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.
The average insurance prices for a Subaru Legacy are $1,364 every 12 months with full coverage. Comprehensive costs an estimated $384 a year, collision costs $512, and liability is estimated at $332. A liability-only policy costs approximately $388 a year, with high-risk insurance costing around $2,890. Teen drivers cost the most to insure at $4,782 a year or more.
Average premium for full coverage: $1,364
Policy rates broken down by type of insurance:
Rate estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and Legacy trim levels.
Price Range Variability
For the average 40-year-old driver, Subaru Legacy insurance rates go from the cheapest price of $388 for just liability insurance to a high of $2,890 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on car insurance rates. More rural locations are shown to have more infrequent collision claims than larger metro areas.
The diagram below illustrates the difference location can make on insurance prices.
The examples above demonstrate why it is important to get quotes for a targeted area and their own driving history, 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.
More Rate Details
The chart below details estimated Subaru Legacy insurance rates for other coverage scenarios.
- The lowest rate with discounts is $795
- Choosing higher $1,000 deductibles can save approximately $1,158 annually
- The average price for a good driver age 40 who has $500 deductibles is $1,364
- Choosing low $100 deductibles for comp and collision coverage increases the price to $1,752
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,890 or more
- Policy cost to insure a 16-year-old driver can cost as much as $4,782 each year
Car insurance rates for a Subaru Legacy also range considerably based on liability limits and deductibles, your driving record, and the model year and trim level.
Choosing high deductibles can save as much as $600 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $299 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged at least $4,700 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you may be forking out $1,600 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy ranges from 44% to 132% more than average. View High Risk Driver Rates
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 $980 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,840 on average in New York, Michigan, 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% |
Because rates have so much variability, the best way to find out which auto insurance is cheapest is to get quotes from multiple companies. Each auto insurer uses a different rate calculation, so rate quotes will be varied.
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 Shop for the Best Subaru Legacy Insurance
Finding cheaper rates on insurance for a Subaru Legacy takes avoiding accidents and violations, maintaining a good credit score, not filing small claims, and not having any coverage lapses. Make time to compare rates at least once a year by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.
The list below is a brief recap of the primary concepts that were touched on in this article.
- You may be able to save approximately $160 per year simply by quoting early and online
- Drivers considered higher risk who tend to receive serious violations may pay on average $1,530 more annually for car insurance
- Increasing comprehensive and collision deductibles could save as much as $600 each year
- Teenagers have the highest car insurance rates, as much as $399 each month if the policy includes full coverage
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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