Subaru Legacy Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

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: Jun 1, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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.

The average insurance rates for a Subaru Legacy are $1,364 a year for full coverage. Comprehensive costs an estimated $384, collision costs $512, and liability is $332. Liability-only insurance costs around $388 a year, with high-risk driver insurance costing around $2,890. 16-year-old 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:

Comprehensive $384
Collision $512
Liability $332

These estimates include $500 policy deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all states and for all Legacy models.

Price Range Variability

For the average 40-year-old driver, Subaru Legacy insurance rates go from as low as $388 for just liability insurance to the much higher price of $2,890 for a high-risk driver policy.

Liability Only $388
Full Coverage $1,364
High Risk $2,890

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on insurance rates. More rural locations are shown to have a lower frequency of accident claims than congested cities.

The example below illustrates the difference location can make on insurance prices.

Rural Areas $1,023
Small Cities $1,432
Large Cities $1,841

The examples above show why everyone should compare rates quotes for a targeted area and risk profile, instead of making a decision based on rate 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 shows estimated Subaru Legacy insurance rates for other coverage scenarios.

  • The best full coverage rate is $795
  • Raising to $1,000 deductibles will save approximately $206 a year
  • The average rate for a good driver age 40 who has $500 deductibles is $1,364
  • Buying pricier low deductibles will increase the cost to $1,752
  • Drivers with multiple tickets or accidents could pay up to $2,890 or more
  • Policy cost for full coverage for a 16-year-old driver for full coverage can cost as much as $4,782

View Chart as Image

Subaru Legacy insurance cost comparison chart
Column chart showing full coverage Subaru Legacy insurance rates range from $795 to $4,782

Auto insurance rates for a Subaru Legacy also range considerably based on your risk profile, the trim level of your Legacy, and liability limits and deductibles.

A more mature driver with a good driving record and high deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay at least $4,700 a year. View Rates by Age

Your home state also has a big influence on Subaru Legacy insurance prices. A middle-age driver might find rates as low as $900 a year in states like Iowa, Maine, and Idaho, or at least $1,940 on average in New York, Louisiana, and Michigan.

Subaru Legacy Insurance Rates by State
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%

View Chart as Image

Subaru Legacy insurance rates by U.S. city

Opting for high physical damage deductibles can reduce rates by up to $600 annually, whereas buying more liability protection will increase premiums. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $299 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying $1,600 to $2,100 in extra premium every year, depending on your age. Subaru Legacy insurance for high-risk drivers is expensive and can cost from 44% to 132% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the only way to know which auto insurance is cheapest is to regularly compare rates from multiple companies. Every auto insurance company utilizes a different rate formula, and quoted rates will be varied 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 $1,236 $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.

Subaru Legacy Insurance Rates by Model Year
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 Find Cheap Subaru Legacy Insurance

Finding cheaper rates on insurance for a Subaru Legacy consists of avoiding accidents and claims, having good credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Make time to compare rates every time your policy renews by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The points below are a brief summary of the information touched on in this article.

  • Drivers can save approximately $160 per year simply by quoting online well ahead of the renewal date
  • Drivers under the age of 20 are the costliest to insure, costing up to $399 each month if they have full coverage
  • Increasing comprehensive and collision deductibles can save around $600 each year
  • Drivers considered higher risk that tend to have accidents or serious violations pay an average of $1,530 more annually to insure a Subaru Legacy
  • Insureds who want increased liability limits will pay around $370 each year to raise from a 30/60 limit to 250/500 limits

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.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

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 $4,782
20 $3,044
30 $1,434
40 $1,364
50 $1,238
60 $1,214

Full coverage, $500 deductibles

Rates by Deductible

Subaru Legacy Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,752
$250 $1,576
$500 $1,364
$1,000 $1,158

Full coverage, driver age 40

Rates by Liability Limit

Subaru Legacy Insurance Rates with Different Liability Limits
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

Subaru Legacy Insurance 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.

SR-22 Surcharge $179

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
Rate after discounts $795

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

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles