Subaru Legacy Insurance Rates
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UPDATED: Jun 1, 2023
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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.
U.S. average insurance prices for a Subaru Legacy are $1,350 every 12 months for full coverage. Comprehensive insurance costs an estimated $370, collision costs $506, and liability costs $338. A policy with just liability insurance costs as little as $394 a year, with coverage for high-risk drivers costing $2,872 or more. Teen drivers pay the highest rates at $4,778 a year or more.
Average premium for full coverage: $1,350
Price estimates broken down by individual coverage:
Full coverage includes $500 policy deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and for all Legacy models.
Price Range from Low to High
For a driver around age 40, Subaru Legacy insurance prices go from the cheapest price of $394 for the bare minimum liability coverage to the much higher price of $2,872 for high-risk insurance.
Geographic Price Range
Your location can make a big difference on insurance rates. More rural locations have more infrequent accident claims than larger metro areas.
The example below illustrates the difference between rural and urban areas on insurance prices.
The ranges above show 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 customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Information
The chart below shows estimated Subaru Legacy insurance rates for other coverage scenarios.
- The lowest rate with discounts is $785
- Drivers who choose higher $1,000 deductibles will pay approximately $200 a year
- The average price for the average middle-age driver who has $500 deductibles is $1,350
- Choosing pricier low deductibles for comprehensive and collision insurance costs an extra $380 annually
- Drivers with multiple violations and an at-fault accident could pay up to $2,872 or more
- The price to insure a 16-year-old driver for full coverage can cost as much as $4,778 a year
Insurance prices for a Subaru Legacy are also quite variable based on deductibles and policy limits, your driver profile, and the model year and trim level.
Choosing high deductibles could save up to $580 annually, whereas buying more liability protection will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $304 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles may pay as low as $1,300 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay at least $4,700 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying $1,500 to $2,100 extra each year, depending on your age. Subaru Legacy insurance for high-risk drivers can cost from 44% to 125% more than average. View High Risk Driver Rates
The state you live in makes a big difference in Subaru Legacy insurance prices. A 40-year-old driver could pay as low as $890 a year in states like Iowa, Maine, and Idaho, or as much as $1,930 on average in New York, Louisiana, and Michigan.
| 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% |
Since prices can be so different, the only way to know which car insurance is cheapest is to regularly compare prices from multiple companies. Every company uses a different rate calculation, so the prices may be quite different.
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Shop for More Affordable Subaru Legacy Insurance
Getting lower rates on insurance for a Subaru Legacy not only requires avoiding accidents and claims, but also having good credit, eliminating unnecessary coverage, and taking advantage of discounts. Set aside time to compare rates every couple of years by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The points below are a summary of the material that was covered above.
- Insureds who want increased liability limits will pay about $370 each year to go from a low limit to a 250/500 level
- Drivers under the age of 20 are charged the highest prices, with premiums as much as $398 a month if they have full coverage
- Drivers considered higher risk who have multiple accidents or major violations pay on average $1,520 more annually to insure a Subaru Legacy
- Increasing physical damage deductibles could save as much as $575 each year
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 | $4,778 |
| 20 | $3,032 |
| 30 | $1,418 |
| 40 | $1,350 |
| 50 | $1,228 |
| 60 | $1,204 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,730 |
| $250 | $1,556 |
| $500 | $1,350 |
| $1,000 | $1,150 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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