Subaru Legacy 2.5I Insurance Rates
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U.S. average insurance prices for a Subaru Legacy 2.5I are $1,260 every 12 months for full coverage. Comprehensive insurance costs an estimated $368 a year, collision insurance costs $446, and liability coverage costs $310. Buying just liability costs as little as $370 a year, and insurance for high-risk drivers costs $2,648 or more. Teen drivers pay the highest rates at up to $4,392 a year.
Annual premium for full coverage: $1,260
Price estimates broken down by individual coverage type:
40-year-old driver, full coverage with $500 deductibles, and good driving record
Price Range for Insurance for this Subaru Legacy Trim Level
Using a middle-aged driver as an example, Subaru Legacy 2.5I insurance prices range from the cheapest price of $370 for your basic liability-only policy to a high of $2,648 for a high-risk driver policy.
These price ranges show why it is important for drivers to compare rates for a targeted area and their own driving history, rather than using price averages.
Use the form below to get rates for your location.
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Recommended Companies for Cheap Subaru Legacy 2.5I Insurance
Insurance prices for a Subaru Legacy 2.5I are also quite variable based on deductibles and policy limits, your driver profile, and the model year.
Choosing high deductibles could save up to $540 a year, while buying higher liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will increase rates by as much as $279 more each year. View Rates by Deductible or Liability Limit
Older drivers with no violations or accidents and higher deductibles may only pay around $1,200 per year on average for full coverage. Rates are highest for teenage drivers, since even excellent drivers should be prepared to pay at least $4,300 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying $1,400 to $1,900 additional each year, depending on your age. A high-risk auto insurance policy can cost around 43% to 125% more than average. View High Risk Driver Rates
The state you live in makes a big difference in Subaru Legacy 2.5I insurance rates. A 40-year-old driver could pay as low as $900 a year in states like Iowa, Maine, and Idaho, or as much as $1,950 on average in Montana, Louisiana, and Michigan. Rates by state and city are shown later in the article.
Since rates can be so different, the only way to know who has the cheapest car insurance rates is to get quotes and see how they stack up. Every company uses a different rate calculation, and rates may be quite different.
Chart shows Subaru Legacy 2.5I insurance rates for various coverage choices and risks. The cheapest rate with discounts is $744. Drivers who choose higher $1,000 deductibles will pay $1,074. The average rate for a driver around age 40 using $500 deductibles is $1,260. Choosing low $100 deductibles for comprehensive and collision insurance can cost as much as $1,608. High risk drivers could be charged at least $2,648. The cost for full coverage for a teenage driver is $4,392.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,136 | -$124 | -9.8% |
| Alaska | $964 | -$296 | -23.5% |
| Arizona | $1,044 | -$216 | -17.1% |
| Arkansas | $1,260 | -$0 | 0.0% |
| California | $1,434 | $174 | 13.8% |
| Colorado | $1,200 | -$60 | -4.8% |
| Connecticut | $1,292 | $32 | 2.5% |
| Delaware | $1,422 | $162 | 12.9% |
| Florida | $1,570 | $310 | 24.6% |
| Georgia | $1,164 | -$96 | -7.6% |
| Hawaii | $904 | -$356 | -28.3% |
| Idaho | $854 | -$406 | -32.2% |
| Illinois | $936 | -$324 | -25.7% |
| Indiana | $948 | -$312 | -24.8% |
| Iowa | $846 | -$414 | -32.9% |
| Kansas | $1,194 | -$66 | -5.2% |
| Kentucky | $1,716 | $456 | 36.2% |
| Louisiana | $1,862 | $602 | 47.8% |
| Maine | $776 | -$484 | -38.4% |
| Maryland | $1,038 | -$222 | -17.6% |
| Massachusetts | $1,002 | -$258 | -20.5% |
| Michigan | $2,182 | $922 | 73.2% |
| Minnesota | $1,052 | -$208 | -16.5% |
| Mississippi | $1,508 | $248 | 19.7% |
| Missouri | $1,116 | -$144 | -11.4% |
| Montana | $1,350 | $90 | 7.1% |
| Nebraska | $990 | -$270 | -21.4% |
| Nevada | $1,508 | $248 | 19.7% |
| New Hampshire | $906 | -$354 | -28.1% |
| New Jersey | $1,408 | $148 | 11.7% |
| New Mexico | $1,112 | -$148 | -11.7% |
| New York | $1,324 | $64 | 5.1% |
| North Carolina | $724 | -$536 | -42.5% |
| North Dakota | $1,030 | -$230 | -18.3% |
| Ohio | $868 | -$392 | -31.1% |
| Oklahoma | $1,290 | $30 | 2.4% |
| Oregon | $1,154 | -$106 | -8.4% |
| Pennsylvania | $1,198 | -$62 | -4.9% |
| Rhode Island | $1,678 | $418 | 33.2% |
| South Carolina | $1,142 | -$118 | -9.4% |
| South Dakota | $1,060 | -$200 | -15.9% |
| Tennessee | $1,100 | -$160 | -12.7% |
| Texas | $1,516 | $256 | 20.3% |
| Utah | $930 | -$330 | -26.2% |
| Vermont | $860 | -$400 | -31.7% |
| Virginia | $752 | -$508 | -40.3% |
| Washington | $970 | -$290 | -23.0% |
| West Virginia | $1,154 | -$106 | -8.4% |
| Wisconsin | $868 | -$392 | -31.1% |
| Wyoming | $1,120 | -$140 | -11.1% |
Rate Tables and Charts
Not your model?
Choose a different trim level below
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,392 |
| 20 | $2,788 |
| 30 | $1,320 |
| 40 | $1,260 |
| 50 | $1,144 |
| 60 | $1,120 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,608 |
| $250 | $1,452 |
| $500 | $1,260 |
| $1,000 | $1,074 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,260 |
| 50/100 | $1,322 |
| 100/300 | $1,400 |
| 250/500 | $1,601 |
| 100 CSL | $1,353 |
| 300 CSL | $1,524 |
| 500 CSL | $1,648 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,268 |
| 20 | $4,408 |
| 30 | $2,718 |
| 40 | $2,648 |
| 50 | $2,516 |
| 60 | $2,488 |
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 | $67 |
| Multi-vehicle | $60 |
| Homeowner | $17 |
| 5-yr Accident Free | $88 |
| 5-yr Claim Free | $79 |
| Paid in Full/EFT | $56 |
| Advance Quote | $59 |
| Online Quote | $90 |
| Total Discounts | $516 |
Discounts are estimated and may not be available from every company or in every state.
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