Subaru Extended Warranty: Cost, Coverage and Plans

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. 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 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 $50 per day ($200 total) while your Subaru is in the shop for a covered repair.

The Gold Plus plan adds 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. This is more lenient than many other extended warranty plans, which require breakdowns to occur 100 miles or more from 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. If you’re not able to provide proof of service, Subaru will likely deny your claim.

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:

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, the coverage level you choose and your deductible, among other factors.

You can learn more about Subaru extended warranty costs for specific models here:

• Subaru Forester

• Subaru Outback

• Subaru Ascent

• Subaru Impreza

Deductibles

Subaru’s extended warranties come with either a $0 or $100 deductible. Choosing a plan with a $0 deductible will increase your upfront costs, while choosing a plan with a $100 deductible will lower your upfront costs but increase your out-of-pocket costs when you need to file a claim.

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. Generally, the sooner you buy a plan, the cheaper it’ll be. Plan costs will typically increase as you get closer to the factory warranty’s expiration date.

Note that, if your factory warranty coverage has expired, you can still purchase an extended warranty from a third-party provider.

2. Get quotes from a Subaru dealership

Get quotes from at least two or three Subaru dealerships, if possible. 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. Ask specifically for Subaru Added Security pricing and plan options.

3. Choose coverage, term and deductible

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. Then, pick a term and a deductible that aligns with your budget and how long you plan to keep your Subaru.

4. 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.

5. Finalize through the dealer

Once you choose a plan, you’ll complete the purchase through the dealership. If you’re buying an extended warranty with a new car purchase, you may be able to roll the cost into your vehicle financing.

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, Subaru ranked 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 at $617 per year on average, which is lower than the $652 average across all car models.

Customer reviews

Many customer reviewers on our site have reported that they have been happy with Subaru’s customer service.

For instance, Roberto J, a reviewer from Texas, said: “I finally found out what the common denominator is and determines the reputation and success of a car name brand and a given dealership; it is the service department. It is how the flaws of a given motor vehicle and repair issues are handled, and how the [...] customers are treated. I have owned many cars in my 83 years of existence. My very best experience ever at a new car dealership has been at a Subaru store in Houston, Texas. My family owns [three] Subaru SUVs.”

However, some reviewers have reported that their Subaru developed engine or transmission issues as soon as their factory warranty expired.

Phil, a reviewer from Michigan, said: “My 2019 Subaru Ascent developed rod knock at 82K miles after breaking hard on the highway and now needs a new engine. [...] An engine should not develop this type of issue with so few miles. However, my research has found this is more of a common problem with Subarus than I would have thought. [...] I reached out to Subaru for assistance since it has so few miles, but they declined to assist with the repairs stating it is out of warranty and had limited service records[.]”

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 extended warranty providers for similar bumper-to-bumper plans. All quotes include a $100 deductible except for Omega Auto Care, which has a $200 deductible.

» MORE: Pros and cons of extended auto warranties

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