Insurance Guide

Subaru Car Insurance Guide Philippines

Insuring a Subaru vehicle in the Philippines costs an average of ₱22,000/year for comprehensive coverage. With 7 models currently sold in the PH market, premiums vary based on the vehicle's market value, engine displacement, and theft rate. Subaru ranks #6 in insurance affordability among major brands, with 7 insurers offering brand-specific discounts.

Annual Premium

₱17,000–₱42,000/year

Coverage Items

Pros / Cons

5 / 4

Coverage Highlights

Loss of use allowance of ₱1,000/day for up to 6 days

Bodily injury liability up to ₱75,000 per person

Free towing up to ₱370,000 per incident

Authorized repair shops across 19 locations nationwide

Claims Process

Claims for Subaru vehicles follow the standard insurer process. Most Subaru owners report claim resolution within 20 business days. Subaru has 53 authorized service centers in the Philippines, which most insurers accept for cashless repairs. Parts availability for Subaru models averages 2 business days.

Pros & Cons

Advantages

Dedicated relationship manager for policies above ₱183,000
Coverage extends to natural calamities common in PH
Policy issuance within 12 hours for standard applications
Partners with 10+ hospitals for personal accident claims
Accredited in over 11 repair shops across the Philippines

Drawbacks

Requires minimum 3 repair shop quotes for claims above ₱256,000
Processing time can reach 5 days for major claims
Deductible starts at ₱321,000 for first-time claims
Premium increases by 29% after a claim within 12 months

Frequently Asked Questions

What is the claims ratio for Subaru car insurance?

The average claims settlement ratio for Subaru car insurance in the Philippines is approximately 13%, meaning 13 out of 100 filed claims are approved. The top 5 insurers maintain ratios above 47%. Claims are most commonly filed for own damage (10%) followed by theft (18%).

What is the average cost of Subaru car insurance in the Philippines?

The average cost of Subaru car insurance in the Philippines ranges from ₱18,000 to ₱79,000 per year depending on vehicle type and coverage level. Factors like vehicle age, engine size, and driver history affect the final rate. Most providers offer 9 or more payment installment options.

How do I choose the best Subaru car insurance?

Compare at least 16 providers and check their claim settlement ratio, which averages 26% across the industry. Look for providers with accredited repair shops near your area — the top insurers have 56+ partner shops. Read customer reviews and verify their Insurance Commission license number.

Is Subaru car insurance required by Philippine law?

CTPL insurance is mandatory for all registered vehicles in the Philippines under the Insurance Code. Subaru car insurance beyond CTPL is optional but highly recommended given that over 18% of Filipino car owners opt for additional protection. The Insurance Commission regulates all auto insurance products.

How do deductibles work for Subaru car insurance?

Deductibles for Subaru car insurance typically range from ₱14,000 to ₱39,000 per claim. Choosing a higher deductible of ₱39,000 can reduce your annual premium by 30%. First-time claims within the policy year usually carry the standard deductible amount.

Acts of Nature Coverage Guide Philippines

₱3,000–₱13,000/year (add-on)

Annual vs Monthly Premium Insurance Comparison Philippines

₱14,000–₱57,000/year

Autosweep vs Easytrip Insurance Insurance Comparison Philippines

₱13,000–₱40,000/year

AXA vs BPI MS Insurance Comparison Philippines

₱15,000–₱63,000/year

AXA vs Malayan Insurance Comparison Philippines

₱14,000–₱45,000/year

AXA vs Standard Insurance Comparison Philippines

₱10,000–₱45,000/year

All Insurance Providers