Subaru Forester vs MINI Countryman Insurance Cost
The Subaru Forester is cheaper to insure by about $175 a year for full coverage by our estimate ($1,140 vs. $1,315), and cheaper in 51 of 51 states.
Side-by-side insurance estimate
| Coverage | Subaru Forester | MINI Countryman | Difference |
|---|---|---|---|
| State minimum | $445 | $525 | −$80 |
| Standard (100/300/100) | $645 | $760 | −$115 |
| Full coverage | $1,140 | $1,315 | −$175 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Forester minus Countryman.
Why one costs more to insure
| Factor | Subaru Forester | MINI Countryman |
|---|---|---|
| Segment | Small SUV | Small SUV |
| Powertrains | Gasoline, Hybrid | Gasoline, Plug-in hybrid, Electric |
| HLDI collision (100 = avg) | 64 | 78 |
| HLDI comprehensive | 84 | 76 |
| HLDI property damage liability | 63 | 85 |
| HLDI bodily injury liability | 55 | 73 |
| NHTSA overall rating | 5★ | — |
| NICB most-stolen rank | Not in top 10 | Not in top 10 |
| Recalls (latest 3 model years) | 8 | 7 |
Collision losses are the biggest swing factor: the MINI Countryman has 14 points higher relative collision losses, meaning its crash repairs cost insurers more on average.
Forester vs Countryman insurance by state
By driver profile (full coverage)
| Driver | Forester | Countryman |
|---|---|---|
| Teen driver (18, own policy) | $3,130 | $3,620 |
| Young adult (22) | $1,820 | $2,105 |
| Adult in their 30s | $1,140 | $1,315 |
| Adult in their 50s | $1,045 | $1,210 |
| Senior (72) | $1,275 | $1,475 |
| 30s, one at-fault accident | $1,650 | $1,910 |
| 30s, DUI on record | $2,105 | $2,435 |
More comparisons
Frequently asked questions
Is the Subaru Forester or the MINI Countryman cheaper to insure?
By our estimate the Subaru Forester is cheaper, by about $175 a year for full coverage ($1,140 vs. $1,315) for a driver in their 30s with a clean record.
Why does insurance cost differ between the Subaru Forester and MINI Countryman?
Mostly because of insurance-loss history: HLDI collision indices of 64 vs. 78 and comprehensive indices of 84 vs. 76 (100 = average), plus repair costs, theft rates and segment.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.