Subaru Legacy 2.5I Limited Insurance Rates

The average insurance rates for a Subaru Legacy 2.5I Limited are $1,396 a year including full coverage. Comprehensive costs around $410, collision insurance costs $540, and liability coverage costs around $310. Liability-only insurance costs as low as $370 a year, and high-risk driver insurance costs around $2,950. Teen drivers cost the most to insure at up to $4,826 a year.

Annual premium for full coverage: $1,396

Policy rates for type of coverage:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Subaru Legacy Trim Level

Urban vs. Rural Price Range

Where you live has a large influence on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than larger metro areas. The example below illustrates how location impacts auto insurance rates.

These price differences highlight why everyone should compare prices for a specific zip code, rather than using price averages.

Use the form below to get rates for your location.

Auto insurance rates for a Subaru Legacy 2.5I Limited also range considerably based on the replacement cost of your Legacy, your driving record and age, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,600 to $2,100 in extra premium every year, depending on your age. Subaru Legacy 2.5I Limited insurance for high-risk drivers can be around 44% to 129% more than average. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Prices are highest for teenagers, since even teens with perfect driving records will have to pay as much as $4,800 a year. View Rates by Age

Your home state has a huge impact on Subaru Legacy 2.5I Limited insurance rates. A driver around age 40 might see prices as low as $1,060 a year in states like , Indiana, and North Carolina, or as much as $1,950 on average in Michigan, Montana, and Louisiana. Rates by state and city are shown later in the article.

Choosing high deductibles could cut prices by as much as $630 a year, whereas buying more liability protection will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise prices by up to $279 extra every year. View Rates by Deductible or Liability Limit

Because prices have so much variability, the best way to figure out your exact price is to regularly compare prices and see how they stack up. Each insurance company uses a different rate calculation, and quoted rates will be varied.

View Chart as Image

The chart above shows average Subaru Legacy 2.5I Limited insurance prices for various risks and coverage choices. The cheapest price with discounts is $811. Drivers who choose higher $1,000 deductibles will pay $1,180. The average price for a driver age 40 with no violations using $500 deductibles is $1,396. Selecting more expensive $100 deductibles for collision and other-than-collision coverage could cost up to $1,808. High risk drivers could be charged around $2,950. The rate for full coverage insurance for a 16-year-old driver can be as high as $4,826.

View Chart as Image