Subaru Legacy Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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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.
U.S. average insurance rates for a Subaru Legacy are $1,340 a year including full coverage. Comprehensive insurance costs around $356, collision insurance costs $494, and liability is estimated at $354. A policy with just liability insurance costs approximately $406 a year, and coverage for high-risk drivers costs $2,858 or more. Teens pay the highest rates at up to $4,780 a year.
Average premium for full coverage: $1,340
Price estimates for individual coverage:
Prices include $500 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for different Legacy trim levels.
Price Range from Low to High
For the average driver, Subaru Legacy insurance prices range from the low end price of $406 for just liability insurance to a much higher rate of $2,858 for a high-risk insurance policy.
Geographic Price Range
Living in a larger city can make a big difference on the price of insurance. Areas with sparse population have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates how location impacts auto insurance rates.
The ranges above highlight why anyone shopping for car insurance should get quotes for a specific zip code, instead of making a decision based on averaged prices.
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.
More Rate Details
The chart below breaks down average Subaru Legacy insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $780
- Choosing higher $1,000 deductibles can save about $192 every year
- The estimated price for the average middle-age driver using $500 deductibles is $1,340
- Selecting more expensive low deductibles for comp and collision coverage will cost an additional $370 annually
- Higher-risk drivers with serious driving violations could pay at least $2,858
- The price that insures a 16-year-old driver with full coverage can be $4,780 each year
Insurance prices for a Subaru Legacy are also quite variable based on the model year and trim level, your driving record and age, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you are likely paying at least $1,500 to $2,100 extra each year, depending on your age. High-risk driver insurance ranges from 44% to 126% more than the average policy. View High Risk Driver Rates
An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay as much as $4,700 a year. View Rates by Age
The state you live in plays a big part in determining prices for Subaru Legacy insurance prices. A good driver about age 40 could pay as low as $1,030 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,910 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,210 | -$130 | -9.7% |
| Alaska | $1,030 | -$310 | -23.1% |
| Arizona | $1,112 | -$228 | -17.0% |
| Arkansas | $1,340 | -$0 | 0.0% |
| California | $1,528 | $188 | 14.0% |
| Colorado | $1,278 | -$62 | -4.6% |
| Connecticut | $1,376 | $36 | 2.7% |
| Delaware | $1,516 | $176 | 13.1% |
| Florida | $1,674 | $334 | 24.9% |
| Georgia | $1,238 | -$102 | -7.6% |
| Hawaii | $964 | -$376 | -28.1% |
| Idaho | $910 | -$430 | -32.1% |
| Illinois | $998 | -$342 | -25.5% |
| Indiana | $1,010 | -$330 | -24.6% |
| Iowa | $902 | -$438 | -32.7% |
| Kansas | $1,272 | -$68 | -5.1% |
| Kentucky | $1,826 | $486 | 36.3% |
| Louisiana | $1,984 | $644 | 48.1% |
| Maine | $828 | -$512 | -38.2% |
| Maryland | $1,106 | -$234 | -17.5% |
| Massachusetts | $1,070 | -$270 | -20.1% |
| Michigan | $2,326 | $986 | 73.6% |
| Minnesota | $1,122 | -$218 | -16.3% |
| Mississippi | $1,606 | $266 | 19.9% |
| Missouri | $1,190 | -$150 | -11.2% |
| Montana | $1,440 | $100 | 7.5% |
| Nebraska | $1,056 | -$284 | -21.2% |
| Nevada | $1,608 | $268 | 20.0% |
| New Hampshire | $966 | -$374 | -27.9% |
| New Jersey | $1,498 | $158 | 11.8% |
| New Mexico | $1,186 | -$154 | -11.5% |
| New York | $1,410 | $70 | 5.2% |
| North Carolina | $772 | -$568 | -42.4% |
| North Dakota | $1,098 | -$242 | -18.1% |
| Ohio | $924 | -$416 | -31.0% |
| Oklahoma | $1,374 | $34 | 2.5% |
| Oregon | $1,228 | -$112 | -8.4% |
| Pennsylvania | $1,278 | -$62 | -4.6% |
| Rhode Island | $1,788 | $448 | 33.4% |
| South Carolina | $1,216 | -$124 | -9.3% |
| South Dakota | $1,132 | -$208 | -15.5% |
| Tennessee | $1,172 | -$168 | -12.5% |
| Texas | $1,616 | $276 | 20.6% |
| Utah | $992 | -$348 | -26.0% |
| Vermont | $916 | -$424 | -31.6% |
| Virginia | $802 | -$538 | -40.1% |
| Washington | $1,036 | -$304 | -22.7% |
| West Virginia | $1,230 | -$110 | -8.2% |
| Wisconsin | $924 | -$416 | -31.0% |
| Wyoming | $1,192 | -$148 | -11.0% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $570 annually, while increasing your policy's liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $318 more per year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Subaru Legacy 2.5I | $1,218 | $102 |
| Subaru Legacy 2.5I Premium | $1,258 | $105 |
| Subaru Legacy 2.5I Premium | $1,258 | $105 |
| Subaru Legacy 2.5I Limited | $1,340 | $112 |
| Subaru Legacy 3.6R | $1,340 | $112 |
| Subaru Legacy 3.6R Premium | $1,340 | $112 |
| Subaru Legacy 2.5 GT Limited | $1,410 | $118 |
| Subaru Legacy 2.5 GT Limited | $1,410 | $118 |
| Subaru Legacy 2.5 GT Limited | $1,410 | $118 |
| Subaru Legacy 2.5GT Premium | $1,382 | $115 |
| Subaru Legacy 3.6R Limited | $1,382 | $115 |
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 | $370 | $506 | $338 | $1,350 |
| 2023 Subaru Legacy | $356 | $494 | $354 | $1,340 |
| 2022 Subaru Legacy | $344 | $474 | $364 | $1,318 |
| 2021 Subaru Legacy | $326 | $458 | $376 | $1,296 |
| 2020 Subaru Legacy | $312 | $424 | $384 | $1,256 |
| 2019 Subaru Legacy | $300 | $400 | $388 | $1,224 |
| 2018 Subaru Legacy | $288 | $358 | $390 | $1,172 |
| 2017 Subaru Legacy | $270 | $330 | $390 | $1,126 |
| 2016 Subaru Legacy | $260 | $310 | $394 | $1,100 |
| 2015 Subaru Legacy | $254 | $288 | $402 | $1,080 |
| 2013 Subaru Legacy | $228 | $244 | $406 | $1,014 |
| 2012 Subaru Legacy | $212 | $222 | $402 | $972 |
| 2011 Subaru Legacy | $200 | $202 | $402 | $940 |
| 2010 Subaru Legacy | $194 | $182 | $398 | $910 |
| 2009 Subaru Legacy | $190 | $178 | $390 | $894 |
| 2008 Subaru Legacy | $188 | $168 | $384 | $876 |
| 2007 Subaru Legacy | $172 | $160 | $380 | $848 |
| 2006 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 Find the Right Subaru Legacy Insurance
Getting lower rates on insurance for a Subaru Legacy takes avoiding accidents and claims, having above-average credit, being claim-free, and dropping full coverage on older vehicles. Compare rates at least every other year by requesting rates from direct car insurance companies, and also from local insurance agencies.
The points below are a quick rundown of the car insurance concepts touched on above.
- Drivers considered higher risk with reckless driving or DUI convictions may have to pay on average $1,520 more every year to insure a Subaru Legacy
- You may be able to save up to $160 per year just by shopping early and online
- Increasing physical damage deductibles can save approximately $550 each year
- Insureds who may need increased liability limits will pay approximately $390 per year to raise limits from a low limit to the 250/500 level
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 | $4,780 |
| 20 | $3,014 |
| 30 | $1,406 |
| 40 | $1,340 |
| 50 | $1,220 |
| 60 | $1,194 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,710 |
| $250 | $1,542 |
| $500 | $1,340 |
| $1,000 | $1,148 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,340 |
| 50/100 | $1,453 |
| 100/300 | $1,541 |
| 250/500 | $1,771 |
| 100 CSL | $1,488 |
| 300 CSL | $1,683 |
| 500 CSL | $1,825 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,836 |
| 20 | $4,784 |
| 30 | $2,930 |
| 40 | $2,858 |
| 50 | $2,716 |
| 60 | $2,688 |
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 | $72 |
| Multi-vehicle | $66 |
| Homeowner | $19 |
| 5-yr Accident Free | $96 |
| 5-yr Claim Free | $86 |
| Paid in Full/EFT | $61 |
| Advance Quote | $64 |
| Online Quote | $96 |
| Total Discounts | $560 |
Discounts are estimated and may not be available from every company or in every state.
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