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 prices for a Subaru Legacy are $1,350 every 12 months including full coverage. Comprehensive costs around $370, collision insurance costs $506, and liability costs around $338. A policy with only liability insurance costs as low as $394 a year, and a high-risk policy costs around $2,872. Teen drivers pay the most at up to $4,778 a year.

Average premium for full coverage: $1,350

Premium estimates for type of coverage:

Comprehensive $370
Collision $506
Liability $338

Includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and for different Legacy trim levels.

Insurance Price Range by Risk and Coverage

Using a middle-aged driver as an example, insurance rates for a Subaru Legacy range from the cheapest price of $394 for minimum levels of liability insurance to a much higher rate of $2,872 for a driver who requires high-risk insurance.

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

Insurance Price Range by Location

Where you live can make a big difference on the price of insurance. Areas with sparse population are statistically proven to have more infrequent comprehensive and collision claims than larger metro areas. The price range example below illustrates how where you live affects auto insurance rates.

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

These rate differences highlight why anyone shopping for car insurance should compare prices for a specific zip code 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 Details

The chart below breaks down average Subaru Legacy insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $785
  • Using higher $1,000 deductibles will save about $200 every year
  • The average price for a 40-year-old good driver using $500 deductibles is $1,350
  • Choosing more expensive low deductibles for physical damage coverage increases the price to $1,730
  • High-risk insureds with multiple violations and an at-fault accident could pay at least $2,872
  • An auto insurance policy to insure a 16-year-old driver with full coverage can be $4,778 or more

View Chart as Image

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

Car insurance prices for a Subaru Legacy also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level and model year.

Choosing high deductibles could cut prices by as much as $580 annually, while increasing your policy's liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $304 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged as much as $4,700 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying at least $1,500 to $2,100 extra annually, depending on your age. High-risk driver insurance can be from 44% to 125% more than average. View High Risk Driver Rates

Where you choose to live has a huge impact on Subaru Legacy insurance prices. A driver around age 40 might see prices as low as $1,040 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,930 on average in Michigan, New York, and Louisiana.

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

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 Shop for the Cheapest Subaru Legacy Insurance

Finding better rates on insurance for a Subaru Legacy requires being safe and accident-free, maintaining a good credit score, refrain from filing small claims, and consideration of higher deductibles. Take the time to comparison shop at every other renewal by requesting quotes from direct car insurance companies, and also from insurance agencies where you live.

Below you'll find a recap of the concepts that were touched on in the above illustrations.

  • Drivers considered higher risk that have major violations or accidents could be forced to pay on average $1,520 more every year than a low-risk driver
  • Youthful drivers are the costliest to insure, with the cost nearing $398 per month if the policy includes full coverage
  • You may be able to save up to $160 per year just by shopping early and online
  • Increasing policy deductibles could save as much as $575 each year
  • You may be able to save up to $160 per year just by shopping early and online

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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