Leasing a Subaru is a practical and increasingly popular way to drive a reliable, well-equipped vehicle without taking on the full financial burden of ownership. Subaru vehicles are known for their all-wheel drive systems, high safety ratings, and long-lasting durability, making them attractive leasing options for a wide range of budgets. But how much does it really cost to lease a Subaru in 2025?
This guide offers a detailed analysis of current lease prices, factors that influence costs, special promotions, financial considerations, and how Subaru compares to the competition in the leasing market.
How Subaru Leasing Works
Before analyzing costs, it’s important to understand what leasing is and how it works with Subaru models.
Leasing a Subaru involves paying to drive the car for a set period (usually 36 months) with specific mileage and usage limits. At the end of the lease term, you return the vehicle to the dealership, unless you choose to purchase it for the predetermined residual value.
Subaru leasing is typically arranged through Subaru Motors Finance, a partnership between Subaru and Chase Bank. This allows for nationwide financing terms and standardized promotional offers at most U.S. dealerships.
Breakdown of 2025 Subaru Lease Costs by Model
Below is the average lease price for Subaru models in 2025. These prices are based on 36-month terms, 10,000 to 12,000 miles per year, and are based on good credit (typically above 700). Down payments are shown in ranges due at signing and include taxes, title, and fees.
| Model | MSRP Range | Monthly Lease Estimate | Down Payment | Residual Value (est.) |
|---|---|---|---|---|
| Impreza | $22,995–$28,000 | $240–$320 | $2,000–$3,000 | 57%–61% |
| Crosstrek | $25,195–$32,195 | $280–$360 | $2,000–$3,000 | 58%–62% |
| Legacy | $24,895–$38,795 | $300–$380 | $2,000–$3,000 | 54%–60% |
| Forester | $27,095–$38,390 | $320–$410 | $2,000–$3,000 | 56%–61% |
| Outback | $28,895–$43,000 | $340–$430 | $2,000–$3,000 | 55%–60% |
| Ascent | $35,490–$49,790 | $390–$490 | $2,500–$3,500 | 52%–58% |
| WRX | $32,735–$44,215 | $430–$520 | $2,500–$3,500 | 51%–56% |
| Solterra (EV) | $44,995–$51,995 | $440–$550 | $2,500–$3,500 | 48%–55% |
Note: Pricing can vary based on local taxes, incentives, dealership markup, and your credit score.
What’s Included in the Monthly Lease Payment?
Your lease payment is calculated based on four main components:
a. Depreciation
The most important factor. It’s the difference between the car’s manufacturer’s suggested retail price (MSRP) and its expected value at the end of the lease (residual value). Subaru vehicles hold their value relatively well, which helps keep monthly payments lower.
b. Money Factor
This is the leasing version of an interest rate. A money factor of 0.00125 roughly translates to an annual interest rate of 3%. A low credit score will increase this factor, which will increase your payments.
c. Taxes and Fees
In most states, sales tax is added to your monthly payment. You’ll also pay acquisition, documentation, and DMV fees when you sign the lease, which typically total between $800 and $1,500.
d. Mileage Limit
Standard Subaru leases offer a mileage limit of 10,000 to 12,000 per year. If you exceed this limit, you’ll be charged an excess mileage fee, typically between $0.15 and $0.25 per mile.
Comparing Lease vs. Loan Payments
| Factor | Leasing | Financing (Loan) |
|---|---|---|
| Monthly Payments | Lower | Higher |
| Ownership | No—you return it | Yes—you own it after term |
| Upfront Costs | Moderate | Higher (especially for down payment) |
| Mileage Limits | Yes (overage fees apply) | No |
| Customization Allowed | Limited | Unlimited |
| Long-Term Cost | Higher if leasing continuously | Lower if keeping car >6 years |
| Maintenance Coverage | Often under warranty | Out of pocket after 3–5 years |
If you’re looking for new features every few years and lower payments, leasing is ideal. If you drive a lot and plan to keep the vehicle long-term, buying is more cost-effective.
Promotions, Incentives, and Special Lease Offers
Subaru frequently offers nationwide lease specials, usually advertised on its official website and dealer websites. These offers change monthly and are usually limited to specific trim levels or regions.
Typical Lease Deals Include:
- Promotional leases (e.g., $289 per month for 36 months with a $2,499 payment due at signing)
- Low-cash financing through Subaru Motors Finance
- Loyalty discounts (if you trade in a Subaru)
- Discounts for college graduates and military personnel
- Solterra EV lease offers with federal tax credits applied
Always read the fine print: these offers often require top-tier credit and specific lease structures.
Credit Score and Its Impact on Lease Cost
Here’s how credit score affects your leasing options:
| Credit Score | Approval Likelihood | Money Factor | Lease Terms |
|---|---|---|---|
| 750+ | Excellent | Very Low | Best promotional offers |
| 700–749 | Good | Low | Eligible for most programs |
| 650–699 | Fair | Moderate | Higher monthly payments |
| 600–649 | Subprime | High | May require co-signer/down payment |
| Below 600 | Poor | Very High | May be denied lease approval |
Subaru Leasing vs. Competitor Brands
Subaru is known for strong residual values and practical AWD systems. Here’s how it stacks up against key rivals:
| Brand | Strengths | Weaknesses |
|---|---|---|
| Subaru | AWD standard, high resale value | Fewer luxury features at base trims |
| Toyota | Long-term reliability, hybrid options | Lower AWD availability |
| Honda | Comfortable, efficient, good resale | FWD-based lineup |
| Mazda | Upscale interiors, solid handling | Less rear cargo space |
| Hyundai/Kia | Excellent tech, long warranties | Lower resale values |
Subaru’s combination of standard all-wheel drive, solid lease terms, and high reliability make it a solid choice for people in regions with harsh climates or who value long-term reliability.
Lease-End Options
At the end of your Subaru lease, you typically have three options:
a. Return the car
Pay any excess mileage or wear and tear charges and walk away.
b. Buy the vehicle
You can buy the vehicle at the residual value stated in your lease agreement. This is a good idea if the market value exceeds the purchase price.
c. Trade it in
Use the available equity to lease or buy a new Subaru.
9. Common Lease Fees and Penalties
It’s critical to know about the following costs that may arise:
- Excess Wear and Tear: Dings, interior damage, or tire wear can result in penalties.
- Disposition Fee: Usually $300–$400 when returning the vehicle.
- Early Termination Fee: Terminating a lease early can cost thousands unless you transfer the lease or pay the difference in remaining payments.
Conclusion: Is Leasing a Subaru Right for You?
Leasing a Subaru in 2025 typically costs between $240 and $550 per month, depending on the model, equipment, term, and your credit history. With standard all-wheel drive, solid safety features, and good resale value, Subaru models are especially cost-effective to lease compared to the competition.
