Subaru extended warranty coverage
Subaru’s official extended warranties are called Added Security extended service agreements. They offer terms of up to 8 years/120,000 miles and 10 years/100,000 miles, and they’re available with either a $0 or $100 deductible. All Subaru vehicles are eligible for Added Security plans as long as they’re still within the 3-year/36,000-mile factory warranty period.
Subaru Added Security plans are available in two levels of coverage, Classic and Gold Plus.
Classic coverage
The Classic plan covers nearly 1,000 parts across all major systems in your vehicle, including your:
- Engine
- Transmission
- Drivetrains
- Front suspension
- Steering
- Brakes
- Electrical system
- Cooling system
- Fuel system
- Air conditioning
Gold Plus coverage
Subaru’s Gold Plus plan covers nearly every vehicle part, essentially providing bumper-to-bumper coverage. It includes everything Classic coverage does, plus hundreds of additional parts, including coverage for:
- EyeSight driver assist technology
- Blind-spot detection
- Rear cross-traffic alert
- Reverse automatic braking
- DriverFocus distraction mitigation system
- Starlink multimedia, safety and security
Subaru extended warranty benefits
All Subaru Added Security plans come with:
- Roadside assistance: This provides up to $100 for locksmiths, gas delivery, tire changes, battery jumps, on-site minor repairs, trip routing or lost key return.
- Towing coverage: This provides up to $100 to cover towing costs after a mechanical breakdown.
- Rental car coverage: This provides up to $40 per day for up to five days while your Subaru is in the shop for a covered repair.
The Gold Plus plan adds a trip interruption coverage for up to $500 per occurrence to help cover meals and lodging if your Subaru breaks down more than 50 miles from your home.
Subaru extended warranty terms and conditions
Subaru extended warranties have standard terms and conditions.
Maintenance
To maintain your coverage, you have to follow your specific Subaru’s maintenance schedule. You should also keep all of your receipts for maintenance services in case you need to provide proof of service for a warranty provider.
Preexisting conditions
Preexisting conditions aren't covered by Added Security plans, which is why getting a pre-purchase inspection can be helpful before buying an extended warranty. This inspection can help you prove to a warranty company that a part failed during the warranty period.
Exclusions
Subaru Added Security plans don’t cover damage related to:
- Weather
- Accidents
- Abuse
- Misuse
- Neglect
- Installing aftermarket parts
» MORE: Car warranty vs. car insurance
Subaru extended warranty pros and cons
Compare the pros and cons for Subaru extended warranties:
Pros
- Coverage for critical and high-tech vehicle systems
- Benefits like towing, rental car and trip interruption coverage
- Transferable to a new owner
Cons
- Plans can be expensive
How much does a Subaru extended warranty cost?
Subaru extended warranties cost around $1,000 to $4,000 in total costs, according to our research. For example, a 7-year/100,000-mile Gold Plus plan, which adds 4 years/64,000 miles to the 3-year/36,000-mile factory warranty, tends to cost around $2,900 total, or $725 per year of added coverage. This puts Subaru’s extended warranty prices well below the $1,000-per-year average for extended warranties.
Generally, how much you’ll pay for an extended warranty will vary depending on your car’s age, model, mileage, location and the coverage level you choose, among other factors.
You can learn more about Subaru extended warranty costs for specific models here:
How to purchase a Subaru extended warranty
You can typically purchase a Subaru extended warranty plan through authorized Subaru dealerships. Here’s how to approach the process:
1. Confirm eligibility and timing
You need to purchase an Added Security plan before your 3-year/36,000-mile factory warranty expires.
2. Contact a Subaru dealership
You don’t have to contact the dealership where you bought your vehicle. Ask specifically for Subaru Added Security pricing and plan options.
3. Ask for multiple quotes
Prices can vary between dealerships, even for the same plan. It’s worth calling or emailing a few Subaru dealers to compare pricing and potentially negotiate a better rate.
4. Choose your coverage level
Decide between Classic and Gold Plus coverage. If you’re looking for bumper-to-bumper coverage, opt for Gold Plus, especially if you have a newer vehicle with advanced technology.
5. Select the term and deductible
Next, pick a term and a deductible that aligns with your budget and how long you plan to keep your Subaru.
6. Review contract details carefully
Review your contract’s terms carefully, and note any details related to cancellation, refunds and transferability. If these terms aren’t explicitly mentioned in your contract, make sure to discuss them with the dealer and get necessary details in writing.
7. Finalize through the dealer
Once you choose a plan, you’ll complete the purchase through the dealership. You may be able to roll the cost into your vehicle financing if buying early.
Is a Subaru extended warranty worth it?
A Subaru extended warranty might be worth it if your car model doesn’t have a good reputation for reliability, the warranty’s cost is less than your expected repair costs or you want peace of mind when the factory warranty runs out.
Reliability
Subaru’s reliability tends to be above average. In J.D. Power’s 2026 U.S. Vehicle Dependability Study, it ranked Subaru No. 6 out of 28 brands for dependability. Subaru earned a score of 181 problems per 100 (PP100) vehicles, which is better than the study average of 204 PP100.
RepairPal also gives Subaru an above-average score of 3.5 out of 5 stars. It reports that Subarus tend to have below-average annual maintenance and repair costs.
Customer reviews
Some consumer reviews on our site have reported that they were happy with Subaru’s customer service and warranty. For instance, Bobbie, a reviewer from Wisconsin, was pleasantly surprised when Subaru offered to fix the transmission on their son’s 2016 STI, despite the car having a tune-up that allegedly voided the warranty.
However, some reviewers reported that they were unhappy with how Subaru handled their warranty claims.
“I have owned three [Subarus] and just recently purchased my fourth[,] which was a 2019 [certified pre-owned] Subaru Ascent Touring,” said Chelsea, a reviewer from North Carolina. “I have had the car for a month when the transmission [started] acting up. [...] [The] Subaru technicians have been very helpful and they are just as aggravated as I am with how Subaru is handling my situation.”
Although Chelsea’s car was under warranty, Subaru allegedly continued to delay authorization, leaving them without a car for at least two weeks.
Subaru vs. third-party extended warranties
Choosing between a Subaru Added Security plan and a third-party extended warranty company often comes down to how long you plan to keep your vehicle, where you want repairs done and how much flexibility you want in pricing and coverage.
Generally, Subaru’s plans offer manufacturer-backed peace of mind, while third-party providers tend to offer longer terms and more coverage options. For instance, Subaru’s extended warranties can last up to 8 years/120,000 miles or 10 years/100,000 miles, but some third-party warranties may provide coverage for up to 300,000 miles.
To compare extended warranty costs, we collected quotes from several third-party warranty providers for similar bumper-to-bumper plans with $100 deductibles (unless specified otherwise).
| Warranty provider | Cost estimate* |
|---|---|
| Subaru | $2,670 |
| olive | $1,497 |
| Endurance | $4,215 |
| Toco Warranty | $3,968 |
| Omega Auto Care | $6,720 (with a $200 deductible) |
FAQ
Can a Subaru extended warranty be purchased later?
A Subaru extended warranty can be purchased later, after the original purchase date, as long as your vehicle still falls under the original 3-year/36,000 mile factory warranty period.
Is Subaru’s extended warranty transferable?
Subaru’s extended warranty is transferable if you sell your car to a new owner. You can transfer your Subaru Added Security plan to your car’s new owner within 30 days of the sale and by paying a service fee.
Can you cancel a Subaru extended warranty?
You can cancel a Subaru extended warranty within the timeframe listed in your contract for a full or prorated refund. It’s generally best to contact the dealership where you purchased the contract to cancel your Subaru extended warranty. For third-party extended warranties, you can typically cancel an extended warranty within 30 or 60 days of purchase.
Article sources
ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. Specific sources for this article include:
- J.D. Power, “Vehicle Software Updates Become More Routine, but Fall Short on Perceived Benefit, JD Power Finds.” Accessed Aug. 4, 2026.
- RepairPal, “Subaru Reliability Rating.” Accessed Aug. 4, 2026.
