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.
Estimated insurance prices for a Subaru Legacy are $1,364 every 12 months for full coverage. Comprehensive costs an estimated $384 each year, collision costs $512, and liability insurance is $332. Liability-only insurance costs around $388 a year, with high-risk driver insurance costing around $2,890. 16-year-old drivers pay the most at $4,782 a year or more.
Average premium for full coverage: $1,364
Premium estimates broken down by type of coverage:
Rates are based on $500 physical damage insurance deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Rates include averaging for all states and Legacy models.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Subaru Legacy go from the cheapest price of $388 for basic liability insurance to a high rate of $2,890 for a policy for a high-risk driver.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on insurance rates. More rural locations are statistically proven to have more infrequent accident claims than congested cities.
The graphic below illustrates how where you live affects insurance prices.
These rate differences show why all drivers should compare rates quotes for a targeted area and their own driving history, rather than relying 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.
Rate Comparisons
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 price for a 40-year-old good driver who has $500 deductibles is $1,364
- Buying low deductibles increases the price to $1,752
- Higher-risk drivers with multiple tickets or accidents could pay up to $2,890 or more
- An auto insurance policy to insure a teen driver can cost as much as $4,782
Insurance prices for a Subaru Legacy also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model year and trim level.
Opting for high physical damage deductibles can reduce prices by up to $600 each year, whereas increasing liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost up to $299 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay at least $4,700 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying $1,600 to $2,100 additional annually, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 44% to 132% more than the average rate. View High Risk Driver Rates
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 $900 a year in states like Iowa, Maine, and Idaho, or at least $1,940 on average in New York, Louisiana, and Michigan.
| 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% |
With such a large range in prices, the only way to know which insurance company is cheapest is to do a rate comparison from as many companies as possible. Every auto insurance company utilizes a different rate formula, and prices will be substantially different.
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 Cheap Subaru Legacy Insurance
Finding better rates on Subaru Legacy insurance consists of being a low-risk driver, having above-average credit, not filing small claims, and maximizing policy discounts. Take the time to comparison shop every year by getting quotes from direct carriers, and also from several local insurance agents.
The items below are a quick review of the coverage data touched on in the above illustrations.
- Drivers can save approximately $160 per year simply by quoting online in advance
- Increasing policy deductibles could save as much as $600 each year
- Teen drivers are expensive to insure, as much as $399 per month if full coverage is included
- High-risk drivers with a DUI or reckless driving violation pay on average $1,530 more annually to insure their Legacy
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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