+120 more*These quotes are from Compare.com users within the last 10 days. Updated on September 15, 2026
*These quotes are from Compare.com users within the last 10 days. Updated on September 15, 2026
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Professor of Risk Management
25+ years in insurance
Former commercial lines underwriter
Updated
The Subaru Forester costs an average of $119 per month to insure, about 27% less than the national average of $162 for all vehicles.
USAA offers the cheapest coverage, at an average of $61 per month, followed by State Farm at $67 per month.
Strong safety ratings and a lower starting price help keep Forester insurance costs below average.
Auto insurance costs vary considerably depending on your coverage options. Liability-only insurance policies cover bodily injury and property damage you cause to others (plus other state-minimum car insurance requirements).
Full coverage includes collision and comprehensive coverage to protect your vehicle from collision and non-collision damage, such as theft.[1]
The table below shows how average rates for the Subaru Forester vary by insurance policy type, based on Compare.com data.
Vehicle | Average Liability Premium | Average Full-Coverage Premium | Overall Average Premium |
|---|---|---|---|
| Subaru Forester | $89 | $148 | $119 |
| All vehicles | $114 | $210 | $162 |
Forester owners spend $89 on average for liability insurance and $148 per month on full-coverage car insurance, for an overall average of $119 per month. That’s much cheaper than the national average.
In the following sections, we’ll cover the cheapest auto insurers, plus how other factors affect average costs for Forester insurance.
Compare rates from top insurers side by side.
Different car insurance companies offer different rates even for the same car model. Every company evaluates risk differently and uses a unique business model, which affects cost. That’s why it’s important to compare quotes when shopping for insurance.
The table below shows the cheapest auto insurers for the Forester, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $61 |
| State Farm | $67 |
| Allstate | $86 |
| American Family | $92 |
| GEICO | $94 |
| AAA | $103 |
| Nationwide | $111 |
| Progressive | $114 |
| Travelers | $116 |
| Farmers | $132 |
| Liberty Mutual | $157 |
| Amica | $296 |
| User Reviews | 4.2 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.6 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
If you’re eligible for USAA, you’ll have access to one of the best-rated insurers for claims and customer service. You’ll get low rates, a user-friendly website, a well-reviewed mobile app, and a useful perks program that provides discounts for travel, cruises, and more. Plus, you can get up to 30% off when you practice safe driving with SafePilot.
Very high customer and claims satisfaction
Accident forgiveness available
Lower bundling discounts than competitors
Military members and veterans only
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.5 | 3.6 |
| Discounts | 4.3 | 2.9 |
| Policy transparency | 4.3 | 3.1 |
| Value | 4.2 | 2.9 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
You’ll find affordable rates and strong customer service from State Farm, plus a highly regarded mobile app for easy self-management. Save even more with insurance discounts, like up to 25% for good grades or 30% through the Drive Safe & Save telematics program.
Strong claims and customer service satisfaction
19,000 local insurance agents
No gap insurance or accident forgiveness
Higher rates for drivers with poor credit
| User Reviews | 3.7 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 4.3 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 4.4 | 2.9 |
| Policy transparency | 4.2 | 3.1 |
| Value | 4.1 | 2.9 |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Allstate offers below-average auto insurance rates and two usage-based programs to help drivers save even more. Low-mileage drivers can enroll in Milewise, its pay-per-mile option. Other drivers can use Drivewise, a telematics program that rewards safe driving habits.
Great usage-based insurance program
Offers accident forgiveness
Low claims and customer satisfaction scores
Android app may drain battery
Your vehicle’s age affects car insurance rates because cars lose value over time. The cheaper your car, the lower the maximum payout if it’s totaled. This lowers the cost of comprehensive and collision coverage.
Below, you’ll find the average monthly premiums of the Forester by model year, according to Compare.com data. Click through the tabs to find your vehicle’s model year and its average rates.
Forester Model Year | Average Monthly Premium |
|---|---|
| 2026 | $143 |
| 2025 | $144 |
| 2024 | $144 |
| 2023 | $143 |
| 2022 | $143 |
| 2021 | $138 |
| 2020 | $132 |
| 2019 | $129 |
| 2018 | $125 |
| 2017 | $123 |
| 2016 | $119 |
| 2015 | $116 |
| 2014 | $115 |
| 2013 | $109 |
| 2012 | $106 |
| 2011 | $103 |
| 2010 | $101 |
| 2009 | $98 |
| 2008 | $97 |
| 2007 | $95 |
| 2006 | $94 |
| 2005 | $91 |
| 2004 | $89 |
| 2003 | $88 |
| 2002 | $89 |
| 2001 | $89 |
| 2000 | $88 |
Company | Average Monthly Premium |
|---|---|
| State Farm | $80 |
| Allstate | $103 |
| American Family | $110 |
| GEICO | $113 |
| AAA | $124 |
Company | Average Monthly Premium |
|---|---|
| State Farm | $81 |
| Allstate | $104 |
| American Family | $111 |
| GEICO | $114 |
| AAA | $124 |
Company | Average Monthly Premium |
|---|---|
| State Farm | $81 |
| Allstate | $104 |
| American Family | $111 |
| GEICO | $114 |
| AAA | $124 |
Company | Average Monthly Premium |
|---|---|
| State Farm | $81 |
| Allstate | $104 |
| American Family | $111 |
| GEICO | $113 |
| AAA | $124 |
Company | Average Monthly Premium |
|---|---|
| State Farm | $81 |
| Allstate | $104 |
| American Family | $111 |
| GEICO | $113 |
| AAA | $124 |
Company | Average Monthly Premium |
|---|---|
| State Farm | $78 |
| Allstate | $100 |
| American Family | $107 |
| GEICO | $109 |
| AAA | $120 |
Company | Average Monthly Premium |
|---|---|
| State Farm | $74 |
| Allstate | $95 |
| American Family | $102 |
| GEICO | $104 |
| AAA | $114 |
Company | Average Monthly Premium |
|---|---|
| State Farm | $73 |
| Allstate | $94 |
| American Family | $100 |
| GEICO | $102 |
| AAA | $112 |
Company | Average Monthly Premium |
|---|---|
| State Farm | $70 |
| Allstate | $90 |
| American Family | $96 |
| GEICO | $98 |
| AAA | $108 |
Company | Average Monthly Premium |
|---|---|
| State Farm | $69 |
| Allstate | $89 |
| American Family | $95 |
| GEICO | $97 |
| AAA | $106 |
Company | Average Monthly Premium |
|---|---|
| State Farm | $67 |
| Allstate | $86 |
| American Family | $92 |
| GEICO | $94 |
| AAA | $103 |
Company | Average Monthly Premium |
|---|---|
| State Farm | $65 |
| Allstate | $84 |
| American Family | $90 |
| GEICO | $92 |
| AAA | $101 |
Where you live affects car insurance rates. Local claim rates, severe weather events, crime rates, and other factors affect claim risk.[2] When something affects risk, it also influences costs.
Use the map below to find the average cost of Forester car insurance in your state, based on Compare.com data.
State | Average Monthly Premium |
|---|---|
| Alabama | $98 |
| Arizona | $105 |
| Arkansas | $113 |
| California | $128 |
| Colorado | $128 |
| Connecticut | $177 |
| Delaware | $149 |
| Florida | $138 |
| Georgia | $159 |
| Hawaii | $79 |
| Idaho | $65 |
| Illinois | $99 |
| Indiana | $81 |
| Iowa | $67 |
| Kansas | $92 |
| Kentucky | $123 |
| Louisiana | $133 |
| Maine | $87 |
| Maryland | $189 |
| Massachusetts | $94 |
| Michigan | $143 |
| Minnesota | $108 |
| Mississippi | $94 |
| Missouri | $113 |
| Montana | $93 |
| Nebraska | $90 |
| Nevada | $158 |
| New Hampshire | $55 |
| New Jersey | $168 |
| New Mexico | $90 |
| New York | $137 |
| North Carolina | $55 |
| North Dakota | $73 |
| Ohio | $77 |
| Oklahoma | $107 |
| Oregon | $95 |
| Pennsylvania | $100 |
| Rhode Island | $137 |
| South Carolina | $152 |
| South Dakota | $86 |
| Tennessee | $89 |
| Texas | $136 |
| Utah | $93 |
| Vermont | $89 |
| Virginia | $111 |
| Washington | $106 |
| District of Columbia | $196 |
| West Virginia | $92 |
| Wisconsin | $75 |
| Wyoming | $70 |
A driver’s age has a significant effect on car insurance costs. Teenage and young drivers usually pay the highest premiums, but rates drop quickly by the time they reach 30 and steadily as they age. Seniors often pay the lowest rates and sometimes find additional savings through senior discounts.
The next table highlights the average cost of Forester car insurance by driver age, based on Compare.com data.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $228 |
| Adults | $119 |
| Seniors | $102 |
Find the best insurer for your Forester.
Teen drivers and drivers younger than 25 often pay the highest car insurance rates because they have less driving experience. They tend to speed more often and are more likely to be involved in accidents than other age groups.[3] But some companies offer affordable rates even to young drivers.
The table below highlights the cheapest insurers for Forester drivers younger than 25, according to data from Compare.com.
Category | Price |
|---|---|
| State Farm | $107 |
| Allstate | $138 |
| American Family | $147 |
| GEICO | $150 |
| AAA | $165 |
Insurance companies offer cheap rates to senior drivers because they drive less than other age groups. Older drivers also have more experience on the road and cause fewer car accidents. Still, some insurers offer even lower rates to this group.
The next table shows the cheapest car insurance companies for senior Forester drivers, according to Compare.com data.
Category | Price |
|---|---|
| State Farm | $57 |
| Allstate | $73 |
| American Family | $78 |
| GEICO | $80 |
| AAA | $88 |
Another significant factor that affects the cost of car insurance: your driving history. Your past driving behavior strongly predicts how you’ll drive in the future. That’s why drivers with moving violations pay higher rates than drivers with clean driving records — they also miss out on additional savings through safe driving discounts.
The following table shows how that trend plays out, with average premiums for Forester drivers based on their driving record, according to Compare.com data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $119 |
| Speeding ticket | $159 |
| At-fault accident | $170 |
| DUI | $200 |
Speeding not only increases the risk of a car accident but also the severity of the accident.[4] For this reason, car insurance companies view a speeding ticket as a significant risk factor for future claims. Rates rise around 30% after a ticket, according to research from Compare.com. Even so, rate hikes vary, and some insurers will penalize you less than others.
The table below shows the cheapest insurance companies for Forester drivers with a ticket, based on data from Compare.com.
Category | Price |
|---|---|
| State Farm | $83 |
| Allstate | $112 |
| American Family | $120 |
| AAA | $126 |
| GEICO | $126 |
You can expect car insurance rates to rise after an at-fault car accident. That’s because drivers with one accident have both a higher risk of getting into another at-fault accident and making more insurance claims in general. But that doesn’t mean the end of affordability — some insurers will still offer you fair rates.
The next table highlights the cheapest auto insurers for Forester drivers who have been in an accident, according to data from Compare.com.
Category | Price |
|---|---|
| State Farm | $85 |
| Allstate | $112 |
| GEICO | $114 |
| American Family | $120 |
| AAA | $151 |
Unfortunately, a driving under the influence (DUI) conviction tends to raise rates more than a speeding ticket or at-fault accident. That’s because impaired driving plays a role in nearly 30% of accident-related deaths, and drivers with one DUI pose a high risk of driving under the influence again.[5]
But Forester drivers with a DUI can still find cheap car insurance coverage — especially by working with the cheapest insurers for this group listed in the table below, according to Compare.com data.
Category | Price |
|---|---|
| State Farm | $98 |
| Allstate | $126 |
| GEICO | $128 |
| American Family | $135 |
| AAA | $151 |
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Here’s how the Subaru Forester’s specs and features can influence the cost of auto insurance.
Cost: Pricing starts at $31,445, significantly lower than the average new-car MSRP, which may reduce premiums.[6]
Safety features: Advanced safety equipment, such as collision warning, automatic braking, lane departure warning, and more, can reduce the risk of accidents and insurance rates.
Repair costs: Advanced equipment can also raise repair costs, potentially increasing insurance costs.
Safety Rating: The Forester earns a 5-star crash test rating from the National Highway Traffic Safety Administration, which may lower rates.
Engine: The Forester’s smaller engine may stabilize costs.
Compare quotes from top insurers and save.
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You can use several tried-and-tested strategies to lower Forester car insurance rates, including:
Raise deductibles. Higher deductibles usually lower premium costs.
Take a driving course. Passing an approved driver training course can earn you a discount with many insurers.
Bundle policies. Combining auto insurance with renters or homeowners insurance coverage can qualify you for a multi-policy discount.
Improve credit. Drivers with poor credit usually pay higher rates. Even moderate credit improvement can lower costs.
Compare rates often. Regularly comparing car insurance quotes means you’ll never miss a chance for a better rate.
Below are quick answers to the most common questions Forester drivers ask about getting affordable car insurance coverage.
No. The Forester costs less than the national average for all vehicles to insure, according to data from Compare.com. But many factors can affect your personal insurance rates.
USAA offers the lowest average Forester insurance rates, according to Compare.com data. State Farm and Allstate also offer cheaper-than-average premiums.
The average car insurance premium for the 2026 Forester costs $143 per month, based on our research. But State Farm offers the cheapest coverage for this make and model, with an average rate of $80 per month.
The Forester costs the least among all Subaru models to insure, according to data from Compare.com. It’s followed by the Subaru Outback and the Subaru Crosstrek as the next cheapest models.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
)
Professor of Risk Management
25+ years in insurance
Former commercial lines underwriter
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.