If you are weighing up a Subaru Outback, new to you or used, this page sets out the costs that can be pinned to a figure. It covers the COE, road tax and car insurance, then the costs that turn on how you use the car.
The insurance prices here are examples, read on 20 October 2026, for one stated driver. They are not a quote for you. Treat them as a way to see how the costs stack up and what moves them.
Which Outback is priced
The new-car list has no entry for the Outback on sale now, so there is no list price to show here. Our quote form carries six versions, mostly for cars already on the road:
- Outback 2.0D: 1,998cc
- Outback 2.5: 2,501cc
- Outback 2.5 Limited SASE: 2,458cc
- Outback 2.5 XT Wagon: 2,458cc
- Outback 2.5i: 2,457cc
- Outback 3.0: 2,999cc
The insurance and road tax figures below are for the 2.0D, with its 1,998cc engine. It is the version most of our insurers quote. The larger engines carry higher road tax, and their premiums can differ too.
The COE you would need
A car with a 1,998cc engine is above the 1,600cc line. That puts the Outback 2.0D in Category B. In the October 2026 1st round, Category B closed at S$130,100.
COE premiums move every bidding round, so this figure is a snapshot. The COE page carries the latest results. If you buy a used Outback, the COE is already paid, and what matters is how many years it has left.
Road tax each year
Road tax in Singapore follows engine capacity. For the 2.0D's 1,998cc engine, LTA's formula gives S$1,209.76 a year, before any age surcharge. The formula was checked on 2026-10-19.
Many Outbacks on the road are no longer young, so the surcharge is worth knowing. It begins once the car passes 10 years:
- Over 10 years: +10%
- Over 11 years: +20%
- Over 12 years: +30%
- Over 13 years: +40%
- Over 14 years: +50%
The 2.5 and 3.0 versions have bigger engines, so their road tax is higher than the figure above. The road tax page works out other engine sizes.
Insuring the Outback: the example driver
The Subaru Outback price page prices one set of details:
- Car: Outback 2.0D, registered 3 years ago, private use, comprehensive cover
- Driver: aged 40, married, office job, driving 10 to 19 years
- Record: 50% no-claim discount (NCD), no claims
- Repairs: authorised workshop, no add-ons
Only 7 insurers price this car online for that driver. That is a smaller field than for many popular models. Several insurers on our panel have no online price for the Outback yet, and one does not list the model at all.
The lowest premium is S$1,031.51. The insurer whose lowest plan is dearest asks at least S$1,505.74. The gap is S$474.23, or 46% more. Prices include 9% GST.
Even with fewer insurers in play, the spread is wide. Two quotes for the same car and driver can sit hundreds of dollars apart.
What you pay on a claim
Each plan has an excess, the share of a claim you pay yourself. On this page S$600 is the most common figure. Two plans sit at S$500, three at S$800, and one has no excess at all. A plan with a low premium and a higher excess can cost more in a year when you claim. Read the two side by side.
What shifts the premium
The price page also shows the lowest price when one detail changes and the rest stays put:
- No NCD (0%): S$1,078.23, S$46.72 more
- 20% NCD: S$1,078.23, S$46.72 more
- Driver aged 27, 3 years' driving, 30% NCD: S$1,078.23, S$46.72 more
- Driver aged 65, 20 or more years' driving: S$1,078.23, S$46.72 more
- New car, registered this year: S$1,078.23, S$46.72 more
- Car 8 years old: S$1,002.12, S$29.39 less
For the Outback, the moves are small. Losing your NCD raises the lowest price by only 5%. Four quite different changes all land on the same lowest figure. That points to one plan setting the floor in each of those cases.
The one change that lowers the price is an older car. An Outback 8 years old comes in below the example car. Keep in mind these are lowest prices only. Other plans can move by more or less.
Set against similar cars
The price page lines the Outback up against six cars with engines of about the same size. Each is priced for the same driver and car age:
- Toyota Harrier: S$742.90
- Mercedes-Benz E-Class: S$861.03
- BMW 5 Series: S$861.03
- Toyota Voxy: S$793.75
- Lexus NX: S$972.39
- Lexus RX: S$972.39
Their average lowest price is S$867.25. The Outback, at S$1,031.51, costs 19% more than that. All 6 of these cars are cheaper to insure for this driver.
Other Subaru models are on the Subaru car insurance page.
Costs that turn on how you use it
Some costs cannot be given one figure because they depend on you.
- Parking: HDB or condo season parking, plus what you pay at work, malls and on the street. Check the rate at your own block.
- Fuel: set by the distance you cover and pump prices on the day.
- ERP: depends on your routes and the times you travel.
- Servicing and repairs: follow the maker's schedule. Tyres, brakes and a battery fall due over the years. On an older car, ask what has been done and what is due.
- Depreciation: what the car loses in value depends on what you pay and what it fetches when you sell or deregister it.
Yearly figures in one place
For the Outback 2.0D, dated as shown:
- Road tax: S$1,209.76 a year, before any age surcharge (LTA's formula, checked 2026-10-19)
- Insurance, example driver: from S$1,031.51 a year (20 October 2026)
- Insurance, no NCD: from S$1,078.23
- Insurance, car 8 years old: from S$1,002.12
The one-off cost, for reference: a Category B COE closed at S$130,100 in the October 2026 1st round.
Before you buy: car insurance for the Subaru Outback
Before you drive off, get your car insurance through Shenton Brokers. Compare car insurance for the Subaru Outback 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.