How much is insurance on a Subaru Forester?

Priced for the 2024 Forester AWD, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Forester's rank is the same in every state.

Why the Subaru Forester costs what it does

What HLDI reports (2022–24 models, all drivers combined)

The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the Subaru Forester 4dr 4WD with EyeSight, on HLDI's scale where 100 is an average car and lower is better, it reports 64 for crash repairs, 84 for non-crash damage, 63 for damage to others' property, and 55 for injury claims.

• Crash repairs (collision)fixing this car after a crashBetter than average36% better than averagebest of the 26 small SUVs we compare
• Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesAverage16% better than average20th best of the 26 small SUVs we compare
• Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultBetter than average37% better than average2nd best of the 26 small SUVs we compare
• Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costBetter than averagefiled 45% less often than averagebest of the 24 small SUVs we compare

Source: HLDI, insurance losses by make and model, 2022–24 models.

What we estimate that means for price

Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Forester comes out about 30% better than average. We count about 40% of that difference, so the part of the bill that fixes the car is about 13% less than average: about $830 a year vs $950. On the liability side, damage to others and injury claims combine to about 42% better than average. Counting about half would go past the band insurers' own car ratings stay inside, so we hold that part at 20% less than average: $790 a year vs $990.

How the math works

In EPA size classes, the Forester is a small SUV (gas-powered). In Highway Loss Data Institute loss tables, the Subaru Forester is benchmarked against small SUVs.

Matched to HLDI series “Subaru Forester 4dr 4WD with EyeSight” (HLDI, 2022–24 models).

A used Subaru Forester, by model year

One model year per age group. Liability only: no coverage for the car itself. Teen columns: a new 16-year-old. Each row uses the HLDI report that covers that model year.

Model year	Full coverage	Liability only	Adding a teen	Teen on their own policy
2024 Forester AWD (0–3 years old)	about $1,620	about $790	+$1,070	about $4,650
2022 Forester AWD (4–7 years old)	about $1,520	about $790	+$1,000	about $4,370
2018 Forester AWD (8–12 years old)	about $1,420	about $790	+$940	about $4,080
2013 Forester AWD (13 or more years old)	about $1,370	about $820	+$900	about $3,930

Our catalog covers the Subaru Forester across model years 2006–2027. Full coverage on a used 2013 Forester (13 or more years old) runs about $1,370 a year, $250 less than on a 2024. Dropping collision and comprehensive on that 2013 brings liability-only coverage to about $820 a year. Each photo shows that year's generation of the car. Photo credits.

All 2 versions of the 2024 Subaru Forester in our catalog (Forester AWD and Forester Wilderness AWD) price within about $50 a year of each other.

On a policy of their own with a 2024 Subaru Forester, a 22–25-year-old pays about $2,110 a year ($490 more than a 45-year-old), a 26–39-year-old about $1,800, and a driver 65 and older about $1,700.

Adding a 16-year-old with a Subaru Forester

Because the Subaru Forester starts from lower losses than most cars, adding a new 16-year-old driver raises the family bill by about $1,070 a year ($90 a month), $210 less than adding a teen with an average car of the same age. Putting that 16-year-old on a policy of their own instead costs about $4,650 a year, about $3,580 more than sharing the family policy.

For adding a teen driver, the Subaru Forester ranks 3rd cheapest out of all 121 models we track. Stepping down to a used 2013 Forester (13 or more years old) brings the teen add-on to about $900 a year.

That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.

Similar small SUVs

Among these 26 small SUVs, the Subaru Forester is the least expensive to insure. Next up is the Mazda CX-50, at about $1,690 a year.

• 2024 Subaru Foresterabout $1,620 (this car)
• 2024 Mazda CX-50about $1,690 ($70 more)
• 2024 Honda CR-Vabout $1,740 ($120 more)
• 2024 Toyota RAV4about $1,760 ($140 more)
• 2024 Toyota bZ4Xabout $1,790 ($160 more)

Photos from Wikimedia Commons contributors. Photo credits.

What a Subaru Forester costs in your state

In six sample states, a 2024 Subaru Forester runs from about $1,130 a year in Wisconsin through New Hampshire, Tennessee, Pennsylvania and Arizona to about $2,140 in New York:

• Wisconsinabout $1,130/yr · +$740 teen
• New Hampshireabout $1,160/yr · +$770 teen
• Tennesseeabout $1,370/yr · +$900 teen
• Pennsylvaniaabout $1,430/yr · +$950 teen
• Arizonaabout $1,700/yr · +$1,120 teen
• New Yorkabout $2,140/yr · +$1,410 teen

All 50 states and DC · Updated November 5, 2026.

Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.

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