Subaru Legacy Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 22, 2024

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Subaru Legacy insurance
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.

Estimated insurance rates for a Subaru Legacy are $1,350 a year for full coverage. Comprehensive costs on average $370, collision costs $506, and liability insurance is $338. A liability-only policy costs around $394 a year, with high-risk insurance costing around $2,872. Teenage drivers pay the most at $4,778 a year or more.

Average premium for full coverage: $1,350

Premium estimates by type of coverage:

Comprehensive $370
Collision $506
Liability $338

Full coverage includes $500 deductible amounts, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates include averaging for all states and for different Legacy trim levels.

Insurance Price Range by Risk and Coverage

For a driver around age 40, insurance rates for a Subaru Legacy go from as low as $394 for just liability insurance to a much higher rate of $2,872 for a policy for a high-risk driver.

Liability Only $394
Full Coverage $1,350
High Risk $2,872

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on car insurance rates. Rural areas are statistically proven to have a lower frequency of accident claims than densely populated cities.

The price range example below illustrates the difference between rural and urban areas on car insurance rates.

Rural Areas $1,013
Small Cities $1,418
Large Cities $1,823

These rate differences show why anyone shopping for car insurance should compare rates quotes based on a specific location and risk profile, rather than relying 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.

More Rate Details

The chart below shows estimated Subaru Legacy insurance rates for different risk profiles and scenarios.

  • The best discount rate is $785
  • Raising to $1,000 deductibles will save around $200 a year
  • The average rate for a 40-year-old good driver with $500 deductibles is $1,350
  • Using more expensive low deductibles will increase the cost to $1,730
  • Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,872 or more
  • An auto insurance policy for full coverage for a teen driver with full coverage may cost $4,778

View Chart as Image

Subaru Legacy insurance cost comparison chart
Column chart showing full coverage Subaru Legacy insurance rates range from $785 to $4,778

Auto insurance prices for a Subaru Legacy also have a wide range based on your driving characteristics, the trim level of your Legacy, and policy deductibles and limits.

An older driver with a good driving record and high deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay upwards of $4,700 a year. View Rates by Age

Where you choose to live also has a big influence on Subaru Legacy insurance rates. A middle-age driver might find prices as low as $890 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,930 on average in Michigan, Louisiana, and New York.

Subaru Legacy Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,220 -$130 -9.6%
Alaska $1,036 -$314 -23.3%
Arizona $1,120 -$230 -17.0%
Arkansas $1,350 -$0 0.0%
California $1,538 $188 13.9%
Colorado $1,288 -$62 -4.6%
Connecticut $1,386 $36 2.7%
Delaware $1,528 $178 13.2%
Florida $1,688 $338 25.0%
Georgia $1,248 -$102 -7.6%
Hawaii $972 -$378 -28.0%
Idaho $916 -$434 -32.1%
Illinois $1,006 -$344 -25.5%
Indiana $1,018 -$332 -24.6%
Iowa $910 -$440 -32.6%
Kansas $1,282 -$68 -5.0%
Kentucky $1,842 $492 36.4%
Louisiana $1,998 $648 48.0%
Maine $834 -$516 -38.2%
Maryland $1,114 -$236 -17.5%
Massachusetts $1,078 -$272 -20.1%
Michigan $2,344 $994 73.6%
Minnesota $1,132 -$218 -16.1%
Mississippi $1,618 $268 19.9%
Missouri $1,198 -$152 -11.3%
Montana $1,448 $98 7.3%
Nebraska $1,062 -$288 -21.3%
Nevada $1,618 $268 19.9%
New Hampshire $974 -$376 -27.9%
New Jersey $1,508 $158 11.7%
New Mexico $1,196 -$154 -11.4%
New York $1,420 $70 5.2%
North Carolina $778 -$572 -42.4%
North Dakota $1,106 -$244 -18.1%
Ohio $930 -$420 -31.1%
Oklahoma $1,384 $34 2.5%
Oregon $1,236 -$114 -8.4%
Pennsylvania $1,288 -$62 -4.6%
Rhode Island $1,800 $450 33.3%
South Carolina $1,224 -$126 -9.3%
South Dakota $1,140 -$210 -15.6%
Tennessee $1,182 -$168 -12.4%
Texas $1,626 $276 20.4%
Utah $1,000 -$350 -25.9%
Vermont $922 -$428 -31.7%
Virginia $810 -$540 -40.0%
Washington $1,044 -$306 -22.7%
West Virginia $1,236 -$114 -8.4%
Wisconsin $932 -$418 -31.0%
Wyoming $1,202 -$148 -11.0%

View Chart as Image

Subaru Legacy insurance rates by U.S. city

Using high physical damage deductibles can reduce prices by up to $580 each year, while increasing your policy's liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost up to $304 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at a minimum $1,500 to $2,100 in extra premium annually, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 44% to 125% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the only way to know exactly what you will pay is to compare prices from as many companies as possible. Every auto insurance company uses a different method to calculate prices, and quoted prices will be substantially different from one company to the next.

Insurance Rates by Trim Level and Model Year

Subaru Legacy Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Subaru Legacy 2.5I $1,224 $102
Subaru Legacy 2.5I Premium $1,266 $106
Subaru Legacy 2.5I Premium $1,266 $106
Subaru Legacy 2.5I Limited $1,350 $113
Subaru Legacy 3.6R $1,350 $113
Subaru Legacy 3.6R Premium $1,350 $113
Subaru Legacy 2.5 GT Limited $1,422 $119
Subaru Legacy 2.5 GT Limited $1,422 $119
Subaru Legacy 2.5 GT Limited $1,422 $119
Subaru Legacy 2.5GT Premium $1,392 $116
Subaru Legacy 3.6R Limited $1,392 $116

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.

Subaru Legacy Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Subaru Legacy $384 $512 $332 $1,364
2023 Subaru Legacy $370 $506 $338 $1,350
2022 Subaru Legacy $356 $494 $354 $1,340
2021 Subaru Legacy $344 $474 $364 $1,318
2020 Subaru Legacy $326 $458 $376 $1,296
2019 Subaru Legacy $312 $424 $384 $1,256
2018 Subaru Legacy $300 $400 $388 $1,224
2017 Subaru Legacy $288 $358 $390 $1,172
2016 Subaru Legacy $270 $330 $390 $1,126
2015 Subaru Legacy $260 $310 $394 $1,100
2013 Subaru Legacy $234 $268 $402 $1,040
2012 Subaru Legacy $228 $244 $406 $1,014
2011 Subaru Legacy $212 $222 $402 $972
2010 Subaru Legacy $200 $202 $402 $940
2009 Subaru Legacy $194 $182 $398 $910
2008 Subaru Legacy $190 $178 $390 $894
2007 Subaru Legacy $188 $168 $384 $876
2006 Subaru Legacy $172 $160 $380 $848
2005 Subaru Legacy $166 $152 $376 $830

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 More Affordable Subaru Legacy Insurance

Finding better rates on Subaru Legacy insurance consists of having a good driving record, having good credit, not filing small claims, and taking advantage of discounts. Set aside time to compare rates every year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local insurance agents.

The next list is a summary of the coverage data covered above.

  • Drivers can save as much as $160 per year simply by shopping early and online
  • Increasing policy deductibles can save around $575 each year
  • Drivers age 20 and younger are charged the highest prices, as much as $398 per month if they have full coverage
  • High-risk drivers who have multiple accidents or major violations will pay on average $1,520 more each year to buy Subaru Legacy insurance

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

  1. https://www.iihs.org/ratings/vehicle/subaru/legacy-4-door-sedan/2020

Rates by Driver Age

Subaru Legacy Insurance Rates by Driver Age
Driver Age Premium
16 $4,778
20 $3,032
30 $1,418
40 $1,350
50 $1,228
60 $1,204

Full coverage, $500 deductibles

Rates by Deductible

Subaru Legacy Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,730
$250 $1,556
$500 $1,350
$1,000 $1,150

Full coverage, driver age 40

Rates by Liability Limit

Subaru Legacy Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,350
50/100 $1,460
100/300 $1,544
250/500 $1,764
100 CSL $1,493
300 CSL $1,679
500 CSL $1,815

Full coverage, driver age 40

Rates for High Risk Drivers

Subaru Legacy Insurance Rates for High Risk Drivers
Age Premium
16 $6,830
20 $4,806
30 $2,946
40 $2,872
50 $2,730
60 $2,704

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.

SR-22 Surcharge $178

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $73
Multi-vehicle $66
Homeowner $19
5-yr Accident Free $97
5-yr Claim Free $86
Paid in Full/EFT $62
Advance Quote $65
Online Quote $97
Total Discounts $565
Rate after discounts $785

Discounts are estimated and may not be available from every company or in every state.

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