Subaru Legacy 3.6R Insurance Rates

Estimated insurance prices for a Subaru Legacy 3.6R are $1,396 every 12 months for full coverage insurance. Comprehensive costs an estimated $410, collision insurance costs $540, and liability costs $310. Liability-only insurance costs as little as $370 a year, and high-risk driver insurance costs around $2,950. Teen drivers pay the most at up to $4,826 a year.

Annual premium for full coverage: $1,396

Premium estimates broken down by 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

Insurance Price Range by Location

Your location can make a big difference on the price of insurance. More rural locations are statistically proven to have more infrequent physical damage claims than larger metro areas. The example below illustrates the effect of geographic area on insurance prices.

These rate differences illustrate why everyone should compare rates for a targeted area and their own driving history, instead of making a decision based on price averages.

Use the form below to get rates for your location.

Insurance prices for a Subaru Legacy 3.6R also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model year.

Choosing high deductibles could save up to $630 annually, whereas buying more liability protection will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $279 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for drivers in their teens, since even excellent drivers should be prepared to pay at least $4,800 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying $1,600 to $2,100 additional annually, depending on your age. Subaru Legacy 3.6R insurance for high-risk drivers can cost from 44% to 129% more than average. View High Risk Driver Rates

Where you choose to live makes a big difference in Subaru Legacy 3.6R insurance prices. A 40-year-old driver could pay as low as $1,180 a year in states like , , and North Carolina, or as much as $1,800 on average in California, Montana, and Michigan. Rates by state and city are shown later in the article.

With such a large range of rates, the only way to figure out who has the best car insurance rates is to regularly compare rates from multiple companies. Every company uses a different rate calculation, and rates will be substantially different.

View Chart as Image

The chart estimates Subaru Legacy 3.6R insurance rates for various coverage choices and risks. The cheapest discount rate is $811. Drivers who choose higher $1,000 deductibles will pay $1,180. The average rate for a driver around age 40 using $500 deductibles is $1,396. Selecting more expensive $100 deductibles for physical damage coverage can cost as much as $1,808. High risk drivers could be charged up to $2,950. The rate for full coverage insurance for a teenage driver is $4,826.

View Chart as Image