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1990 Subaru Legacy Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Dec 13, 2021

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Average insurance rates for a 1990 Subaru Legacy are $830 a year including full coverage. Comprehensive costs around $166, collision insurance costs $152, and liability insurance costs around $376. Buying a liability-only policy costs as low as $426 a year, and high-risk insurance costs around $1,756. Teenage drivers receive the highest rates at up to $3,262 a year.

Annual premium for full coverage: $830

Rate estimates for 1990 Subaru Legacy Insurance

Comprehensive $166
Collision $152
Liability $376

Rate data is compiled from all 50 U.S. states and averaged for all 1990 Subaru Legacy models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range range from as low as $426 for only liability insurance to the much higher price of $1,756 for high-risk insurance.

Liability Only $426
Full Coverage $830
High Risk $1,756

View Chart as Image

1990 Subaru Legacy insurance rates compared
Column chart showing 1990 Subaru Legacy insurance prices range from $516 to $3,262 for full coverage

These differences highlight why everyone should compare prices for a specific zip code and risk profile, rather than relying on average rates.

Use the form below to get rates for your location.

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

Recommended Companies for Cheap 1990 Subaru Legacy Insurance

Searching Companies

Trying to find the cheapest insurance coverage rates? Buyers have a choice when searching for affordable Subaru Legacy insurance. They can either spend hours struggling with agents to get rate comparisons or use the internet to compare rates.

There are more efficient ways to compare insurance coverage rates so we’re going to tell you the best way to price shop coverage on a Subaru and find the lowest price from both online companies and local agents.

Compare Insurance Coverage Today

There are several ways to compare Subaru Legacy insurance coverage prices but some are less labor-intensive and much quicker. You could spend the better part of a day discussing policy coverages with insurance companies in your area, or you can utilize the internet to get pricing more quickly.

Many of the larger companies enroll in a system that enables customers to only type in their quote data once, and at least one company then gives them pricing based on that data. This prevents consumers from doing repetitive form submissions for each company you want a rate for.

To access this free quoting program, click here to open in new window.

The only downside to pricing coverage this way is you are unable to specify which companies to get pricing from. So if you prefer to choose individual companies for rate comparison, we have a listing of insurance coverage companies in your area. View list of insurance companies.

Whichever method you choose, make sure you use apples-to-apples coverages and limits on every quote. If your comparisons have mixed coverages it will be impossible to determine the lowest rate for your Subaru Legacy.

Cut prices on Subaru Legacy insurance

Insuring your vehicles can cost a lot, but there could be available discounts to help bring down the price. Larger premium reductions will be automatically applied when you quote, but some may not be applied and must be asked for before they will apply. If they aren’t giving you every credit you deserve, you’re paying more than you need to.

  • Discount for Life Insurance – Companies who offer life insurance give lower rates if you buy life insurance.
  • Anti-theft System – Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Drivers Education – Cut your cost by having your teen driver complete a driver education course in high school.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can avoid accidents and therefore earn up to a 10% discount.
  • New Vehicle Savings – Insuring a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Defensive Driving Course – Taking part in a driver safety course can save you 5% or more if you qualify.
  • No Claims – Good drivers with no accidents pay much less as compared to frequent claim filers.
  • Payment Discounts – If you pay your bill all at once instead of paying each month you may reduce your total bill.
  • 55 and Retired – If you’re over the age of 55, you may receive a small decrease in premiums on Legacy insurance.
  • Good Student – Performing well in school can get you a discount of up to 25%. The good student discount can last up to age 25.

Keep in mind that many deductions do not apply to your bottom line cost. A few only apply to specific coverage prices like comp or med pay. So when the math indicates it’s possible to get free car insurance, you’re out of luck. Any amount of discount will reduce the amount you have to pay.

Car insurance companies that may offer some of the above discounts include:

  • 21st Century
  • Progressive
  • State Farm
  • Nationwide
  • Esurance
  • The Hartford

Check with every prospective company how you can save money. Savings might not apply in your state.

Factors that might impact rates for a Subaru Legacy

Consumers need to have an understanding of the factors that help determine the price you pay for insurance. Having a good understanding of what determines base rates helps enable you to make changes that can help you get big savings.

The following are some of the items that factor into your rates.

  • Where you reside plays a part – Choosing to live in less populated areas is a positive aspect when insuring your vehicles. Lower population means fewer accidents and a lower car theft rate. Drivers in populated areas regularly have more traffic problems and longer commutes to work. Higher commute times can result in more accidents.
  • Your credit rating is important – Credit score is a big factor in determining your rates. If your credit is lower than you’d like, you could be paying less to insure your 1990 Subaru Legacy by spending a little time repairing your credit. People with good credit tend to be more responsible than drivers with poor credit.
  • Battle of the sexes – The statistics show women tend to be less risk to insure than men. However, this does not mean women are better drivers. They both have accidents at a similar rate, but the men have costlier accidents. Men also statistically receive more costly citations such as DWI and reckless driving. Teenage male drivers are several times more likely to be in an accident and are penalized with high insurance rates.
  • Proper usage rating affects rates – Driving more miles in a year the more you will pay for insurance. Almost all companies rate vehicles based upon how you use the vehicle. Cars and trucks not used for work or commuting qualify for better rates than vehicles that are driven to work every day. If your policy improperly rates your Legacy may be wasting your money. Ask your agent if your insurance coverage shows the proper vehicle usage.
  • Having a spouse can save you money – Getting married can actually save you money on your policy. Having a significant other is viewed as being more mature and statistics show drivers who are married are more cautious.

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Tailor your coverage to you

When buying coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is unique.

These are some specific questions may help you determine whether you could use an agent’s help.

  • How high should my medical payments coverage be?
  • Do I need replacement cost coverage?
  • Will my rates increase for filing one claim?
  • Are my tools covered if they get stolen from my vehicle?
  • What can I do if my company denied a claim?
  • I don’t drive much so do I pay less?
  • Do I really need UM/UIM coverage?
  • What are the best liability limits?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form. It’s fast, free and can help protect your family.

Do auto insurance companies bend the truth?

Consumers can’t ignore all the ads that promise big savings by State Farm, GEICO and Progressive. All the companies have a common claim of big savings if you switch to their company.

How does each company claim to save you money? It’s all in the numbers.

All the different companies have a certain “appetite” for the driver that is profitable for them. A good example of a desirable insured could be between 30 and 50, insures multiple vehicles, and drives less than 10,000 miles a year. A propective insured who fits that profile will get very good rates and therefore will save when they switch companies.

Potential customers who don’t measure up to the requirements will be charged more money and this can result in the driver buying from a lower-cost company. Company advertisements say “drivers who switch” not “people who quote” save that kind of money. This is how insurance companies can confidently state the savings.

That is why it is so important to get as many comparisons as possible. It’s impossible to know the company that will provide you with the cheapest Subaru Legacy insurance rates.

Car insurance coverages for a Subaru Legacy

Learning about specific coverages of a car insurance policy helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Comprehensive (Other than Collision) – This pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like hitting a bird, falling objects, fire damage and hitting a deer. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverages – This covers damage to your Legacy resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things such as crashing into a ditch, crashing into a building, scraping a guard rail, damaging your car on a curb and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Liability coverages – Liability coverage can cover damage that occurs to other people or property by causing an accident. It protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Some companies may use a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage pays for things like court costs, medical services, legal defense fees and structural damage. How much liability coverage do you need? That is a personal decision, but buy higher limits if possible.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for surgery, funeral costs, nursing services and dental work. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers – This provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Subaru Legacy.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Frequently these limits do not exceed the liability coverage limits.

More choices the merrier

We just covered some good ideas how you can shop for 1990 Subaru Legacy insurance online. The key thing to remember is the more companies you get rates for, the better your comparison will be. Drivers may discover the lowest premiums are with an unexpected company.

Drivers switch companies for any number of reasons including lack of trust in their agent, being labeled a high risk driver, delays in paying claims or even high prices. Regardless of your reason, finding the right insurance provider can be easier than you think.

While you’re price shopping online, it’s very important that you do not buy less coverage just to save a little money. In many cases, consumers will sacrifice uninsured motorist or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to get the best coverage possible at the best price.

For more information, take a look at the following helpful articles:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

1990 Subaru Legacy Insurance Rates by City
City Premium
New York City, NY $1,308
Los Angeles, CA $1,419
Philadelphia, PA $1,106
Jacksonville, FL $1,202
Phoenix, AZ $963
Chicago, IL $1,112
Houston, TX $1,300
Seattle, WA $806
Columbus, OH $692
Indianapolis, IN $707

Need a specific model?

Choose your model and trim below

Rates by Driver Age

1990 Subaru Legacy Insurance Rates by Driver Age
Driver Age Premium
16 $3,262
20 $1,856
30 $846
40 $830
50 $760
60 $744

Full coverage, $500 deductibles

Rates by Deductible

1990 Subaru Legacy Insurance Rates with Different Deductibles
Deductible Premium
$100 $966
$250 $906
$500 $830
$1,000 $756

Full coverage, driver age 40

Rates by Liability Limit

Subaru Legacy Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $830
50/100 $905
100/300 $999
250/500 $1,244
100 CSL $943
300 CSL $1,150
500 CSL $1,300

Full coverage, driver age 40

Rates for High Risk Drivers

1990 Subaru Legacy Insurance Rates for High Risk Drivers
Age Premium
16 $4,584
20 $2,942
30 $1,772
40 $1,756
50 $1,676
60 $1,656

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 $105

Potential Rate Discounts

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

Discount Savings
Multi-policy $42
Multi-vehicle $42
Homeowner $14
5-yr Accident Free $47
5-yr Claim Free $51
Paid in Full/EFT $28
Advance Quote $34
Online Quote $56
Total Discounts $314
Rate after discounts $516

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

Find companies with the cheapest rates in your area

1990 Subaru Legacy Insurance Rates by State
State Premium
Alabama $750
Alaska $636
Arizona $688
Arkansas $830
California $946
Colorado $792
Connecticut $850
Delaware $938
Florida $1,036
Georgia $768
Hawaii $598
Idaho $562
Illinois $618
Indiana $626
Iowa $558
Kansas $788
Kentucky $1,130
Louisiana $1,228
Maine $512
Maryland $684
Massachusetts $660
Michigan $1,440
Minnesota $694
Mississippi $992
Missouri $738
Montana $890
Nebraska $652
Nevada $992
New Hampshire $600
New Jersey $928
New Mexico $734
New York $872
North Carolina $478
North Dakota $680
Ohio $572
Oklahoma $850
Oregon $760
Pennsylvania $790
Rhode Island $1,108
South Carolina $752
South Dakota $700
Tennessee $728
Texas $1,000
Utah $612
Vermont $566
Virginia $498
Washington $640
West Virginia $760
Wisconsin $572
Wyoming $738

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