Insurance
Insurance, not maintenance, is this vehicle's dominant running cost: $2,200 a year on a national average against $540 for upkeep.
Report ACI-SUB-OUTBACK · Updated July 2026 · Figures are ACI model estimates
The Subaru Outback ranks #27 of 52 vehicles we track — mid-pack for annual maintenance cost.
Vehicle age, years · figures at 12,000 mi/yr, independent shop
Costs stay under $500 a year through year 5, then climb as tires (set of 4) and other wear items come due.
| Service | Typical cost | Interval |
|---|---|---|
| Oil change (synthetic) | $90 | 6,000 mi |
| Cabin + engine air filters | $76 | 15,000 mi |
| Brake pads (front, pair) | $320 | 48,000 mi |
| Tires (set of 4) | $880 | 50,000 mi |
| CVT fluid exchange | $240 | 60,000 mi |
| Vehicle age | Annual cost | Cumulative |
|---|---|---|
| Age 1 | $170 | $170 |
| Age 2 | $215 | $385 |
| Age 3 | $290 | $675 |
| Age 4 | $380 | $1,055 |
| Age 5 | $480 | $1,535 |
| 5-year total | $1,535 | $1,535 |
Insurance, not maintenance, is this vehicle's dominant running cost: $2,200 a year on a national average against $540 for upkeep.
The Subaru Outback ranks #27 of 52 vehicles we track — mid-pack for annual maintenance cost. One documented pattern: Windshield stress-cracking complaints on 2020–2022 cars, subject of a class-action settlement.
Routine costs are fluid-and-wear driven: oil at 6,000-mile intervals, filters, brakes, and tires. Tires (set of 4) is the single largest routine bill at $880.
| Vehicle | Avg annual | 10-yr total | vs. Outback |
|---|---|---|---|
| Subaru OutbackThis page | $540 | $5,395 | — |
| Toyota RAV4 | $468 | $4,680 | −$72/yr |
| Mazda CX-5 | $504 | $5,040 | −$36/yr |
| Honda CR-V | $510 | $5,100 | −$30/yr |
| Subaru Forester | $516 | $5,155 | −$24/yr |
It is about average. The Outback averages $540 a year in maintenance and typical repairs, ranking #27 of 52 vehicles on AutoCostIndex. That is mid-pack among vehicles we track.
$540 a year averaged over the first ten years — about $45 a month. Year 1 runs roughly $170; by year 10 the annual figure reaches $995. Ten-year total: $5,395.
The routine items are oil change (synthetic) (~$90), cabin + engine air filters (~$76), brake pads (front, pair) (~$320). Intervals and full pricing for every service are in the table on this page.
Fuel or charging, insurance (about $2,200 a year nationally for this vehicle), collision damage, parking, tolls, taxes, and registration. The figure covers scheduled maintenance plus typical age-related repairs, modeled per our methodology.
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Figures come from the ACI maintenance model: manufacturer service schedules priced at typical U.S. independent-shop rates, plus expected age-related repairs weighted by published reliability patterns. The calculator scales costs with mileage (wear factor) and shop choice. Figures are modeled estimates — your invoices will differ. Full detail on the methodology page.
SOURCES: ACI maintenance model v1 · manufacturer service schedules · 2026 U.S. parts & labor pricing · published reliability studies · Updated 2026-07-19