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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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Subaru Forester drivers pay an average of $114 per month for auto coverage — almost $40 less than the U.S. national average, according to our research. But that isn’t necessarily a good indicator of what you’ll pay since rates can vary significantly from one driver or insurance company to the next.
Mile Auto offers the lowest average rates for the Forester — just $49 per month. But the best insurer for you will depend on your location, driving history, and coverage needs.
We’ll break down the cheapest insurers and how factors like age, state, and your Forester’s model year affect your insurance costs.
Average Forester premiums range from $56 per month in North Carolina to $289 in New York.
Foresters have advanced safety features like blind-spot detection, rear cross-traffic alert, and driver assistance, which can affect your premium.
Teens pay $216 per month on average for Forester insurance — the highest rate for any age group. Seniors pay just $94 per month.
The average cost to insure your Subaru Forester varies considerably based on your policy type. Liability-only policies typically cost less because they cover only damages or injuries you cause to others. You’ll pay more for full-coverage insurance because it includes liability, collision insurance, and comprehensive coverage, but it protects you and your vehicle from at-fault accidents, theft, and more.
The table below compares the Forester’s average monthly car insurance premiums to the national average, based on Compare.com data.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Subaru Forester | $80 | $147 | $114 |
| All vehicles | $107 | $197 | $152 |
On average, Subaru Forester drivers pay $80 per month for liability-only insurance and $147 per month for full coverage — much less than the national averages.
Next, let’s look at the cheapest car insurance companies for Forester drivers.
Get the cheapest coverage for your Subaru Forester.
No matter the average rate, you always have ways to save money on your car insurance. For example, getting quotes from the cheapest car insurance companies can help you get the most affordable coverage.
In the table below, we’ve compiled the cheapest insurers for the Subaru Forester, based on Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Mile Auto | $49 |
| Travelers | $58 |
| Certainly | $60 |
| Nationwide | $63 |
| Clearcover | $63 |
Mile Auto offers the cheapest average premium, just $49 per month.
But remember that the company with the lowest average rates might not be the cheapest for you. Rates vary based on your driving history, location, and more, so always compare personalized quotes to get the best rate.
In the next section, we’ll break down three of the best car insurance companies for your Forester.
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Getting the cheapest rate possible may not be your top priority. Many drivers are looking for all-around value. That means excellent coverage from a reliable company at an affordable price. With that in mind, we compiled three of the best options for Forester drivers.
Below are our top picks for Subaru Forester car insurance based on rates, coverage options, available discounts, and customer ratings.
Compare.com Rating: 4.88 out of 5
Many coverage choices available
Online policy management
Above-average J.D. Power claims satisfaction rating
Mixed customer reviews
Fewer discounts than competitors
Electric vehicle discount not available
Nationwide provides many optional coverages, including gap insurance, accident forgiveness, vanishing deductibles, and a total loss deductible waiver. It also offers its SmartMiles pay-per-mile insurance program.
While Nationwide gets good J.D. Power customer satisfaction scores in the Southeast and North Central regions, it receives more complaints than average in other parts of the country.
Compare.com Rating: 3.28 out of 5
Cheap rates for high-risk drivers
Can buy policies online
Privacy focused
More expensive for high-mileage drivers
Available in only seven states
F rating from the Better Business Bureau
Mile Auto provides pay-per-mile car insurance. But unlike competitors, it uses odometer readings to price policies instead of tracking you with an app or device.
But customer reviews point out frequent small fees. And it offers policies in only seven states: Arizona, Florida, Georgia, Ohio, Oregon, Tennessee, and Texas.
Compare.com Rating: 4.23 out of 5
Many coverage options and insurance products
Accident forgiveness and minor violation forgiveness
Below-average number of customer complaints
Below-average claims satisfaction ranking
Low customer satisfaction ratings in most regions
Mixed mobile app reviews
Travelers provides car insurance alongside a range of other insurance products, including homeowners, renters, commercial, and pet insurance — making it a great choice for people who want all their policies from one company. You’ll also find a variety of car insurance discounts.
Although Travelers earned top marks for customer satisfaction in New York, it ranks below average in many other regions.
Comparing quotes can save you up to $867.†
Your Forester’s age can significantly affect how much you pay for insurance. That’s because newer cars are usually worth more, making them more expensive to insure than older models.
The table below lists the average monthly insurance premiums and cheapest insurers for the Forester by model year, based on the most recent data from Compare.com.
Forester Model Year | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| 2025 | $151 | Mile Auto | $65 |
| 2024 | $135 | Mile Auto | $58 |
| 2023 | $136 | Mile Auto | $58 |
| 2022 | $148 | Mile Auto | $63 |
| 2021 | $111 | Mile Auto | $48 |
| 2020 | $117 | Mile Auto | $50 |
| 2019 | $120 | Mile Auto | $51 |
| 2018 | $114 | Mile Auto | $49 |
| 2017 | $114 | Mile Auto | $48 |
| 2016 | $107 | Mile Auto | $46 |
| 2015 | $103 | Mile Auto | $44 |
As expected, newer Foresters typically cost more to insure. Rates fluctuate a bit, but they’re generally lower for older models.
Next, we’ll break down how where you live can influence your Forester’s auto insurance.
Your location plays a major role in how much you pay for car insurance. Each state has its own insurance laws, traffic patterns, accident rates, and weather risks — all of which affect premiums.
For example, some states, like North Carolina and Iowa, offer much cheaper rates than others, like New York or Connecticut.
The table below shows the monthly Forester insurance rates by state, according to Compare.com data.
State | Average Monthly Premium |
|---|---|
| Alabama | $75 |
| Arizona | $100 |
| Arkansas | $144 |
| California | $144 |
| Colorado | $117 |
| Connecticut | $228 |
| Delaware | $139 |
| Florida | $147 |
| Georgia | $149 |
| Idaho | $75 |
| Illinois | $93 |
| Indiana | $81 |
| Iowa | $68 |
| Kansas | $92 |
| Kentucky | $147 |
| Louisiana | $135 |
| Maine | $89 |
| Maryland | $206 |
| Massachusetts | $113 |
| Michigan | $176 |
| Minnesota | $113 |
| Mississippi | $113 |
| Missouri | $110 |
| Montana | $91 |
| Nebraska | $105 |
| Nevada | $179 |
| New Hampshire | $69 |
| New Jersey | $119 |
| New Mexico | $87 |
| New York | $289 |
| North Carolina | $56 |
| North Dakota | $87 |
| Ohio | $76 |
| Oklahoma | $97 |
| Oregon | $96 |
| Pennsylvania | $98 |
| Rhode Island | $86 |
| South Carolina | $164 |
| South Dakota | $73 |
| Tennessee | $84 |
| Texas | $133 |
| Utah | $109 |
| Vermont | $81 |
| Virginia | $108 |
| Washington | $84 |
| District of Columbia | $170 |
| West Virginia | $87 |
| Wisconsin | $76 |
| Wyoming | $73 |
Your age also affects your car insurance rates. Younger drivers typically pay more because they’re more likely to cause car accidents.[1] On the other hand, older drivers have less risk of accidents and pay less for insurance as a result. Rates typically decline as you age, but increase again around your 70s.
The table below shows how your age affects the average monthly insurance rates for the Subaru Forester, plus the cheapest insurer for each group, according to Compare.com data.
Age Group | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Teens | $214 | Mile Auto | $91 |
| Adults | $104 | Mile Auto | $44 |
| Seniors | $94 | Mile Auto | $37 |
Teen drivers pay the highest average rates, while seniors pay the lowest. By maintaining a clean driving record, young drivers can keep rates low and ensure their premiums continue decreasing with age.
Your driving record also affects how much you pay for car insurance. Insurers charge you higher rates if you have speeding tickets, accidents, or DUIs on your driving record.
The table below shows Subaru Forester insurance rates for different driving records and the cheapest company for each, according to data from Compare.com.
Driving Record | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Clean record | $114 | Mile Auto | $49 |
| Speeding ticket | $158 | Mile Auto | $67 |
| At-fault accident | $164 | Mile Auto | $70 |
| DUI | $187 | Mile Auto | $80 |
Even a single speeding ticket can cause your rates to jump significantly. But a DUI can increase your premium even more — 64% for the average Forester owner. But Mile Auto offers the cheapest average rates, even for higher-risk Forester drivers.
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Your Subaru Forester’s features can also influence your insurance costs. For example, safety features can reduce your risk of accidents and may reduce your rates. Some Forester options that can affect your insurance include:
EyeSight driver assist technology: This suite includes adaptive cruise control, lane assist, and pre-collision braking, which can lower accident rates but may also increase repair costs.[2]
All-wheel drive (AWD): Standard on all Forester models, AWD improves traction and stability but costs more to repair, increasing your premium.
Blind-spot detection and cross-traffic alert: These safety add-ons can help avoid accidents and may lower your rates.
Anti-theft system: Standard or upgraded theft-deterrent systems may earn you discounts.
Touchscreen: Multimedia systems can be expensive to repair or replace, likely increasing your rates.
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You have many options when it comes to lowering your monthly premium, including:
Raise your deductible. Increasing your insurance deductible can lower your monthly premium. But you’ll pay more out of pocket if you file a claim, so make sure you can cover the cost.
Install an anti-theft device. Alarms and immobilizers may qualify you for anti-theft discounts.
Drive less. You could save with low-mileage or pay-per-mile insurance options if you have a short commute.
Buy an older model. Older Foresters typically cost less to insure due to their lower values and repair costs.
Shop around. Rates change frequently, so comparing car insurance quotes at least once per policy term helps you get the best deal.
Compare quotes from top insurers and save.
Below, we’ve answered some of the most common questions about Subaru Forester insurance to help you better understand your coverage options and costs.
Not really. Subaru Forester drivers pay an average of $114 per month for car insurance — cheaper than the national average for all vehicles, according to Compare.com data. But your actual rate will vary based on factors like your age, location, driving history, and coverage level.
Mile Auto offers the cheapest average rates for Forester drivers, with premiums as low as $49 per month for drivers with clean records, according to our data.
The 2025 Subaru Forester costs an average of $151 per month to insure, according to Compare.com data. Newer models typically cost more due to their higher value and repair costs.
The Forester is the cheapest Subaru to insure, with an average monthly premium of $114, according to Compare.com data. Insurance rates vary by model due to differences in safety features, repair costs, and vehicle value.
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.
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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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