You know you need to protect your investment, but does it make sense to purchase extended coverage?
If you have recently rolled off the lot in your new Subaru, you know that you have protection with a basic factory warranty. But when that expires, should you look into getting a Subaru extended warranty? In order to keep repair costs at a minimum, it makes sense to review your options.
In this article, we'll explain what the standard Subaru warranty provides, why you might need extended coverage, and what providers you should consider when shopping for the best protection.
To give you some options to consider, our team has put together a list of the best extended car warranty companies based on company reputation, customer service, coverage, and additional perks. We strongly encourage you to get several quotes so that you can compare coverage and prices. Use the tool below to get free quotes from our top picks.
In this article:
- Subaru Extended Warranty
- Subaru Extended Warranty Cost
- What’s Covered By A Subaru Factory Warranty?
- Subaru Repair Costs
- Dealer Vs. Third-Party Extended Warranty Comparison
- Our Conclusion On A Subaru Factory Warranty
- Frequently Asked Questions About Subaru Extended Warranties
Subaru Extended Warranty
Subaru’s own extended warranty options are called Added Security® plans. There are two plan options, each with its own benefits. These warranties cover a set of specified vehicle components, meaning if a covered component should break down as the result of normal use, Subaru will pay to repair or replace it using genuine Subaru parts.
|Plan||Term Length||Coverage Details|
|Classic||8 years/120,000 miles or 10 years/100,000 miles||This warranty covers most major components and includes additional perks such as towing services and car rentals.|
|Gold||8 years/120,000 miles or 10 years/100,000 miles||Add more protection with coverage for your vehicle's air conditioning, steering, electrical components, and brakes.|
Both plans are transferrable and have $0 or $100 deductible options.
While both of these service contracts may look appealing, there are some significant downsides to consider:
- You'll need to have all of the work done by a Subaru dealer. This might be a problem while traveling, if you live far from a dealership, or if you already have a preferred mechanic.
- Dealers often apply hefty markups that make prices higher. Plus, if you purchase this coverage when you buy your vehicle and roll it into your financing, you are going to pay interest on it.
Subaru Extended Warranty Cost
The cost of a Subaru extended warranty varies depending on your coverage level, coverage length, and your specific vehicle. Prices may also vary from dealership to dealership. Several customers have reported paying around $2,500 for a 10-year/100,000-mile Subaru extended warranty, though your own quotes may vary. This price is standard for any extended auto warranty of this length.
What’s Covered By A Subaru Factory Warranty?
All new Subaru vehicles come with a manufacturer-backed Subaru warranty. This coverage is made up of several individual warranties with varying term lengths.
New Vehicle Limited Warranty (3 Years/36,000 Miles)
This limited warranty is also referred to as bumper-to-bumper protection. It’s designed to protect the vehicle from any defects in materials or workmanship. Coverage includes:
- Most components and parts, with a small list of exclusions including the tires and regular vehicle maintenance services
- All Subaru optional accessories
- One adjustment service during the warranty period
Powertrain Limited Warranty (5 Years/60,000 Miles)
The powertrain warranty protects all of the essential systems of your Subaru, including:
- Engine block and all internal parts
- Valve trains and cylinder heads
- Timing belts, gears, and cover
- Oil pump, pan, gaskets, and seals
- Water pump
- Exhaust and intake manifolds
- Transaxle case, including the internal parts
- Electronic transmission control unit
- Torque converter
- Axle shaft and constant velocity joints (excluding boots)
- Gaskets, seals, and wheel bearings
- Propeller shaft
Wear Item Limited Warranty (3 Years/36,000 Miles)
This warranty covers the repairs or replacements of items that wear, including:
- Brake pad/shoe linings
- Clutch linings
- Wiper blades
Rust Perforation Limited Warranty (5 Years/Unlimited Miles)
Because this warranty doesn’t depend on mileage, owners can take their vehicles in for any issue within the first five years. The coverage only applies to perforation caused by corrosion from the inside out. If there is a rusted hole in one of your Subaru’s sheet metal panels, the automaker takes care of the repair. That means that exterior scratches or dents that rust are not covered.
Seat Belt Lifetime Limited Warranty
Subaru covers any seat belt that fails to function correctly during normal use for the life of the vehicle. Cosmetic issues such as color fading are not part of the warranty.
What Doesn’t The Subaru Warranty Cover?
Many people assume that bumper-to-bumper coverage means everything on the vehicle is covered, but that simply isn’t true. Here are a few examples of Subaru warranty exclusions:
- Parts with specialized warranties: Some components, such as tires, come with a separate warranty.
- Deterioration: Cosmetic concerns and routine maintenance aren’t covered.
- Damage from improper repairs or the use of unauthorized parts: This includes the removal or installation of parts when you receive service that isn’t authorized by Subaru.
- Damage from abuse, accident, fire, or neglect: Your insurance policy may cover these incidents, but a warranty does not.
- Damage from lack of maintenance: If you don’t maintain your Subaru properly by taking it in for routine services, the warranty won’t cover resulting damages.
- Using the vehicle in competitive sports: If you decide to race your Subaru, your warranty won't cover repairs.
Subaru Warranty Limitations
While the factory warranty may provide you with peace of mind, know that there are some additional stipulations:
- To receive coverage for replacements or repairs, you must take your vehicle to a Subaru dealership.
- Only the original parts to the Subaru, installed by the dealer, are covered by the warranty.
- Once the term expires, the driver must pay for any further out-of-pocket repairs.
Subaru Repair Costs
Subaru factory warranties are relatively comprehensive, but what should you do when your coverage expires? RepairPal ranks Subaru at a 3.5 out of 5.0 on the reliability scale. That designation places it at 14th out of 32 car models, which is better than average. RepairPal estimates that the average annual repair cost for Subaru vehicles is $617 per year.
You will likely encounter mechanical problems with your Subaru at some point. Typically, this happens after your first few years of ownership, when the factory warranty has already expired. So, let’s take a look at some of the average Subaru repair costs to see what you might be facing.
|Lower Ball Joint Replacement||$91 to $633|
|Timing Belt Replacement||$238 to $729|
|Clutch Replacement||$676 to $2,281|
|Head Gasket Replacement||$927 to $2,803|
Are these car repairs you want to pay for out of pocket? Even if you only face one of these problems, taking care of the cost yourself could leave you scrambling. These prices don’t factor in when something happens to a significant component, either, such as the engine or transmission.
Dealer Vs. Third-Party Extended Warranty Comparison
If you want protection from mechanical breakdowns, but you don’t want to visit the dealership every time you need a repair, then it’s time to evaluate your other choices for coverage. We’ve already done a side-by-side comparison of the top third-party brands and found a few that we highly recommend.
|Subaru Extended Warranty||Endurance||CARCHEX||CarShield|
|Max Length of Coverage||10 years/120,000 miles||8 years/200,000+ miles||10 years/250,000 miles||200,000 miles|
|# of Plan Options||2||6||5 (16 contracts)||6|
|Trip Interruption||✓ (Gold Plus Plan only)||✓||✓||✓|
|Repair Network||Subaru dealers only||Repair facilities certified by the National Institute for Automotive Service Excellence (ASE®)||> 30,000 facilities nationwide||ASE-certified repair facilities|
|Cancellation Policy||Anytime||Refund if within 30 days||Refund if within 30 days||Refund if within 30 days|
|Availability||From local dealer||Free, instant quote||Free, instant quote||Free, instant quote|
|Contact your Subaru Dealer for Pricing||
Our Conclusion On A Subaru Factory Warranty
Now that you understand Subaru warranties and how the protection best serves you, it’s time to decide if you need the coverage. To sum it all up, a Subaru extended warranty may be right for you if:
You seek additional security
You can receive peace of mind with a warranty. If something breaks, you know that you can get it repaired without hurting your finances.
You plan to keep your Subaru
While Subaru vehicles are built to last, you want to ensure you get every mile out of your car that you can.
You plan to sell your Subaru
A transferable extended warranty increases your vehicle’s curb appeal for potential buyers.
You want to avoid high repair bills
You know what you are going to pay and won’t have any surprises.
Read our guides to other warranty providers: