Subaru Legacy Insurance Rates
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UPDATED: Apr 22, 2024
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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.
U.S. average insurance rates for a Subaru Legacy are $1,364 a year for full coverage insurance. Comprehensive insurance costs around $384 a year, collision insurance costs $512, and liability costs $332. A policy with just liability insurance costs as little as $388 a year, and coverage for high-risk drivers costs $2,890 or more. Teenage drivers pay the highest rates at up to $4,782 a year.
Average premium for full coverage: $1,364
Price estimates for individual coverage:
Prices are based on $500 policy deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and Legacy trim levels.
Price Range from Low to High
For a 40-year-old driver, Subaru Legacy insurance prices range from the low end price of $388 for basic liability insurance to a high of $2,890 for a high-risk insurance policy.
Geographic Price Range
Your location can make a big difference on car insurance rates. Areas with sparse population have lower incidents of physical damage claims than densely populated cities. The diagram below illustrates how your location can change auto insurance rates.
The ranges above illustrate why it is important to compare rates for a specific zip code, instead of making a decision based on average rates.
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.
Rate Comparisons
The chart below illustrates average Subaru Legacy insurance rates for additional coverage choices and driver risks.
- The best discount rate is $795
- Drivers who choose higher $1,000 deductibles will pay about $1,158 each year
- The estimated price for the average middle-age driver using $500 deductibles is $1,364
- Using low $100 deductibles for comprehensive and collision insurance will cost an additional $388 annually
- Drivers who are prone to accidents and violations could pay at least $2,890
- The price that insures a 16-year-old driver can be $4,782 a year
Insurance prices for a Subaru Legacy are also quite variable based on the trim level of your Legacy, your age and driving record, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you are probably paying at least $1,600 to $2,100 extra each year, depending on your age. A high-risk auto insurance policy can cost from 44% to 132% more than a normal policy. View High Risk Driver Rates
Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay as much as $4,700 a year. View Rates by Age
The state you live in makes a big difference in Subaru Legacy insurance prices. A 40-year-old driver could pay as low as $890 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,840 on average in Michigan, New York, and Florida.
| 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% |
Using high physical damage deductibles could save up to $600 annually, while buying higher liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $299 more per year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Find Affordable Subaru Legacy Insurance
Getting lower rates on insurance for a Subaru Legacy not only requires being safe and accident-free, but also having above-average credit, not filing small claims, and dropping full coverage on older vehicles. Compare prices at least every other year by getting rate quotes from direct insurance companies, and also from insurance agencies where you live.
Below you'll find a brief review of the car insurance concepts illustrated above.
- Drivers considered higher risk with DUI or reckless driving convictions could be forced to pay on average $1,530 more every year than a low-risk driver
- It is possible to save up to $160 per year just by quoting early and online
- Increasing physical damage deductibles can save approximately $600 each year
- Insureds who may need more liability protection will pay an extra $370 annually to go from a low limit to the 250/500 level
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
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,752 |
| $250 | $1,576 |
| $500 | $1,364 |
| $1,000 | $1,158 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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