annually, while a 2018 model could be more affordable at $1,771 per year.
This guide will break down the costs and provide helpful tips for getting the best insurance rates for your Subaru Forester.
What is the cost to insure your Subaru Forester in 2025?
The average cost to insure a Subaru Forester is $168 per month, or $2,013 per year for a full coverage policy. However, your actual rate may differ depending on factors like your age, where you live, the level of coverage you choose, your driving history and the insurance company.
Your rates may be higher if you’re a young driver or have a history of accidents. On the other hand, experienced drivers with a clean driving record might pay lower premiums for the same policy. Other factors, such as your state and ZIP code, also influence premiums. Insurance costs also vary by state and ZIP code.
Use the tool below to know car insurance costs based on your state and the car’s make and model.
Insurance rates by car model
Check out our detailed guide on car insurance rates by car model
Which companies offer the cheapest rates for Subaru Forester
Nationwide offers the cheapest car insurance rates for Subaru Forester at an average annual cost of $1,444 a year or $120 monthly, based on CarInsurance.com’s rate analysis.
The table below highlights top insurance providers with the best rates for your Subaru Forester
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Nationwide | $1,444 | $722 | $120 |
| Geico | $1,601 | $800 | $133 |
| State Farm | $1,710 | $855 | $142 |
| Progressive | $2,147 | $1,073 | $179 |
| Allstate | $2,483 | $1,242 | $207 |
| Farmers | $2,828 | $1,414 | $236 |
Explore our expert guide to the cheapest cars to insure in 2025
Compare Subaru Forester car insurance rates by model year
Generally, newer models have higher insurance rates due to their higher market value and repair costs. For instance, insuring a 2023 Subaru Forester will likely be more expensive than insuring a 2019 model. However, older models might not have the latest safety features, which can also influence rates.
The table below shows the average annual insurance costs for various model years of the Subaru Forester, helping you understand how insurance premiums vary with the car’s age.
| Model year | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| 2014 | $1,576 | $788 | $131 |
| 2015 | $1,627 | $813 | $136 |
| 2016 | $1,656 | $828 | $138 |
| 2017 | $1,690 | $845 | $141 |
| 2018 | $1,771 | $885 | $148 |
| 2019 | $1,801 | $901 | $150 |
| 2020 | $1,829 | $914 | $152 |
| 2021 | $1,878 | $939 | $156 |
| 2022 | $1,946 | $973 | $162 |
| 2023 | $2,015 | $1,008 | $168 |
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Subaru Forester car insurance rates for different trims
A Subaru Forester’s trim level can significantly affect insurance costs. Trims vary in features, safety equipment and overall cost, contributing to different insurance premiums.
For example, higher trims like the Forester Touring, which come with premium features and advanced technology, tend to have higher insurance rates than the base model due to the higher replacement and repair costs.
The table below shows the average yearly insurance costs for different trims of the Subaru Forester.
| Vehicle trim | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Forester | $1,958 | $979 | $163 |
| Forester Premium | $1,969 | $984 | $164 |
| Forester Sport | $1,974 | $987 | $164 |
| Forester Limited | $2,057 | $1,028 | $171 |
| Forester Wilderness | $2,091 | $1,045 | $174 |
| Forester Touring | $2,107 | $1,054 | $176 |
Subaru Forester insurance rates: State-by-state breakdown
The cost to insure a Subaru Forester can vary widely from state to state due to differences in state laws, average repair costs and car theft or accident rates.
Find the Subaru Forester car insurance rates for different states in the table below.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $1,791 | $896 | $149 |
| Alabama | $1,914 | $957 | $159 |
| Arkansas | $2,143 | $1,072 | $179 |
| Arizona | $1,941 | $970 | $162 |
| California | $2,368 | $1,184 | $197 |
| Colorado | $2,654 | $1,327 | $221 |
| Connecticut | $2,044 | $1,022 | $170 |
| Washington, D.C. | $2,348 | $1,174 | $196 |
| Delaware | $1,920 | $960 | $160 |
| Florida | $2,437 | $1,218 | $203 |
| Georgia | $2,328 | $1,164 | $194 |
| Hawaii | $1,349 | $674 | $112 |
| Iowa | $1,718 | $859 | $143 |
| Idaho | $1,258 | $629 | $105 |
| Illinois | $1,941 | $970 | $162 |
| Indiana | $1,779 | $889 | $148 |
| Kansas | $2,143 | $1,071 | $179 |
| Kentucky | $2,453 | $1,227 | $204 |
| Louisiana | $3,395 | $1,698 | $283 |
| Massachusetts | $1,704 | $852 | $142 |
| Maryland | $1,806 | $903 | $151 |
| Maine | $1,378 | $689 | $115 |
| Michigan | $2,715 | $1,357 | $226 |
| Minnesota | $2,125 | $1,062 | $177 |
| Missouri | $2,340 | $1,170 | $195 |
| Mississippi | $2,173 | $1,086 | $181 |
| Montana | $2,219 | $1,110 | $185 |
| North Carolina | $1,641 | $821 | $137 |
| North Dakota | $1,815 | $908 | $151 |
| Nebraska | $2,236 | $1,118 | $186 |
| New Hampshire | $1,452 | $726 | $121 |
| New Jersey | $2,015 | $1,007 | $168 |
| New Mexico | $2,121 | $1,061 | $177 |
| Nevada | $1,993 | $996 | $166 |
| New York | $1,469 | $735 | $122 |
| Ohio | $1,503 | $752 | $125 |
| Oklahoma | $2,311 | $1,155 | $193 |
| Oregon | $1,887 | $943 | $157 |
| Pennsylvania | $2,186 | $1,093 | $182 |
| Rhode Island | $2,236 | $1,118 | $186 |
| South Carolina | $1,885 | $942 | $157 |
| South Dakota | $2,525 | $1,263 | $210 |
| Tennessee | $2,262 | $1,131 | $188 |
| Texas | $2,967 | $1,484 | $247 |
| Utah | $1,625 | $813 | $135 |
| Virginia | $1,485 | $742 | $124 |
| Vermont | $1,436 | $718 | $120 |
| Washington | $1,727 | $863 | $144 |
| Wisconsin | $1,576 | $788 | $131 |
| West Virginia | $1,808 | $904 | $151 |
| Wyoming | $2,054 | $1,027 | $171 |
How your age impacts Subaru Forester insurance rates
Drivers under 25 often see higher insurance rates due to their inexperience and higher risk of car accidents. As individuals age and get more experience behind the wheel, their rates usually drop. However, for older drivers, insurance costs can increase again due to age-related risks.
According to the National Highway Traffic Safety Administration (NHTSA) Young Drivers Traffic Safety Facts, 2,034 drivers aged 15 to 20 lost their lives in traffic accidents in 2022.
The table below outlines the average annual insurance rates for different age groups.
| Age | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Teens | $7,188 | $3,594 | $599 |
| Adults | $2,013 | $1,007 | $168 |
The bottom line
It’s essential to know how much it will cost to insure your Subaru Forester so you can plan your budget. Insurance rates can vary based on the car’s age, model, year, trim and your location.
You can keep costs down by maintaining a clean driving record, taking advantage of available discounts and reviewing your insurance policy at least once a year. This way, you can have the coverage you need without paying too much.
Resources & Methodology
Sources
Insurance Information Institute. “Facts + Statistics: Teen drivers.” September 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to calculate average auto insurance rates for 1,661 car models to help drivers compare coverage costs. Rates reflect national averages based on a standard driver profile with full coverage, typical commute distance, and annual mileage.
The average rates are based on a 40-year-old male driver with 100/300/100 liability limits and a $500 deductible for collision and comprehensive coverage, commuting 12 miles to work daily and driving 10,000 miles annually.
Read the detailed methodology for more information.
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