The Subaru Solterra XT is a fully electric SUV with all-wheel drive. If you are thinking of one, this page walks through the costs you can put a number on. It starts with the price and ends with a short list of yearly sums.
The insurance prices are examples for one stated driver, as of 1 November 2026. They are a guide to how insurers compare, not the price you will be quoted.
The version on sale
The new-car list read on 2026-10-10 shows one version. It is listed as an SUV, made in Japan.
- Solterra XT Electric AWD 73.1 kWh: 338bhp
The price page prices the same car, the Solterra XT AWD 73.1 kWh.
The list price
As listed on 2026-10-10, the Solterra XT was S$219,800, including COE on that day. Dealers revise prices after COE rounds, so ask for a current figure. Compare offers item by item, as some include more than others.
Which COE it needs
The rule for electric cars uses motor power, not engine size. The price page says a fully electric Solterra XT needs a Category A COE if its motor is 110kW (147bhp) or less. If it is more powerful, it needs a Category B COE.
In the October 2026 2nd round, Category A closed at S$132,004 and Category B at S$131,901. The COE page carries each new round.
Road tax on an electric motor
Electric cars pay road tax by motor power. For the Solterra XT's 338bhp (252kW) motor, LTA's formula gives S$3,429.18 a year, before any age surcharge.
That is a large yearly bill. On these figures it is well above the lowest insurance premium for the standard driver. Keep it in your budget from the start.
The surcharge for older cars applies to electric cars too:
- Over 10 years: +10%
- Over 11 years: +20%
- Over 12 years: +30%
- Over 13 years: +40%
- Over 14 years: +50%
The road tax page explains the formula.
Insurance for one standard driver
The Subaru Solterra XT price page prices this case:
- Car: Solterra XT AWD 73.1 kWh, registered 3 years ago, private use, comprehensive cover
- Driver: aged 40, married, office job, driving 10 years
- Record: 50% no-claim discount (NCD), no claims
- Repairs: authorised workshop, no options
Only 3 insurers price this car online. The lowest premium is S$905.37 a year. The other two each ask S$2,014.07. That is S$1,108.70 more, or 122% on top. All prices include 9% GST, and every price on the page is marked as an estimate.
Sixteen insurers on our panel have no online price for the Solterra XT yet. With so few prices to compare, it is worth getting quotes with your own details.
The excess
All three plans on the page carry a S$600 excess. So for this car, the gap between plans is in the premium, not the excess. The cover itself can still differ, so read what each plan includes for an electric car.
What changes the lowest price
The price page shows the lowest price with one change at a time:
- No NCD (0%): S$1,906.06, S$1,000.69 more
- 20% NCD: S$1,524.84, S$619.47 more
- A driver aged 27, 3 years' driving, 30% NCD: S$1,847.49, S$942.12 more
- A driver aged 65, 20 years' driving: S$1,009.81, S$104.44 more
- A new car, registered this year: S$905.37, the same
- A car 8 years old: S$905.37, the same
Losing your NCD costs most here. The lowest price rises by 111%. Car age makes no difference to the lowest price on these figures. All 3 insurers price each case.
Against other electric cars
The price page lines the Solterra XT up with six electric cars, for the same driver and car age:
- BYD Sealion 7: S$1,390.72, 7 insurers
- BYD Atto 3: S$913.63, 10 insurers
- BYD M6: S$861.41, 9 insurers
- BMW iX1: S$1,907.27, 2 insurers
- Tesla Model 3: S$913.62, 10 insurers
- Tesla Model Y: S$939.71, 10 insurers
Their average lowest price is S$1,154.39. The Solterra XT's lowest price is 22% below that, and only one of the six is cheaper to insure. Bear in mind that its low figure rests on one estimate. The rivals with ten insurers pricing give a fuller picture.
Other Subaru models are on the Subaru car insurance page.
Running costs with no fixed figure
These depend on your habits and where you live:
- Charging: home charging, if your building has it, or public chargers. Rates vary by operator and time.
- Parking: season parking at home and at work, plus day-to-day parking.
- ERP: set by your routes and timing.
- Servicing and tyres: an electric car has its own service schedule. Ask what the battery warranty covers and for how long.
- Depreciation: what the car loses in value depends on what you pay and what it sells for later.
Summary of yearly costs we can show
For the Subaru Solterra XT AWD 73.1 kWh:
- Road tax: S$3,429.18 a year before any age surcharge (LTA's formula, checked 2026-10-19)
- Insurance, standard driver: from S$905.37 a year (as of 1 November 2026)
- Insurance, no NCD: from S$1,906.06
- Insurance, driver aged 27 with 30% NCD: from S$1,847.49
The one-off costs, for reference: S$219,800 as listed on 2026-10-10. The COE in the October 2026 2nd round was S$132,004 for Category A or S$131,901 for Category B.
Before you buy: car insurance for the Subaru Solterra XT
Before you drive off, get your car insurance through Shenton Brokers. Compare car insurance for the Subaru Solterra XT 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.