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1999 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: Mar 19, 2020

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Average insurance rates for a 1999 Subaru Legacy are $830 a year for full coverage insurance. Comprehensive costs approximately $166 each year, collision costs $152, and liability coverage costs around $376. Buying a liability-only policy costs as low as $426 a year, with high-risk insurance costing around $1,756. Teen drivers receive the highest rates at $3,262 a year or more.

Annual premium for full coverage: $830

Rate estimates for 1999 Subaru Legacy Insurance

Comprehensive $166
Collision $152
Liability $376

Rate data is compiled from all 50 U.S. states and averaged for all 1999 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 middle-aged driver, prices range go from as low as $426 for basic liability insurance to a high rate of $1,756 for a high risk driver.

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

View Chart as Image

1999 Subaru Legacy insurance rates compared
Column chart showing 1999 Subaru Legacy insurance prices range from $516 to $3,262 for full coverage

These differences illustrate why all drivers should compare prices using their specific location and risk profile, rather than using price averages.

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 1999 Subaru Legacy Insurance

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Have you had enough of robbing Peter to pay Paul to buy car insurance? You are no different than many other consumers. Since consumers have many car insurance companies to choose from, it is hard for the average consumer to pick the most cost effective provider.

How to Get Cheap Insurance Coverage

Cutting your insurance coverage rates isn’t really that difficult. All that’s required is to invest a little time comparing rates online with multiple companies. This can be accomplished using a couple different methods.

  1. One of the best ways to get quotes is to use a rate comparison form click here to open form in new window. This method keeps you from doing separate quote forms for each company you want a rate for. One form gets you price quotes from multiple companies.
  2. A more difficult way to shop for insurance coverage online requires you to visit the website for each individual company to request a price quote. For example, we’ll pretend you want to compare Allstate, Esurance and Liberty Mutual. 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.

  3. The hardest way to get comparison rates is to drive around to different agent offices. The internet has reduced the need for local agents unless you prefer the professional guidance of a licensed agent. It is possible to find lower rates online and get advice from an agent in your area and we’ll touch on that later.

However you get your quotes, make absolute certain that you use identical quote information with every price quote. If you enter higher or lower deductibles you will not be able to make an equal comparison.

Pay less for 1999 Subaru Legacy insurance

Companies don’t always advertise every available discount in a way that’s easy to find, so we break down both well-publicized and the harder-to-find discounts you could be receiving. If you aren’t receiving every discount you qualify for, you are paying more than you should be.

  • Multiple Vehicles – Buying coverage for multiple vehicles on the same car insurance policy may reduce the rate for each vehicle.
  • Driver Safety – Successfully completing a course in driver safety can save you 5% or more depending on where you live.
  • One Accident Forgiven – A few companies will forgive one accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
  • Save with a New Car – Adding a new car to your policy can cost up to 25% less due to better safety requirements for new cars.
  • Low Mileage Discounts – Fewer annual miles on your Subaru could qualify for a substantially lower rate.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more.
  • Auto/Life Discount – Larger companies have lower rates if you buy life insurance from them.
  • Multi-policy Discount – When you combine your home and auto insurance with one company you may earn approximately 10% to 15%.
  • College Student – Youth drivers who are attending college without a vehicle on campus can receive lower rates.
  • Seat Belt Usage – Drivers who require all occupants to use a seat belt could save 15% off your PIP or medical payments premium.

Consumers should know that most of the big mark downs will not be given to the entire cost. Most only apply to the price of certain insurance coverages like comprehensive or collision. Even though it may seem like all the discounts add up to a free policy, it doesn’t quite work that way.

A partial list of companies who might offer some of the above discounts include:

Check with all companies you are considering what discounts are available to you. All car insurance discounts might not apply everywhere.

Tailor your coverage to you

When choosing the best auto insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions could help you determine whether you might need an agent’s assistance.

  • Should I have combined single limit or split liability limits?
  • Does my personal policy cover me when driving out-of-state?
  • Where can I find DUI or SR-22 insurance?
  • At what point should I drop full coverage?
  • How does medical payments coverage work?
  • Does insurance cover tools stolen from my truck?
  • How much underlying liability do I need for an umbrella policy?
  • How can I force my company to pay a claim?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick 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.

Free Auto Insurance Comparison

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

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Parts of your car insurance policy

Knowing the specifics of car insurance aids in choosing the best coverages for your vehicles. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverages found on most car insurance policies.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Subaru Legacy.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as falling objects, hitting a deer and hitting a bird. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Auto liability insurance

Liability insurance will cover damage or injury you incur to other people or property in an accident. It protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage pays for claims like medical services, bail bonds, loss of income and medical expenses. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for immediate expenses for things like funeral costs, doctor visits, pain medications, surgery and chiropractic care. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Auto collision coverage

Collision coverage will pay to fix damage to your Legacy resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like colliding with a tree, scraping a guard rail and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Use our FREE quote tool to compare rates now!

Rates by U.S. City

1999 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

1999 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

1999 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

1999 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

1999 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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