Subaru Legacy Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Apr 22, 2024

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Subaru Legacy insurance
Finding cheap Subaru Legacy insurance costs doesn’t have to be confusing. Subaru Legacy insurance rates cost an average of $1,388 a year, or $115 a month. Learn what you can do to save on Subaru Legacy costs in our guide.

To jump right into finding Subaru Legacy GT insurance rates (or rates for any Subaru Legacy build), enter your ZIP code in our free tool above.

The average auto insurance rates for a Subaru Legacy are $1,364 annually including full coverage. Comprehensive insurance costs an estimated $384, collision insurance costs $512, and liability is estimated at $332. Liability-only insurance costs approximately $388 a year, and high-risk driver insurance costs $2,890 or more. Teen drivers cost the most to insure at up to $4,782 a year.

Average premium for full coverage: $1,364

Policy rates broken down by type of insurance:

Comprehensive $384
Collision $512
Liability $332

Prices include $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all Legacy models.

Price Range Variability

For the normal driver, Subaru Legacy insurance rates range from as cheap as $388 for just the minimum liability insurance to the much higher price of $2,890 for a high-risk driver policy.

Liability Only $388
Full Coverage $1,364
High Risk $2,890

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than larger metro areas. The example below illustrates how geographic area affects insurance prices.

Rural Areas $1,023
Small Cities $1,432
Large Cities $1,841

The examples above highlight why everyone should get quotes for a targeted area and their own personal driving habits, instead of making a decision based on price averages.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Rate Analysis

The chart below breaks down average Subaru Legacy insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $795
  • Choosing higher $1,000 deductibles can save approximately $206 every year
  • The estimated rate for a good driver age 40 who has $500 deductibles is $1,364
  • Choosing pricier low deductibles for comp and collision coverage costs an additional $388 annually
  • Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,890
  • Policy cost with full coverage for a 16-year-old driver for full coverage can cost as much as $4,782 each year

View Chart as Image

Subaru Legacy insurance cost comparison chart
Column chart showing Subaru Legacy insurance prices range from $795 to $4,782 for full coverage

Auto insurance rates for a Subaru Legacy also range considerably based on the model year and trim level, your driving characteristics, and liability limits and deductibles.

A more mature driver with a good driving record and high physical damage deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay at least $4,700 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying $1,600 to $2,100 in extra premium every year, depending on your age. Subaru Legacy insurance for high-risk drivers ranges from 44% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $600 annually, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $299 extra every year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Subaru Legacy insurance prices. A good driver about age 40 could pay as low as $1,050 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,940 on average in Louisiana, New York, and Michigan.

Subaru Legacy Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,232 -$132 -9.7%
Alaska $1,046 -$318 -23.3%
Arizona $1,130 -$234 -17.2%
Arkansas $1,364 -$0 0.0%
California $1,552 $188 13.8%
Colorado $1,300 -$64 -4.7%
Connecticut $1,400 $36 2.6%
Delaware $1,540 $176 12.9%
Florida $1,702 $338 24.8%
Georgia $1,260 -$104 -7.6%
Hawaii $978 -$386 -28.3%
Idaho $922 -$442 -32.4%
Illinois $1,012 -$352 -25.8%
Indiana $1,028 -$336 -24.6%
Iowa $920 -$444 -32.6%
Kansas $1,294 -$70 -5.1%
Kentucky $1,860 $496 36.4%
Louisiana $2,016 $652 47.8%
Maine $842 -$522 -38.3%
Maryland $1,126 -$238 -17.4%
Massachusetts $1,086 -$278 -20.4%
Michigan $2,366 $1,002 73.5%
Minnesota $1,142 -$222 -16.3%
Mississippi $1,632 $268 19.6%
Missouri $1,210 -$154 -11.3%
Montana $1,464 $100 7.3%
Nebraska $1,074 -$290 -21.3%
Nevada $1,634 $270 19.8%
New Hampshire $982 -$382 -28.0%
New Jersey $1,524 $160 11.7%
New Mexico $1,204 -$160 -11.7%
New York $1,434 $70 5.1%
North Carolina $784 -$580 -42.5%
North Dakota $1,118 -$246 -18.0%
Ohio $938 -$426 -31.2%
Oklahoma $1,398 $34 2.5%
Oregon $1,248 -$116 -8.5%
Pennsylvania $1,300 -$64 -4.7%
Rhode Island $1,818 $454 33.3%
South Carolina $1,234 -$130 -9.5%
South Dakota $1,150 -$214 -15.7%
Tennessee $1,192 -$172 -12.6%
Texas $1,644 $280 20.5%
Utah $1,008 -$356 -26.1%
Vermont $932 -$432 -31.7%
Virginia $814 -$550 -40.3%
Washington $1,052 -$312 -22.9%
West Virginia $1,250 -$114 -8.4%
Wisconsin $942 -$422 -30.9%
Wyoming $1,214 -$150 -11.0%

View Chart as Image

Subaru Legacy insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Subaru Legacy Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Subaru Legacy 2.5I $1,236 $103
Subaru Legacy 2.5I Premium $1,278 $107
Subaru Legacy 2.5I Premium $1,278 $107
Subaru Legacy 2.5I Limited $1,364 $114
Subaru Legacy 3.6R $1,364 $114
Subaru Legacy 3.6R Premium $1,364 $114
Subaru Legacy 2.5 GT Limited $1,436 $120
Subaru Legacy 2.5 GT Limited $1,436 $120
Subaru Legacy 2.5 GT Limited $1,436 $120
Subaru Legacy 2.5GT Premium $1,408 $117
Subaru Legacy 3.6R Limited $1,408 $117

Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Subaru Legacy Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Subaru Legacy $404 $532 $316 $1,388
2023 Subaru Legacy $384 $512 $332 $1,364
2022 Subaru Legacy $370 $506 $338 $1,350
2021 Subaru Legacy $356 $494 $354 $1,340
2020 Subaru Legacy $344 $474 $364 $1,318
2019 Subaru Legacy $326 $458 $376 $1,296
2018 Subaru Legacy $312 $424 $384 $1,256
2017 Subaru Legacy $300 $400 $388 $1,224
2016 Subaru Legacy $288 $358 $390 $1,172
2015 Subaru Legacy $270 $330 $390 $1,126
2014 Subaru Legacy $260 $310 $394 $1,100
2013 Subaru Legacy $254 $288 $402 $1,080
2012 Subaru Legacy $234 $268 $402 $1,040
2011 Subaru Legacy $228 $244 $406 $1,014
2010 Subaru Legacy $212 $222 $402 $972
2009 Subaru Legacy $200 $202 $402 $940
2008 Subaru Legacy $194 $182 $398 $910
2007 Subaru Legacy $190 $178 $390 $894
2006 Subaru Legacy $188 $168 $384 $876
2005 Subaru Legacy $172 $160 $380 $848

Rates are averaged for all Subaru Legacy models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy the Right Subaru Legacy Insurance

Finding cheaper rates on insurance for a Subaru Legacy takes being safe and accident-free, having above-average credit, paying for small claims out-of-pocket, and consideration of higher deductibles. Invest the time to compare rates every time your policy renews by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below you'll find a quick rundown of the information presented in the illustrations above.

  • You may be able to save approximately $160 per year just by quoting online well ahead of the renewal date
  • Youthful drivers are the costliest to insure, with premiums being up to $399 each month if full coverage is included
  • Increasing comprehensive and collision deductibles could save up to $600 each year
  • Drivers considered higher risk with reckless driving or DUI convictions could be forced to pay on average $1,530 more annually than a low-risk driver
  • Insureds who want more liability protection will pay about $370 per year to raise limits from a 30/60 limit to higher 250/500 limits

The best way to save on rates is to shop around for a Legacy insurance policy, whether you are looking for Legacy auto insurance in Colorado or Legacy Arizona auto insurance. To find the best prices for anything from Legacy insurance in Phoenix to 2014 Subaru Legacy costs, enter your ZIP code in our free tool below.

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What are the safety ratings of the Subaru Legacy?

The Subaru Legacy has some great safety features that can earn you a discount, such as essential airbags, brake assist, electronic stability control, lane departure warning, and lane-keeping assist.

In addition, the Insurance Institute for Highway Safety (IIHS) gave the 2020 Subaru Legacy a 2020 Top Safety Pick award for its great crash test ratings (below).

  • Small overlap front (driver-side): Good
  • Small overlap front (passenger-side): Good
  • Moderate overlap front: Good
  • Side: Good
  • Roof strength: Good
  • Head restraints and seats: Good

The video below demonstrates one of the IIHS tests performed on the Subaru Legacy.

Subaru Legacy Compared Against Other Vehicles in the Same Class

The Subaru Legacy is a midsize car, which can affect its liability rates. The IIHS recorded the Subaru Legacy’s liability losses as average and substantially better than average, which is great. Take a look at the other midsize cars below to see how their insurance rates compare to the Subaru Legacy’s rates.

To start comparison shopping for Subaru Legacy insurance rates, enter your ZIP code in our free tool.

References

  1. https://www.iihs.org/ratings/vehicle/subaru/legacy-4-door-sedan/2020

Rates by Driver Age

Subaru Legacy Insurance Rates by Driver Age
Driver Age Premium
16 $4,782
20 $3,044
30 $1,434
40 $1,364
50 $1,238
60 $1,214

Full coverage, $500 deductibles

Rates by Deductible

Subaru Legacy Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,752
$250 $1,576
$500 $1,364
$1,000 $1,158

Full coverage, driver age 40

Rates by Liability Limit

Subaru Legacy Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,364
50/100 $1,474
100/300 $1,557
250/500 $1,773
100 CSL $1,508
300 CSL $1,690
500 CSL $1,823

Full coverage, driver age 40

Rates for High Risk Drivers

Subaru Legacy Insurance Rates for High Risk Drivers
Age Premium
16 $6,840
20 $4,828
30 $2,968
40 $2,890
50 $2,746
60 $2,718

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $179

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $74
Multi-vehicle $66
Homeowner $19
5-yr Accident Free $98
5-yr Claim Free $87
Paid in Full/EFT $62
Advance Quote $65
Online Quote $98
Total Discounts $569
Rate after discounts $795

Discounts are estimated and may not be available from every company or in every state.

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