Subaru owners are a loyal bunch — and for good reason. Vehicles like the Outback, Forester, and Crosstrek regularly rack up 200,000+ miles when properly maintained. But once your Subaru‘s factory warranty expires, a single major repair can cost thousands of dollars out of pocket. A Subaru extended warranty gives you a financial safety net so you can keep driving with confidence long after the original coverage runs out.
In this guide, we’ll break down what Subaru’s factory warranty covers, what happens when it ends, common Subaru repairs and their costs, and how an extended warranty from Empire Auto Protect can save you thousands.
What Does the Subaru Factory Warranty Cover?
Every new Subaru comes with a manufacturer warranty package. Here’s what’s included when you drive off the lot:
| Coverage Type | Duration | What It Covers |
|---|---|---|
| Basic (Bumper-to-Bumper) | 3 years / 36,000 miles | Nearly everything except wear items |
| Powertrain | 5 years / 60,000 miles | Engine, transmission, drivetrain |
| Corrosion Perforation | 5 years / unlimited miles | Rust-through on body panels |
| Roadside Assistance | 3 years / 36,000 miles | Towing, flat tire, lockout, fuel delivery |
The key takeaway: once you pass the 3-year/36,000-mile mark, your bumper-to-bumper coverage is gone. And at 5 years or 60,000 miles, even your powertrain warranty expires. That’s the point where repair bills start coming out of your own pocket — and Subaru parts aren’t always cheap.
Common Subaru Repairs and What They Cost
Subarus are reliable, but every vehicle has its weak points. The boxer engine design and all-wheel-drive system that make Subarus great in snow also create unique maintenance needs. Here are the most common repairs Subaru owners face after the factory warranty ends:
| Repair | Estimated Cost | Common Models Affected |
|---|---|---|
| Head Gasket Replacement | $1,500 – $2,800 | Legacy, Outback, Forester (2.5L) |
| CVT Transmission Replacement | $3,500 – $7,000 | Crosstrek, Forester, Outback |
| Wheel Bearing Replacement | $350 – $800 per wheel | All AWD models |
| AC Compressor Replacement | $800 – $1,400 | Impreza, WRX, Crosstrek |
| Catalytic Converter Replacement | $1,200 – $2,500 | All models (boxer engines use 2 cats) |
| Oil Consumption Repair | $2,000 – $4,500 | 2012–2017 Forester, Outback |
| Turbo Replacement (WRX/XT) | $1,800 – $3,500 | WRX, WRX STI, Forester XT |
A single CVT transmission failure on a 2020 Subaru Outback can run $5,000 or more at the dealership. That’s more than most people have sitting in their emergency fund. And because Subarus use a flat (boxer) engine layout, labor costs for jobs like head gasket replacement tend to be higher than on conventional inline engines.
Why Subaru Owners Need Extended Warranty Coverage
There are a few reasons Subaru vehicles in particular benefit from extended protection:
The CVT factor. Subaru switched most of its lineup to continuously variable transmissions (CVTs) starting around 2010. While CVTs are smooth and fuel-efficient, they’re also expensive to repair. Unlike a traditional automatic that might need a $200 solenoid replacement, a failed CVT often means a full unit replacement in the $4,000–$7,000 range. Subaru extended its CVT warranty to 10 years/100,000 miles for some model years due to known issues, but if your vehicle falls outside that window, you’re on the hook.
All-wheel drive = more parts. Every Subaru (except the BRZ) comes with standard AWD. That means extra differentials, CV joints, and drivetrain components that can wear out and need repair — all of which add cost compared to a front-wheel-drive vehicle.
Boxer engine quirks. The horizontally opposed boxer engine is a Subaru signature. It provides a lower center of gravity and better balance, but the design makes certain repairs (like head gaskets and spark plugs) more labor-intensive. That translates to bigger shop bills even for routine maintenance.
Protect Your Subaru Before the Next Repair Bill Hits
Plans start at just $69/month. Accepted at any ASE-certified mechanic or dealership nationwide.
What Does an Extended Warranty from Empire Auto Protect Cover?
Empire Auto Protect offers comprehensive vehicle protection plans designed to cover the repairs that hurt the most. Depending on the plan you choose, coverage can include:
| System | Covered Components (Examples) |
|---|---|
| Engine | Cylinder heads, pistons, timing chain, oil pump, head gaskets |
| Transmission / CVT | Internal components, torque converter, valve body, CVT belt/pulleys |
| AWD / Drivetrain | Transfer case, front and rear differentials, CV joints, axle shafts |
| Electrical | Alternator, starter, window motors, power locks, wiring harness |
| Cooling / AC | Compressor, condenser, radiator, water pump, thermostat |
| Tech / Infotainment | Touchscreen, navigation, Bluetooth modules, backup camera |
This is especially relevant for Subaru owners because coverage includes CVT internals and AWD-specific components — the two areas where Subaru repair costs tend to be highest. You can take your vehicle to any ASE-certified mechanic or dealership in the country, so you’re never locked into one repair shop.
Empire Auto Protect vs. Subaru Added Security
Subaru offers its own extended service plan called Subaru Added Security. How does it compare to a third-party provider like Empire Auto Protect?
| Feature | Subaru Added Security | Empire Auto Protect |
|---|---|---|
| Where to Buy | Dealership only (at time of purchase or before factory warranty expires) | Direct — online or phone, any time |
| Where to Get Repairs | Subaru dealerships only | Any ASE-certified mechanic or dealership |
| Price | Typically $1,500–$3,000+ upfront | Starting at $69/month |
| Roadside Assistance | Not included in base plan | 24/7 roadside included |
| Money-Back Guarantee | 60-day cancellation window | 30-day money-back guarantee |
| Used Vehicles | Limited availability for used | Covers new and used vehicles |
The biggest difference is flexibility. Subaru Added Security ties you to the dealership for both purchasing and repairs. Empire Auto Protect lets you buy coverage whenever you want (even if your factory warranty already expired) and use any mechanic you trust. Monthly payments starting at $69 also make it easier on the budget compared to a lump-sum dealer quote.
Which Subaru Models Benefit Most from Extended Coverage?
While every Subaru can benefit from extended protection, certain models and years tend to have higher repair costs:
Subaru Outback (2015–2021): The most popular Subaru in America, and also the one most likely to need a CVT repair after 80,000–100,000 miles. The 2.5L engine in older Outbacks is also known for head gasket issues. An extended warranty here can easily pay for itself with a single transmission claim.
Subaru Forester (2014–2020): Similar CVT and engine concerns as the Outback. The 2014–2016 model years had documented oil consumption problems that could lead to engine damage if not addressed early.
Subaru Crosstrek (2018–2023): A smaller vehicle with the same CVT platform. The Crosstrek’s electrical and infotainment systems can also develop issues, with touchscreen replacements running $800–$1,500.
Subaru WRX / WRX STI: Performance models with turbocharged engines face higher-cost repairs across the board. Turbo replacements, clutch assemblies, and engine rebuilds can easily exceed $3,000–$5,000.
Subaru Ascent (2019–present): Subaru’s three-row SUV uses a turbocharged 2.4L engine and CVT. It’s still relatively new, but turbo and transmission repairs on larger vehicles tend to be pricier.
How to Get an Extended Warranty for Your Subaru
Getting coverage from Empire Auto Protect takes just a few minutes:
Step 1: Visit empireautoprotect.com/quote or call 1-888-345-0084.
Step 2: Enter your vehicle details (year, make, model, mileage). You’ll see plan options and pricing instantly.
Step 3: Choose the coverage level that fits your needs and budget. Plans start at $69/month.
Step 4: Drive with peace of mind. If a covered repair comes up, take your Subaru to any ASE-certified mechanic, call to open a claim, and Empire Auto Protect handles the rest.
With over 400,000 vehicles covered and more than $100 million in claims paid, Empire Auto Protect has the track record to back up every plan. Plus, you get a 30-day money-back guarantee — so there’s zero risk to try it out.
Don’t Wait for a $5,000 CVT Bill to Think About Coverage
Get a free Subaru warranty quote in under 2 minutes. No obligation, no pressure.
Frequently Asked Questions
Does Subaru offer an extended warranty?
Yes, Subaru offers the Added Security plan through its dealership network. However, it must typically be purchased before the factory warranty expires and can only be used at Subaru dealerships. Third-party providers like Empire Auto Protect offer more flexible coverage with no dealership restrictions.
How much does an extended warranty cost for a Subaru?
Dealer extended warranties from Subaru can run $1,500–$3,000+ as a lump sum. Empire Auto Protect plans start at $69/month, making coverage more affordable with no large upfront payment required.
Is a Subaru extended warranty worth it?
Given that common Subaru repairs like CVT replacement ($3,500–$7,000) and head gasket work ($1,500–$2,800) can cost more than a full year of warranty payments, many owners find the coverage well worth the investment — especially once the factory warranty expires.
Can I get an extended warranty if my Subaru is already out of factory warranty?
Yes. Empire Auto Protect covers both new and used vehicles, even if the original factory warranty has already expired. You can get a quote based on your vehicle’s current year, model, and mileage.
Where can I get my Subaru repaired with an Empire Auto Protect plan?
You can take your vehicle to any ASE-certified mechanic or dealership in the United States. You’re not limited to Subaru dealerships, which gives you the freedom to use a trusted local shop if you prefer.
By the Empire Auto Protect Team | Updated April 2026
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