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2017 Subaru Outback True Cost of Ownership (5-Year Breakdown)

Real cost to own a 2017 Subaru Outback. Insurance, maintenance, fuel, depreciation, and surprise repair costs.

Key Takeaways

  • Depreciation is the largest single cost factor, but the 2017 Outback's strong resale value helps mitigate this.
  • Fuel and insurance are consistent annual expenses, with AWD impacting fuel economy slightly and potentially increasing accident repair costs.
  • Routine maintenance is predictable, but budgeting an extra $1,000-$2,500 for potential wear-and-tear or minor repairs after the basic warranty expires is wise.
  • The 2017 Subaru Outback offers competitive total ownership costs within its segment, balancing reliability and utility with typical vehicle expenses.

Understanding the 2017 Subaru Outback's Total Cost of Ownership Over 5 Years

The 2017 Subaru Outback is a popular choice for its versatility, safety, and standard Symmetrical All-Wheel Drive. However, the true cost of owning any vehicle extends far beyond its purchase price. This guide breaks down the total cost of ownership (TCO) for a 2017 Outback over a typical 5-year period, covering depreciation, fuel, insurance, maintenance, and potential repairs. Understanding these factors will help you budget effectively.

Depreciation: The Largest Financial Factor

Depreciation represents the loss in your vehicle's value over time and is typically the single largest ownership cost. Subaru vehicles, especially the Outback, are known for holding their value well. For a 2017 Subaru Outback purchased new and owned for five years, you can expect a significant portion of its original value to depreciate. * **Estimated 5-Year Depreciation (2017-2022):** Expect depreciation in the range of **$12,000 - $15,000** for an average trim level. This means an Outback with an original MSRP of $30,000-$32,000 might retain 55-60% of its value after five years.

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Fuel Costs: Keeping the AWD System Fed

Fuel expenses are a constant factor, influenced by mileage driven, engine type, and gas prices. The 2017 Outback offered two engine options: a 2.5L 4-cylinder and a 3.6L 6-cylinder. * **2.5i Engine (4-Cylinder):** EPA estimated 25 MPG combined (22 city/28 highway). Real-world averages hover around 23-26 MPG. * **3.6R Engine (6-Cylinder):** EPA estimated 22 MPG combined (20 city/27 highway). Real-world averages typically fall between 20-23 MPG. Assuming an average of 12,000 miles driven per year (60,000 miles over 5 years) and an average fuel price of $3.50 per gallon: * **Estimated 5-Year Fuel Cost (2.5i):** Approximately **$8,000 - $9,000** * **Estimated 5-Year Fuel Cost (3.6R):** Approximately **$9,000 - $10,500**

Insurance Premiums: Safety Meets AWD Complexity

Insurance costs vary widely based on your location, driving record, age, and chosen coverage. The Outback's excellent safety ratings (e.g., IIHS Top Safety Pick+) can positively impact premiums. However, the standard All-Wheel Drive system and advanced safety features (like EyeSight) can lead to slightly higher repair costs in an accident, which may influence comprehensive coverage rates. * **Estimated Annual Insurance Cost:** Typically ranges from **$1,200 - $1,600**. * **Estimated 5-Year Insurance Cost:** Expect to pay between **$6,000 - $8,000** over five years.

Maintenance and Common Repairs (Years 1-5)

Regular maintenance is crucial for longevity and performance. The 2017 Outback's basic warranty was 3 years/36,000 miles, and the powertrain warranty was 5 years/60,000 miles. This means that by the end of the 5-year ownership period, some major components might just be coming out of warranty. **Scheduled Maintenance (up to 60,000 miles):** * **Minor Services (every 6,000 miles):** Oil changes, tire rotations, inspections. Each service costs approximately **$100 - $180**. * **Intermediate Services (e.g., 30,000 miles):** Air filters, cabin filters, fluid checks/top-offs, spark plug inspection (4-cylinder). Costs around **$300 - $500**. * **Major Services (e.g., 60,000 miles):** More comprehensive inspection, potentially spark plugs (6-cylinder), differential fluid change, brake fluid flush, etc. Costs can range from **$600 - $1,000+**. * **Estimated 5-Year Scheduled Maintenance:** Approximately **$2,000 - $3,000**. **Common Wear & Potential Repairs (within 5 years/60,000 miles, beyond basic warranty for some items):** * **Brakes (pads/rotors):** Typically needed every 30,000-50,000 miles. Cost: **$400 - $800** per axle. * **Tires:** Original tires may need replacement around 40,000-60,000 miles. Cost: **$600 - $1,200+** per set. * **Battery Replacement:** Usually every 3-5 years. Cost: **$150 - $250**. * **Wheel Bearings:** A known Subaru wear item, though less frequent on newer models within 5 years. Cost: **$300 - $600** per bearing if needed. * **Oxygen/Air-Fuel Sensors:** Can occasionally fail. Cost: **$200 - $400**. * **Estimated 5-Year Repair Contingency:** Budget an additional **$1,000 - $2,500** for unexpected repairs or common wear items beyond standard maintenance. For the 2017 model year, major CVT issues were less common, but a full replacement could cost $3,000-$8,000 if it were to occur outside warranty. * **Total Estimated 5-Year Maintenance & Repairs:** **$3,000 - $5,500**.

Estimated Total 5-Year Ownership Cost for a 2017 Subaru Outback

Summing up the categories, the overall cost of owning a 2017 Subaru Outback for five years (from new purchase in 2017 to 2022) is substantial, reflecting its value and utility. This estimate does not include financing costs, taxes, or registration fees, which can also vary widely. * **Depreciation:** $12,000 - $15,000 * **Fuel:** $8,000 - $10,500 * **Insurance:** $6,000 - $8,000 * **Maintenance & Repairs:** $3,000 - $5,500 **Total Estimated 5-Year Ownership Cost:** **$29,000 - $39,000**

Pros

  • Excellent resale value and strong long-term demand for used models.
  • Generally reliable powertrain (especially the 3.6R) and robust Symmetrical All-Wheel Drive system.
  • High safety ratings (e.g., IIHS Top Safety Pick+) can contribute to better insurance rates and peace of mind.

Cons

  • Fuel economy is average for its class, particularly the 3.6R engine, and lower than some 2WD competitors.
  • Some specific repairs, such as complex AWD component fixes or potential CVT issues (though less common for 2017 models), can be costly if they occur.
  • Standard AWD can mean slightly higher tire costs (due to needing full sets replaced) and sometimes more complex maintenance than 2WD vehicles.

Risk Factors

  • Unforeseen major mechanical failures (e.g., CVT replacement outside warranty) could significantly increase ownership costs.
  • Fluctuating fuel prices can impact the total fuel expenditure more dramatically than estimated.
  • Accidents can lead to increased insurance premiums, deductibles, and out-of-pocket repair expenses if not fully covered.

Want the full picture?

Get a comprehensive Reliability Report with risk scores, repair costs, and mileage danger zones.

People Also Ask

Is the 2017 Subaru Outback a reliable car?

Yes, the 2017 Subaru Outback generally has good reliability ratings. Consumer Reports gave it an 'Average' reliability score, and it benefits from strong owner satisfaction. While some common Subaru issues like wheel bearings or infotainment quirks can arise, major powertrain problems are less frequent compared to earlier generations.

What is the average lifespan of a 2017 Subaru Outback?

With proper maintenance, a 2017 Subaru Outback can reliably last 200,000 to 250,000 miles or even more. Many owners report driving their Outbacks for over 15 years.

Does the 2017 Subaru Outback have head gasket problems?

No, the 2017 Subaru Outback, equipped with the FB25 (2.5L) and EZ36D (3.6L) engines, largely resolved the head gasket issues that plagued some older Subaru models. These newer engine designs are much more robust in this regard.

How much does a CVT replacement cost for a Subaru Outback?

While less common for the 2017 model year, a Continuously Variable Transmission (CVT) replacement for an Outback can be very expensive, typically ranging from $3,000 to $8,000, depending on parts and labor. The 2017 model's powertrain warranty covered the CVT for 5 years/60,000 miles.

What is the real-world MPG for a 2017 Outback 2.5i?

Real-world MPG for the 2017 Outback 2.5i typically ranges from 23-26 MPG combined, slightly varying from the EPA's 25 MPG combined rating depending on driving style and conditions.

How often does a 2017 Outback need maintenance?

A 2017 Subaru Outback requires routine maintenance every 6,000 miles or every 6 months, whichever comes first. This includes oil changes, tire rotations, and general inspections. More comprehensive services are typically scheduled at 30,000 and 60,000-mile intervals.

What are common problems with a 2017 Subaru Outback?

Common issues reported for the 2017 Outback include minor infotainment glitches, occasional premature wear of wheel bearings (though less frequent than older models), and sometimes minor electrical gremlins. Major mechanical failures are not widespread.

Is the 2017 Outback expensive to maintain?

No, the 2017 Outback is generally considered to have average maintenance costs for its segment. Routine services are reasonably priced, and while some specific repairs (like the AWD system) can be pricier, overall costs are competitive.

Keep reading

See the full 2017 Subaru Outback reliability analysis

Score, risk level, mileage danger zones, and expert verdict — all on one page.

All scores follow our 7-factor reliability methodology.