1997 Subaru Legacy Insurance Rates
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UPDATED: Nov 18, 2021
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Average insurance rates for a 1997 Subaru Legacy are $830 a year including full coverage. Comprehensive insurance costs approximately $166, collision costs $152, and liability insurance costs around $376. Buying a liability-only policy costs as low as $426 a year, with high-risk insurance costing $1,756 or more. Teenage drivers receive the highest rates at $3,262 a year or more.
Annual premium for full coverage: $830
Rate estimates for 1997 Subaru Legacy Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 1997 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 driver in their 40's, prices range go from as low as $426 for just liability coverage to a much higher rate of $1,756 for a driver who has had serious violations or accidents.
These differences highlight why anyone shopping for car insurance should compare prices using their specific location 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 1997 Subaru Legacy Insurance
Nobody I know cherishes buying car insurance, especially when they are paying too much. Online insurance companies like Allstate, Liberty Mutual and State Farm all claim big savings, bombarding you with ads and it is difficult to ignore the propoganda and take the time to shop coverage around.
If you are insured now or are just looking to switch companies, you can use these techniques to reduce the price you pay while maintaining coverages. Finding affordable coverage is easy if you know what you’re doing. Drivers just need to know the best way to buy insurance coverage on the web.
How to Lower Your Auto Insurance Cost
Finding cheaper 1997 Subaru Legacy auto insurance prices is surprisingly easy. Just take time to compare quotes online with multiple companies. This can be accomplished in just a few minutes using one of these methods.
- The single most time-saving way to find the lowest comparison rates is to use a rate comparison form like this one (opens in new window). This type of form prevents you from having to do boring form submissions for each company you want a rate for. One form gets you coverage quotes from all major companies.
- A slightly less efficient method to shop for auto insurance online requires a visit to each company’s website to request a price quote. For example, let’s say you want to compare USAA, Liberty Mutual and State Farm. To find out each rate you need to visit each site to enter your coverage information, which is why the first method is quicker.For a list of links to insurance companies in your area, click here.
Whichever method you choose, compare identical coverage limits for every company. If you use different values for each quote it will be very difficult to decipher which rate is best.
Companies offer discounts so take them!
Auto insurance companies don’t necessarily list every available discount very well, so we took the time to find both well-publicized as well as the least known savings tricks you should be using. If you don’t get every credit possible, you’re just leaving money on the table.
- Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
- Service Members Pay Less – Being on active duty in the military could be rewarded with lower premiums.
- Federal Government Employee – Simply working for the federal government can earn a discount up to 10% on Legacy coverage with a few insurance companies.
- Sign Online – Certain companies will discount your bill up to fifty bucks simply for signing on their website.
- Driver Safety – Successfully completing a course in driver safety could cut 5% off your bill depending on where you live.
- Low Mileage – Low mileage vehicles could qualify for discounted rates on garaged vehicles.
- Bundle and Save – If you insure your home and vehicles with the same company you may earn up to 20% off your total premium.
As a disclaimer on discounts, most discount credits are not given the whole policy. Most only apply to the price of certain insurance coverages like comprehensive or collision. So when the math indicates all those discounts means the company will pay you, companies don’t profit that way.
Car insurance companies who might offer these discounts may include but are not limited to:
It’s a good idea to ask every prospective company what discounts are available to you. Discounts might not be offered in your area.
Do I just need basic coverages?
When buying adequate coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s situation is a little different and your policy should reflect that. For example, these questions may help you determine if your insurance needs might need professional guidance.
- Is my trailer covered?
- Should I rate my 1997 Subaru Legacy as pleasure use or commute?
- Do I have coverage when using my vehicle for my home business?
- Am I insured when driving a different vehicle?
- Can I afford low physical damage deductibles?
- Should I buy full coverage?
- Who is covered when they drive my 1997 Subaru Legacy?
If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.
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Car insurance coverages for a Subaru Legacy
Knowing the specifics of a auto insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy. Shown next are typical coverages found on the average auto insurance policy.
Auto collision coverage
Collision insurance will pay to fix damage to your Legacy from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision can pay for things like crashing into a ditch, rolling your car and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.
Protection from uninsured/underinsured drivers
This gives you protection when other motorists either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Subaru Legacy.
Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.
Comprehensive (Other than Collision)
Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things like hitting a deer, damage from flooding, fire damage and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Medical expense insurance
Medical payments and Personal Injury Protection insurance pay for expenses like EMT expenses, ambulance fees and prosthetic devices. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay
Liability insurance protects you from injuries or damage you cause to a person or their property by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000.
Liability coverage pays for claims such as bail bonds, repair bills for other people’s vehicles and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.
Saving money makes a lot of cents
Affordable 1997 Subaru Legacy insurance can be purchased online as well as from independent agents, and you need to comparison shop both to have the best chance of lowering rates. Some companies don’t offer you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.
In this article, we covered many ways to shop for insurance online. The key thing to remember is the more times you quote, the higher the chance of saving money. Drivers may discover the lowest rates come from some of the lesser-known companies. Some small companies may often insure only within specific states and give getter rates than the large multi-state companies such as GEICO and State Farm.
As you shop your coverage around, do not sacrifice coverage to reduce premiums. There are a lot of situations where consumers will sacrifice full coverage only to regret at claim time that they should have had better coverage. Your aim should be to buy enough coverage for the lowest price while still protecting your assets.
For more information, link through to the resources below:
- Senior Drivers (Insurance Information Insitute)
- Insuring a Leased Car (Insurance Information Insitute)
- What if I Can’t Find Coverage? (Insurance Information Insitute)
- Side Impact Crash Tests (iihs.org)
Rates by U.S. City
|New York City, NY||$1,308|
|Los Angeles, CA||$1,419|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$47|
|5-yr Claim Free||$51|
|Paid in Full/EFT||$28|
Discounts are estimated and may not be available from every company or in every state.