Subaru Insurance
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Why Compare Subaru Car Insurance Quotes at SimplyQuote.co.uk?
Subaru cars are reliable and rugged, but insurance premiums can vary widely depending on the model, trim, usage, and even where you live. Comparing quotes ensures you find the best value policy—one that actually fits how you drive your Subaru.
Whether you own a Forester e-Boxer for commuting and weekend camping, or you’re insuring a WRX STI that’s still going strong on UK roads, insurers don’t treat all Subarus the same. Standard all-wheel drive increases handling stability, but also raises repair costs. Hybrid and electric components, like those in the Solterra, add another layer of complexity.
Some Subarus sit in surprisingly high insurance groups—especially performance models or those fitted with aftermarket upgrades like raised suspension, tow bars, or off-road tyres. Others are used in remote areas or for business travel, which affects risk profiling and cover requirements.
At SimplyQuote.co.uk, we work in partnership with Quotezone to compare quotes from FCA-regulated car insurers. You can review policies side by side to find one that doesn’t just look cheap on paper, but covers the real-world risks of owning and using a Subaru—whether that’s battery replacement, off-road recovery, or OEM repairs.
Who Are Subaru?
Subaru is a Japanese car manufacturer known for its symmetrical all-wheel drive, boxer engines, and a loyal following built around rugged reliability and performance heritage.
Founded in 1953, Subaru carved out its niche by doing things differently. While most manufacturers focused on front-wheel drive saloons and city cars, Subaru leaned into utility, producing cars that could handle rough weather, tough terrain, and long distances without drama.
Their defining features—symmetrical AWD, horizontally-opposed boxer engines, and a commitment to functional design—earned the brand a cult following among UK drivers who value reliability over flash. From the practical Outback and Forester e-Boxer, to the rally-bred Impreza WRX STI, Subaru drivers tend to know exactly what they’re buying—and why.
In recent years, Subaru’s UK range has evolved to include mild hybrids like the XV/Crosstrek, and the Solterra—its first fully electric SUV, developed in partnership with Toyota.
While the brand’s market share in the UK remains modest, its cars are popular with rural drivers, outdoor enthusiasts, and loyalists who need practical 4×4 performance with long-distance dependability. That mix of traits means insurers often approach Subarus differently—especially when AWD, hybrid systems, or performance trims are involved.
What Do I Need To Get A Quote?
To get a quote for your Subaru, you’ll need your vehicle’s registration or full spec, your driving and claims history, how you use the vehicle, and where it’s stored overnight.
Subaru’s UK range might not be vast, but trim-level details matter. Whether you’re driving a Forester e-Boxer Premium, a standard XV, or a modified WRX STI, insurers need accurate information to calculate a policy that fits your setup.
You’ll typically be asked for:
- Vehicle details – If you don’t use your reg number, be ready to manually select your model, engine, trim, and fuel type. A standard Outback is priced differently from a ruggedised Field Edition or hybrid variant.
- How you use the vehicle – Subarus are popular in rural settings and for business-related travel (especially for self-employed or trades). Be clear whether it’s for social, commuting, or business use.
- Your driver profile – Age, occupation, claims history, penalty points, and type of driving licence all affect premiums. Younger drivers in performance Subarus will face higher quotes—sometimes dramatically so.
- Mileage and parking – If your car clocks high mileage, or is kept on a street rather than a driveway or garage, expect this to feed into the final quote.
- Modifications (if applicable) – Subaru owners often fit tow bars, off-road tyres, roof storage, or remapped ECUs. These must be declared, even if they’re factory-fitted upgrades.
The more precise your answers, the more accurate and competitive the quote. Subaru models aren’t ‘standard issue’ in the UK—and insurance systems tend to react sharply to any ambiguity in usage, ownership, or build spec.
Why Should I Consider Subaru-Specific Car Insurance Cover?
Subaru vehicles come with unique drivetrain setups, tech features, and common usage scenarios that generic insurance policies often don’t fully account for. Subaru-specific cover ensures you’re protected where it counts.
All Subarus sold in the UK come with symmetrical all-wheel drive as standard. That’s great for traction and safety—but it also means repairs often involve more parts, more labour, and higher costs if damaged. A one-size-fits-all policy might not cover those nuances.
Then there’s the engine layout. Subaru’s boxer engine sits lower in the chassis and is mechanically different from most rivals. Not every garage is equipped to repair them correctly, and not all insurers will automatically include cover for OEM parts or specialist labour if the vehicle is leased or under finance.
If you own a WRX STI or a performance-modified Impreza, you’ll need a policy that can handle declared upgrades. Even a suspension kit, remap, or brake change can change your policy obligations and invalidate a claim if not declared—and not every insurer welcomes modded Subarus.
Subaru’s newer models, such as the Forester e-Boxer or fully electric Solterra, also introduce hybrid and EV components—battery systems, motor control units, and advanced safety tech—that require specialist repair and can push up costs if they’re not properly covered.
Finally, many Subaru owners use their vehicles for rural commuting, light commercial use, or even green-laning and towing. Not every policy covers that out of the box—and those that do might only offer minimal protection unless specified.
In short: a generic policy might tick the legal boxes—but a Subaru-specific one will tick the real ones.
What Does Subaru Car Insurance Cover Include?
Comprehensive Subaru insurance generally includes third-party liability, theft, accidental damage, and optional extras—but depending on your model, you may also need cover for hybrid batteries, off-road use, or modified parts.
While all policies offer basic protection—damage to others, fire, theft, and accidental damage—Subaru drivers often need to look a little closer at the fine print.
Here’s what a well-matched Subaru policy might include:
- Third-party liability – Covers injury or damage to other people, vehicles, or property.
- Accidental damage – Repairs or replacement of your own car after a collision or non-fault incident.
- Fire and theft – Standard protection for fire damage or vehicle theft—including attempted theft and vandalism.
- Windscreen and glass cover – Especially useful for taller windshields in Outback and Forester models.
- OEM parts guarantee – Essential for drivers on lease/PCP agreements or with modified Impreza/WRX trims.
- Battery and hybrid system cover – Needed for Forester e-Boxer, XV e-Boxer, and Solterra EV. Includes traction battery, charging cables, and motor electronics.
- Driver assist recalibration – Subaru’s EyeSight safety systems (e.g. pre-collision braking, adaptive cruise) may require recalibration after a repair.
- Keyless entry and theft protection – Many newer models are push-start—check for enhanced key cover or anti-relay theft protection.
- Breakdown and recovery – Especially useful in rural areas or for models used off-road or for towing.
- Courtesy car and legal expenses – Often included, but coverage and terms vary. Check exclusions on model-specific repairs.
Some insurers even offer enhanced off-road cover or towing protection for owners who use roof tents, trailers, or go green-laning—common among Subaru drivers.
As always, don’t assume all of this is bundled by default. If you own a newer or niche model like the Solterra, make sure your insurer treats it like the EV it is—not just “another SUV.”
What’s Not Included?
Most standard Subaru insurance policies don’t cover undeclared modifications, off-road use, performance tuning, or wear and tear—especially on AWD systems, tyres, or hybrid components.
Even with comprehensive cover, there are common exclusions that Subaru drivers need to be aware of. These aren’t always front and centre in policy docs—but they’re the kind of details that matter when it’s time to make a claim.
Let’s break it down:
- Off-road or rally use – Unless explicitly included, your policy won’t cover damage caused while green-laning, trail driving, or any kind of rally-style activity—even if it’s legal. That applies to Outbacks and Foresters just as much as WRX models.
- Undeclared modifications – Even something as minor as upgraded alloys or all-terrain tyres can void a policy if not disclosed. Full performance upgrades (like exhaust swaps, air intakes, or suspension kits) must always be declared.
- Track use – No standard Subaru policy includes track days or high-speed events. Some performance owners assume it’s covered under “pleasure use”—it’s not.
- Battery degradation – For Solterra or e-Boxer owners, insurance doesn’t cover the natural wear and tear of hybrid or EV batteries. Sudden failure or accidental damage? Yes. Gradual loss of capacity? No.
- Wear and tear on AWD systems – Your symmetrical all-wheel drive system is tough, but not indestructible. Most policies exclude drivetrain wear, uneven tyre wear, or diff-related maintenance.
- Non-OEM repairs on lease/PCP vehicles – If your car’s on finance, using a non-approved repairer may breach your contract—even if the insurer allows it.
These exclusions aren’t designed to catch you out—but they will if you don’t check. Subaru vehicles are capable, but that capability doesn’t come with blanket cover unless you build a policy that respects how you use it.
How Much Does Subaru Car Insurance Cost?
Subaru insurance typically ranges from £800 to £1,600 per year, although performance models like the WRX STI can cost over £2,000 depending on your age, location, and driving history.
Unlike some manufacturers, Subaru’s premiums are shaped as much by how you use the car as by what model you own. A Forester doing 25,000 rural miles a year with a tow bar will price differently than an XV used for city commuting.
Here’s a rough guide to average annual insurance costs in the UK by model:
| Model | Type | Estimated Annual Premium |
|---|---|---|
| Subaru XV / Crosstrek | Compact SUV (Mild Hybrid) | £850 – £1,150 |
| Subaru Forester e-Boxer | Midsize SUV (Hybrid) | £1,000 – £1,400 |
| Subaru Outback | Estate AWD (Petrol) | £900 – £1,300 |
| Subaru Solterra | Fully Electric SUV | £1,300 – £1,900+ |
| Subaru WRX STI | Performance Sedan | £1,800 – £2,400+ |
Key pricing factors include:
- Model and engine type – Turbocharged or performance-tuned models (like the STI) land in high insurance groups.
- Fuel type – Hybrids and EVs tend to be pricier due to battery and repair costs.
- Driver profile – Younger or newly qualified drivers will pay significantly more—especially for performance models.
- Usage type – Business use, high mileage, or rural commuting shifts the risk profile.
- Modifications – Even a declared upgrade (wheels, brakes, tow bars) can nudge the price upward.
- Storage and location – Garaged cars in low-crime areas see better rates than street-parked vehicles in urban postcodes.
A 45-year-old driver with 9 years’ no-claims might pay around £950 to insure an Outback for social and commuting use. But a 25-year-old with 3 points and a modified WRX STI could face quotes exceeding £2,500.
As always, quote accuracy is key—especially when owning a Subaru means your setup is likely to be anything but average.
How To Compare Subaru Car Insurance At SimplyQuote.co.uk
Enter your Subaru’s registration, confirm how and where you use it, and compare real-time quotes tailored to your specific model, usage, and cover needs—all in under five minutes.
SimplyQuote.co.uk, powered by Quotezone, connects you with trusted FCA-regulated UK insurers. It’s fast—but the value comes from accuracy. Subaru ownership isn’t generic, and neither should your insurance quote be.
Here’s how the process works:
- Input your reg or manual vehicle details
The system will match your Subaru model, trim, and engine type—whether you’re driving a Forester e-Boxer, Outback Touring, XV, or a fully electric Solterra. - Confirm how you use the car
Select social only, commuting, or business use. This matters more than many think—especially for drivers in rural areas or with occasional towing or light commercial use. - Enter your driver and risk profile
This includes where the car’s stored, your occupation, annual mileage, driving history, and no-claims bonus. Be precise—especially if your Subaru is leased or has been modified. - Choose your level of cover and extras
Most Subaru owners opt for comprehensive insurance, but you can tailor your policy with bolt-ons like legal cover, enhanced breakdown, key cover, or protection for declared modifications. - Compare your quotes
You’ll instantly see prices and policy details from a range of insurers. Simply choose the one that balances cost and coverage, then buy online. No follow-up calls, no upsells—just the protection you need, at the right price.
You’ll receive your documents by email straight away. And if you need to adjust your policy, you can revisit quotes or tweak your details with minimal friction.
*51% of consumers could save £515.24 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next six cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from December 2024 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.
Frequently Asked Questions
Subaru insurance is generally mid-to-high cost. Models like the XV or Outback are reasonably priced, while performance cars like the WRX STI or EVs like the Solterra tend to be more expensive to insure due to repair costs and insurer risk perception.
Some are. While the XV and Forester sit in moderate insurance groups, the WRX STI and Solterra often fall into higher categories due to their performance specs or electric drivetrain components.
You might. If your vehicle is modified, leased, used off-road, or fitted with hybrid or electric tech, Subaru-specific cover can ensure key features like OEM repairs or recalibration are properly protected.
Some are. Boxer engines, symmetrical AWD systems, and hybrid batteries can carry higher labour and parts costs—especially outside of the dealer network. Not all insurers account for this in standard policies.
Not usually. Off-road driving or green-laning isn’t covered by default. You’ll need a policy that explicitly includes off-road use or vehicle recovery beyond public roads.
Yes. As an EV, it includes high-value battery components and advanced safety tech. Most Solterra drivers will face higher premiums than drivers of petrol or hybrid models.
Yes—but only with the right insurer. You must declare all mods (including remaps, exhausts, suspension upgrades) to avoid invalidating your policy. Some insurers specialise in performance or modified Subaru cover.
The Subaru XV (now branded Crosstrek) is typically the most affordable, followed by lower-spec Outback trims. These models tend to attract lower premiums for experienced drivers with good no-claims records.