Compare Subaru car insurance estimates from Australia's leading providers. Whether you drive an Outback, Forester, Crosstrek, or WRX, find the right cover at the right price - comprehensive, third party, or fire & theft.
AAMI is one of Australia's most recognised car insurance brands. With competitive pricing and a straightforward claims process, they are a strong option for Subaru owners across Australia.
Subaru has built a loyal following in Australia, prized for its Symmetrical All-Wheel Drive system that handles everything from wet city roads to gravel tracks. The Outback and Forester are particularly popular with regional and lifestyle drivers, while the Crosstrek (formerly XV) appeals to urban buyers who want AWD capability in a compact package. The WRX maintains a devoted performance following.
From an insurance perspective, most Subaru models fall into mid-range insurance groups. Standard AWD adds complexity to repairs, but Subaru's strong safety credentials through ANCAP and its EyeSight driver-assist technology help keep premiums competitive. The WRX is a notable exception, sitting in higher insurance groups due to its performance nature and theft appeal. Use RedBook to check your Subaru's current market value.
All major Australian insurers cover Subaru vehicles, including AAMI, Allianz, Budget Direct, NRMA Insurance, Suncorp, and Youi. 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 Sydney.
| Model | Type | Approx. Value (Used) | Est. Comprehensive/yr | Insurance Group | Notes |
|---|---|---|---|---|---|
| Subaru Impreza | Sedan / Hatch | $20,000-$35,000 | $650-$1,000 | Low-Mid | Entry-level Subaru with standard AWD. Among the most affordable Subarus to insure. |
| Subaru Crosstrek | Small SUV | $30,000-$45,000 | $750-$1,100 | Mid | Compact AWD SUV (formerly XV). Strong safety ratings and growing popularity. |
| Subaru Forester | Mid-size SUV | $35,000-$55,000 | $800-$1,200 | Mid | One of Subaru's best sellers in Australia. Popular with families and outdoor enthusiasts. |
| Subaru Outback | Wagon / SUV | $35,000-$55,000 | $800-$1,200 | Mid | Versatile wagon-SUV crossover. Popular with regional and touring drivers across Australia. |
| Subaru WRX | Performance Sedan | $40,000-$65,000 | $1,200-$1,800 | High | Performance sedan with higher premiums due to power, theft risk, and younger driver demographics. |
| Subaru BRZ | Sports Coupe | $35,000-$50,000 | $1,100-$1,600 | Mid-High | Rear-wheel-drive sports car. Higher premiums due to sports classification and performance. |
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. If you've noticed something incorrect, please let us know.
Choose the right level of protection. CTP insurance is separate and mandatory in every Australian state.
Covers damage you cause to other people's vehicles or property. Your Subaru is not covered. May suit older Subarus with low market value.
Adds fire and theft protection. A solid option for Subarus worth $5,000-$15,000. Particularly relevant for WRX owners given their higher theft desirability.
Full protection for your Subaru including accident damage, theft, fire, storm, hail, vandalism, and third-party liability. Commonly chosen for Subarus worth $12,000 or more.
Understanding these factors can help you find more competitive Subaru insurance in Australia.
An Impreza is significantly cheaper to insure than a WRX or BRZ. Standard AWD models are competitively priced, while performance variants carry higher premiums.
Under-25 drivers pay considerably more, particularly for the WRX. A clean driving record with no at-fault claims attracts the best rates.
Premiums vary by postcode. Metro areas generally cost more than regional centres. Rural Subaru owners may benefit from lower theft risk.
Subarus with factory immobilisers and alarms are standard. For WRX and BRZ models, aftermarket GPS trackers and steering locks can help reduce premiums.
Australian insurers offer discounts of up to 65% for claim-free years. Some providers offer no-claims discount protection.
Aftermarket modifications (turbo upgrades, exhaust systems, suspension lifts) increase premiums and must be declared. Standard Subarus are cheapest to insure.
Practical ways to reduce your Subaru insurance premium without sacrificing important cover.
Subaru premiums vary by $300 or more between insurers. Compare estimates from AAMI, Allianz, Budget Direct, NRMA, Suncorp, and Youi.
Raising your excess from $500 to $1,000 can save 10-20% on your annual premium. Only choose a higher excess if you can afford it when claiming.
Monthly payment loadings add 5-10% to your total cost. Paying annually avoids this surcharge.
Insuring your Subaru alongside your home or contents insurance with the same provider can unlock multi-policy discounts of 5-15%.
Adding young or inexperienced drivers increases premiums significantly, especially on performance models like the WRX. Only list regular drivers.
Secure parking reduces premiums. This is especially valuable for WRX and BRZ owners. Let your insurer know about your parking arrangements.
Key facts about Subaru vehicle security and safety performance for Australian owners.
Most Subaru models have moderate theft risk in Australia. The WRX is a notable exception - its popularity among enthusiasts and strong used-market demand make it a higher theft target. Standard AWD models like the Forester and Outback are less commonly targeted. Check the NMVTRC for current theft statistics.
Subaru has an excellent safety record in Australia. EyeSight driver-assist technology is standard across most of the range, and standard AWD 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. All estimates are indicative and based on publicly available data. 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 MoneySmart.gov.au. Insurers are regulated by ASIC and APRA.
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