Updated: January 15, 2025
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The cost of car insurance for a Subaru Forester will depend on your age and car model year. For example, a 40-year-old driver of a 2009 model pays an average of $1,134 annually for insurance, while a 16-year-old driver pays $5,212 per year. For a 2022 model, a 40-year-old pays around $1,291 annually, and a 16-year-old pays around $5,777 per year.
MoneyGeek also evaluated insurers based on both their cost and quality of service to identify the best car insurance options.
When looking for affordable car insurance for a Subaru Forester, it’s crucial to balance cost with quality of service. Based on the provided data, here are the most affordable options for both full and minimum coverage:
Full Coverage:
- State Farm: Offers the cheapest full coverage at an average of $1,013 annually. State Farm is highly ranked for its affordability and customer satisfaction, making it the best choice for budget-conscious Subaru Forester drivers.
- GEICO: Another affordable option with an average premium of $1,044 per year, slightly more than State Farm, but still competitive.
Minimum Coverage:
- State Farm: Again, State Farm provides the most affordable rates for minimum coverage, with an annual premium of $451. This makes it an ideal choice for those seeking to minimize their insurance expenses while still maintaining the necessary coverage.
Considerations for Different Model Years and Ages:
- For a 2009 Subaru Forester, State Farm offers rates at $897 annually, reflecting affordability even in older models.
- Nationwide presents a competitive rate for a 2022 model at $1,035 annually, although State Farm remains the overall more affordable choice across different model years.
Teen Drivers:
- For 16-year-olds driving a 2022 Subaru Forester, State Farm offers the most budget-friendly option at $3,415 annually. This rate is significantly lower than competing offers, with Farmers being the most expensive at $8,106.
Overall, State Farm consistently emerges as the top provider for Subaru Forester drivers seeking affordability without compromising on service quality. However, it’s always advisable to shop around and compare quotes, especially considering regional differences in premiums across various states. This approach will ensure that you receive the most cost-effective and suited coverage for your specific needs and circumstances.
When considering car insurance for a Subaru Forester, State Farm emerges as the best provider, offering a balanced combination of affordability and quality service. Based on the data provided:
- State Farm has a MoneyGeek score of 90 out of 100.
- Their average annual premium for full coverage is $1,013.
State Farm is noted for its competitive rates and good customer satisfaction, making it an excellent choice for drivers of Subaru Forester models who are seeking quality service without breaking the bank.
Age is a significant factor influencing car insurance premiums, and it greatly affects the cost of insuring vehicles like the Subaru Forester. Generally, younger drivers face higher insurance costs due to their inexperience and a statistically higher likelihood of being involved in accidents. Insurers view younger drivers as higher-risk clients, which results in higher premiums.
Let’s look at how age impacts insurance premiums for a Subaru Forester:
Annual Insurance Costs Based on Age
- 16-Year-Old Driver:
- For a 2009 Subaru Forester, a 16-year-old pays approximately $5,212 annually.
- For a 2022 Subaru Forester, the cost rises to around $5,777 annually. Some of the most affordable plans, such as those offered by State Farm, start as low as $3,415 for a 2022 model.
- 40-Year-Old Driver:
- The annual cost for insuring a 2009 Subaru Forester is about $1,134.
- For a 2022 Subaru Forester, the rate increases slightly to $1,291.
Rate Trends Over Time
- Teenage Years: Insurance premiums are exceptionally high for teenagers, with a 16-year-old paying significantly more. Costs are elevated because this age group is considered high-risk.
- 20s to 30s: As drivers gain more experience, engage in safer driving behaviors, and build a clean driving record, insurance rates typically decrease gradually.
- By 40s: Rates usually stabilize as drivers are deemed more experienced and less likely to make costly claims. At this stage, the premiums are significantly lower compared to when they started driving at age 16.
Decrease in Rates Over Time
- Steady Decrease: Generally, insurance rates decline as drivers move from their teens to their 20s, and even more in their 30s and 40s, as they demonstrate a history of safe driving and accumulate experience. By middle age, premiums are far more affordable, reflecting mature driving habits and lower risk perceptions.
Additional Factors
While age has a major impact on car insurance premiums, it is one of multiple factors considered:
- Vehicle Model and Year: Newer models, like the 2022 Subaru Forester, tend to have higher premiums than older models due to their higher value and replacement costs.
- Insurance Provider: Different providers offer varying rates based on a multitude of factors. For example, State Farm offers competitive rates for both minimum and full coverage.
- Location: Premiums can also vary significantly based on geographic location due to state regulations, crime rates, and risk of accidents.
Recommendations
Insurance premiums for younger drivers, particularly teenagers, can be mitigated by adding them to a family policy rather than purchasing separate individual policies. It’s advised to explore rates across different insurers and consider factors beyond just cost, such as customer service and claims experience, when selecting the best insurance policy.
Why Trust MoneyGeek? We collected thousands of car insurance quotes from Quadrant Information Services to analyze the average rates for a Subaru Forester.
These rates were updated to reflect the average cost of car insurance for a Subaru Forester as of 2023.
On average, it costs $1,261 annually to insure a Subaru Forester, but your premium will depend on the insurance company you choose. The cheapest car insurance for a Subaru Forester is from State Farm, with an average premium of $1,013 per year for full coverage and $451 per year for a minimum coverage policy. The most expensive option for this car is Farmers, with average rates of $1,464 for full coverage and $654 for minimum coverage.
| State Farm | $1,013 |
| GEICO | $1,044 |
| Travelers | $1,147 |
| Nationwide | $1,211 |
| Allstate | $1,304 |
| Progressive | $1,439 |
| Farmers | $1,464 |
Car insurance companies base the rates for a given Subaru Forester on different factors. On average, a Subaru Forester is cheap to insure because of its low value — it has an MSRP of $26,370 — and its relatively low horsepower. Cars with low value cost less to repair, leading to lower insurance rates. Insurers also charge cheaper premiums for vehicles with lower horsepower since they are less likely to be involved in a major accident. Your rates will still depend on many other factors, like your car’s model year, your age and the insurance company you insure with.
While cost is an important consideration when choosing car insurance, it should not be the sole determining factor. The best car insurance companies also offer excellent service and claims experience. Based on our analysis, these are the top-ranking companies for Subaru Forester car insurance:
State Farm ranked first for affordability and second for customer satisfaction, making it an excellent choice for Subaru Forester drivers seeking the most affordable rates combined with good customer service.
Cheapest option for a Subaru Forester
Has an excellent customer satisfaction score
Offers limited coverages
Has a low ranking for claims experience
State Farm offers the best overall car insurance for a Subaru Forester, thanks to its affordable rates and highly-ranked customer service. The company also provides a couple of add-on coverages that can benefit Subaru Forester drivers.
The first is rental car services and reimbursement coverage, which helps pay for a car rental up to chosen limits if your Subaru Forester is inoperable or needs repairs. Your coverage begins right away if your car is deemed unsafe, inoperable or is not legal to have on the road. If your car requires repairs, the coverage starts at the same time as the repairs.
State Farm also provides a 24-hour emergency roadside service. This coverage can cover towing, locksmith services, gas delivery, tire changing and other services that your Subaru Forester might need when it breaks down on the road. This is a particularly good option for drivers who have older Subaru Forester models since they can be prone to roadside emergencies.
Offers cheap premiums for a Subaru Forester
Has a good customer satisfaction rating
Provides a wide range of coverage options, including Mechanical Breakdown Insurance (MBI)
Does not offer gap insurance or original equipment manufacturer (OEM) coverage
Has a low rating for claims experience
GEICO is our runner-up pick for Subaru Forester insurance and offers more coverage options than State Farm, although it is slightly more expensive. One less common add-on offered by GEICO is Mechanical Breakdown Insurance (MBI), which can be added to your policy if you drive a new Subaru Forester.
This coverage will pay for repairs to your car after a covered loss, and unlike most standard dealer warranties, MBI can cover all parts of your car without restrictions on where you can have it repaired. This can help you save money after a covered loss, especially if your car needs major repairs.
In addition, you can earn accident forgiveness coverage if you keep a clean driving record for at least five years while insured by GEICO. You can also add it to your policy for an extra fee during application or renewal. Whether you earned it or you’re paying for it, this coverage can help you save money by preventing your rates from increasing after an at-fault accident.
The average cost of insuring a 2009 Subaru Forester is $1,134 annually, whereas insuring a 2022 model costs an average of $1,291 annually. The average cost of car insurance for more recent model years is higher because they have a higher value than older cars that have depreciated.
| 2022 | $1,291 |
| 2021 | $1,270 |
| 2020 | $1,268 |
| 2019 | $1,316 |
| 2018 | $1,341 |
| 2017 | $1,287 |
| 2016 | $1,283 |
| 2015 | $1,257 |
| 2014 | $1,197 |
| 2013 | $1,188 |
| 2012 | $1,155 |
| 2011 | $1,122 |
| 2010 | $1,140 |
| 2009 | $1,134 |
The average cost of car insurance for a Subaru Forester also depends on the insurance company and the car's model year. The cheapest companies are State Farm for a 2009 model ($897 per year) and Nationwide for a 2022 model ($1,035 per year).
| Nationwide | $1,035 |
| GEICO | $1,047 |
| State Farm | $1,084 |
| Travelers | $1,165 |
| Progressive | $1,483 |
| Allstate | $1,509 |
| Farmers | $1,616 |
Younger drivers in their teens and 20s usually pay higher car insurance rates. A 16-year-old driver of a Subaru Forester can expect to pay an average of $5,587 per year for car insurance, while a 40-year-old driver only pays around $1,232 per year. Car insurance for teens becomes more affordable every year, with rates beginning to stabilize as drivers reach their 20s.
Adding a teenage driver to a family plan will allow you to get the cheapest rates since purchasing an individual plan for a teenage driver is significantly more expensive. In most cases, teens under 18 are also legally required to have a parent or guardian cosign in order to purchase an individual policy.
For a 2022 Subaru Forester, the most affordable individual plan for a 16-year-old costs around $3,415 per year from State Farm. The most expensive plan for a 2022 model is from Farmers at $8,106 per year. We recommend shopping around and comparing rates to find the cheapest car insurance for teens.
| State Farm | $3,415 |
| Nationwide | $3,851 |
| Travelers | $4,517 |
| GEICO | $4,789 |
| Allstate | $7,040 |
| Progressive | $7,831 |
| Farmers | $8,106 |
Factors like the model type and year of your vehicle and your age affect the cost of car insurance, but location can be even more important. The cheapest company for a given car can differ depending on the state you live in. For instance, Idaho has the cheapest average premiums, while New York has the most expensive. It's important to explore your options and get quotes from the cheapest companies in your state to make sure you're getting the best rate.
| Alabama | Nationwide | $709 | $59 |
| Alaska | State Farm | $699 | $58 |
| Arizona | Root Insurance Company | $682 | $57 |
| Arkansas | State Farm | $629 | $52 |
| California | AAA California | $1,001 | $83 |
| Colorado | American National P&C | $541 | $45 |
| Connecticut | GEICO | $693 | $58 |
| Delaware | State Farm | $881 | $73 |
| District of Columbia | GEICO | $662 | $55 |
| Florida | State Farm | $1,058 | $88 |
| Georgia | Country Financial | $665 | $55 |
| Hawaii | GEICO | $565 | $47 |
| Idaho | American National P&C | $299 | $25 |
| Illinois | Country Financial | $663 | $55 |
| Indiana | American Family | $555 | $46 |
| Iowa | State Farm | $509 | $42 |
| Kansas | Nationwide | $670 | $56 |
| Kentucky | Nationwide | $790 | $66 |
| Louisiana | Louisiana Farm Bureau | $1,048 | $87 |
| Maine | Concord Group | $521 | $43 |
| Maryland | Progressive | $938 | $78 |
| Massachusetts | State Farm | $483 | $40 |
| Michigan | GEICO | $898 | $75 |
| Minnesota | State Farm | $797 | $66 |
| Mississippi | Direct General Insurance | $723 | $60 |
| Missouri | Nationwide | $909 | $76 |
| Montana | Progressive | $437 | $36 |
| Nebraska | American National P&C | $405 | $34 |
| Nevada | CSAA | $940 | $78 |
| New Hampshire | State Farm | $540 | $45 |
| New Jersey | Plymouth Rock Assurance | $895 | $75 |
| New Mexico | State Farm | $644 | $54 |
| New York | Kemper | $781 | $65 |
| North Carolina | Erie | $630 | $52 |
| North Dakota | American Family | $616 | $51 |
| Ohio | Nationwide | $485 | $40 |
| Oklahoma | State Farm | $662 | $55 |
| Oregon | State Farm | $706 | $59 |
| Pennsylvania | Nationwide | $580 | $48 |
| Rhode Island | State Farm | $700 | $58 |
| South Carolina | American National P&C | $463 | $39 |
| South Dakota | Allstate | $746 | $62 |
| Tennessee | State Farm | $579 | $48 |
| Texas | State Farm | $699 | $58 |
| Utah | Nationwide | $725 | $60 |
| Vermont | State Farm | $493 | $41 |
| Virginia | American Family | $601 | $50 |
| Washington | PEMCO | $534 | $44 |
| West Virginia | Erie | $784 | $65 |
| Wisconsin | GEICO | $556 | $46 |
| Wyoming | State Farm | $745 | $62 |
Subaru Forester drivers looking for auto insurance often have questions or concerns about cost and service quality. Here are answers to some common questions to help you choose the best policy for your needs.
State Farm offers the most affordable car insurance rates for Subaru Forester owners. Its average premiums are $1,013 per year for full coverage and $451 per year for minimum coverage. These rates are considerably lower than the average cost of car insurance for Subaru Foresters, which is $1,261 annually. Keep in mind that various factors can affect your insurance rates, such as your age, driving history and model year. Therefore, your actual rates can be higher or lower than average.
State Farm provides the best car insurance for a Subaru Forester, with a MoneyGeek rating of 90 out of 100. It has high scores for both affordability and customer satisfaction, indicating that it offers a great combination of value and quality. On average, a State Farm policy for a Subaru Forester costs $1,013 per year. However, selecting the best car insurance means knowing what you need and what you prefer. It’s important to research and explore your options before purchasing a policy.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
