The Subaru Legacy Wagon S402 is an older estate car with a fairly large engine. It is not on sale new. This page is for owners and used buyers who want the yearly figures: road tax, insurance and the COE rule.
The insurance figures are examples for one stated driver, as of 1 November 2026. They show the spread. They are not your quote.
The car on record
The new-car list has no entry for the Legacy Wagon. So no list price, power figure or body type appears here.
The Subaru Legacy Wagon price page prices the Legacy Wagon S402, with a 2,457cc engine. That is the version most of our insurers quote.
Road tax
For 2,457cc, LTA's formula gives S$1,748.16 a year before any surcharge. That is a sizeable yearly bill, set by engine size alone.
A Legacy Wagon today is likely to be past ten years. The surcharge then adds:
- Over 10 years: +10%
- Over 11 years: +20%
- Over 12 years: +30%
- Over 13 years: +40%
- Over 14 years: +50%
On this base, each step adds a noticeable sum. Check your registration date to see which applies. The road tax page has the formula.
Category B
The price page puts the S402's 2,457cc engine above 1,600cc. It needs a Category B COE, which closed at S$131,901 in the October 2026 2nd round.
That figure matters if you renew the COE or replace the car. The COE page lists every round.
Insurance: twelve insurers
The price page prices this profile:
- Car: Legacy Wagon S402, registered 3 years ago, private use, comprehensive cover
- Driver: aged 40, married, office job, 10 years of driving
- Record: 50% NCD, no claims
- Workshop: authorised, no options
12 insurers price it online, a wide field for an older car. The lowest premium is S$853.44 a year. The insurer whose lowest plan costs most asks at least S$1,660.54. That is S$807.10 more, or 95% on top. The dearest plan on the page is S$2,119.31. Prices include 9% GST.
Only one insurer on our panel has no online price, and it prices a single standard driver.
Excess
The lowest premium carries a S$600 excess. The second, at S$1,017.54, carries S$5,000. The third, at S$1,076.67, carries S$2,500. Further up, excesses range from S$0 to S$5,000, with many at S$500 or S$600. So the lowest premium here also comes with a modest excess, which is worth noting.
One change at a time
The lowest price for each case:
- No NCD (0%): S$1,668.39, up S$814.95
- 20% NCD: S$1,335.52, up S$482.08
- Driver aged 27, 3 years' driving, 30% NCD: S$1,745.40, up S$891.96
- Driver aged 65, 20 years' driving: S$932.63, up S$79.19, 11 insurers
- Car registered this year: S$879.11, up S$25.67
- Car 8 years old: S$812.33, down S$41.11
For the young driver the lowest price rises by 105%. No NCD nearly doubles it. The older driver and car age make only small changes. The same insurer has the lowest price in every case on this page.
Making sense of a long list
Twelve insurers and seventeen plans is a lot to read. The plans differ in excess, in workshop terms and in extras. Some keep the premium low with a large excess. Others charge more and ask less of you on a claim. One way to sort the list is to set the most you would pay towards a claim, then look at the plans within that limit. The price page names each plan, so you can look up what it includes.
Six similar cars
The price page compares the Legacy Wagon with these, same driver and car age:
- Alfa Romeo 159: S$1,028.09
- Toyota Camry: S$872.39
- Toyota Alphard: S$832.53
- Mitsubishi Outlander: S$783.81
- Toyota Vellfire: S$763.00
- Honda Odyssey: S$763.00
Their average lowest price is S$840.47. The Legacy Wagon costs 2% more, close to the average. Four of the six are cheaper to insure; the Alfa Romeo 159 and Toyota Camry cost more. Other Subaru models are on the Subaru car insurance page.
Points to raise with an insurer
- Car age: give the true registration date. An older car may need photos or an inspection.
- Excess: two of the three lowest premiums carry excesses of S$2,500 or more. Check you could pay that after a claim.
- Workshop: these prices assume an authorised workshop. Ask where repairs would be done.
- NCD: make sure the quote carries your full discount. It is the biggest lever after driver age.
- Estimates: a few prices are marked as estimates. Confirm the final figure with your details.
Costs you control
These depend on how you use the car.
- Parking: season parking at home, plus other charges.
- Petrol: set by distance and pump prices.
- ERP: depends on routes and timing.
- Servicing and parts: on an older car, ask a workshop about parts supply and costs.
- Depreciation: on a used car, driven by the price and the COE left.
Summary of yearly costs we can show
Subaru Legacy Wagon S402, as of 1 November 2026:
- Road tax: S$1,748.16 a year before any age surcharge (LTA's formula, checked 2026-10-19)
- Insurance, standard driver: from S$853.44 a year
- Insurance, 20% NCD: from S$1,335.52
- Insurance, a car 8 years old: from S$812.33
Category B COE closed at S$131,901 in the October 2026 2nd round.
Before you buy: car insurance for the Subaru Legacy Wagon
Before you drive off, get your car insurance through Shenton Brokers. Compare car insurance for the Subaru Legacy Wagon to see today's prices from every insurer we compare and how they change with the driver and the car's age. Or get a quote with your own details.