Compare Subaru car insurance estimates from AU's top providers. Whether you drive an Outback, Forester, XV, or WRX, find the right cover at the right price - comprehensive, third party, or fire & theft.
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Subaru has built a loyal following in Australia, particularly valued for its Symmetrical All-Wheel Drive system that handles Australia's varied terrain and weather conditions. The Outback and Forester are popular with rural and lifestyle drivers, while the WRX has a devoted performance car following.
From an insurance perspective, most Subaru models fall into mid-range insurance groups. Their standard AWD systems add complexity to repairs but also provide excellent wet-weather safety. The WRX is a notable exception, sitting in higher insurance groups due to its performance nature and higher theft risk among younger driver demographics.
All major Australian insurance providers - including AA Insurance, AMI, State, Tower, and ANZ - offer cover for Subaru vehicles. Whether you own a new Subaru or a used import, you'll find competitive quotes across the market. See our full Australian car insurance comparison for more.
Estimated annual comprehensive insurance costs for popular Subaru models in Australia. Based on a 35-year-old driver with a clean record in Auckland.
| Model | Type | Approx. Value (Used) | Est. Comprehensive/yr | Insurance Group | Notes |
|---|---|---|---|---|---|
| Subaru Impreza | Sedan / Hatch | $8,000-$35,000 | $600-$950 | Low-Mid | Entry-level Subaru with standard AWD. Affordable to insure. |
| Subaru XV / Crosstrek | Small SUV | $15,000-$42,000 | $650-$1,050 | Mid | Popular compact SUV with standard AWD. Strong safety ratings. |
| Subaru Forester | Mid-size SUV | $18,000-$50,000 | $700-$1,100 | Mid | Best-selling Subaru in Australia. Excellent for families and rural driving. |
| Subaru Outback | Wagon / SUV | $20,000-$55,000 | $750-$1,150 | Mid | Versatile wagon-SUV crossover. Popular with lifestyle and rural drivers. |
| Subaru Legacy | Sedan / Wagon | $5,000-$20,000 | $500-$800 | Low-Mid | Older model mostly available used. Discontinued in Australia but still common. |
| Subaru WRX | Performance | $20,000-$60,000 | $1,100-$1,700 | High | Performance sedan with higher premiums due to power, theft risk, and driver demographics. |
| Subaru BRZ | Sports | $25,000-$50,000 | $1,000-$1,500 | Mid-High | Rear-wheel-drive sports car. Higher premiums due to sports car classification. |
Disclaimer: All prices shown are indicative estimates based on publicly available data and typical driver profiles as of early 2026. Actual premiums vary based on your vehicle, location, driving history, and chosen cover level. These figures are not quotes. Always obtain a personalised quote from the insurer directly. We do our best to keep all data up to date and accurate. If you've noticed something incorrect, please let us know.
Choose the right level of protection based on your Subaru's age and value.
Covers damage you cause to other vehicles or property. Your Subaru is not covered. Best for older Subarus worth under $3,000.
Adds fire and theft protection for your Subaru. Good value for Subarus worth $3,000-$12,000 where replacement cost matters.
Full protection for your Subaru. Covers accident damage, theft, fire, weather, vandalism, and third-party liability. Commonly chosen for Subarus worth $10,000+.
Understanding these factors can help you find cheaper Subaru insurance in Australia.
A Subaru Impreza is significantly cheaper to insure than a WRX or BRZ. Standard AWD models are competitively priced, while performance variants cost more.
Drivers under 25 pay considerably more, particularly for the WRX. Over-25s with a clean licence and driving history get the best rates on Subaru insurance.
Auckland and Wellington typically have higher premiums than smaller centres. Rural Subaru owners may benefit from lower theft risk.
Subarus with factory immobilisers, alarms, or aftermarket tracking devices can attract lower premiums. This is especially important for WRX and BRZ models.
Up to 65% discount for claim-free years. Protect your NCB - some insurers offer bonus protection so one claim doesn't reset it.
Aftermarket modifications (turbo upgrades, exhausts, suspension) increase premiums significantly and must be declared. Standard Subarus are cheapest to insure.
Practical ways to reduce your Subaru insurance premium without sacrificing cover.
Subaru premiums can vary by $300+ between providers for the same cover. Always get at least 3 estimates before choosing.
Raising your excess from $400 to $750 can save 10-20% on your premium. Only do this if you can afford the higher excess if you claim.
Most Australian insurers charge a loading for monthly payments. Paying annually can save 5-10% - that's $50-$120 on a typical Subaru policy.
Insure your Subaru alongside your home or contents insurance with the same provider. Multi-policy discounts of 5-15% are common in Australia.
Adding young or inexperienced drivers increases premiums significantly, especially on performance models like the WRX. Only add drivers who regularly use your Subaru.
Garaging your Subaru overnight and installing an approved alarm or immobiliser can reduce premiums. This is especially valuable for WRX and BRZ owners.
Key facts about Subaru vehicle security and safety performance in Australia.
Most Subaru models have a moderate theft risk in Australia. The WRX is a notable exception - its popularity among younger enthusiasts and strong second-hand demand make it a higher theft target. Standard AWD models like the Forester and Outback are less commonly targeted. Check Australian Police data for the latest stolen vehicle statistics.
Subaru has an excellent safety record, with EyeSight driver assist technology standard across most of the range. Standard AWD also contributes to active safety in wet and slippery conditions.
Common questions about insuring your Subaru in Australia.
Disclaimer: The information on this page is for general informational purposes only and does not constitute financial advice. While we strive for accuracy, insurance products, pricing, and terms change regularly. Always verify details directly with the insurer before making any decisions. If you need personalised advice, consider consulting a licensed financial adviser. For more information, visit the Financial Markets Authority (FMA).
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