Subaru Legacy Insurance Rates
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Michelle Robbins
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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 $1,350 a year for full coverage insurance. Comprehensive insurance costs around $370, collision insurance costs $506, and liability coverage costs $338. Buying just liability costs as little as $394 a year, and insurance for high-risk drivers costs $2,872 or more. Teenage drivers pay the highest rates at up to $4,778 a year.
Average premium for full coverage: $1,350
Price estimates for individual coverage:
These estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and for all Legacy models.
Price Range from Low to High
For a driver around age 40, Subaru Legacy insurance prices range from as low as $394 for minimum levels of liability insurance to the much higher price of $2,872 for a high-risk insurance policy.
Geographic Price Range
Your location has a large influence on car insurance rates. Areas with sparse population have a lower frequency of physical damage claims than densely populated cities. The example below illustrates the difference between rural and urban areas on auto insurance rates.
The ranges above illustrate why everyone should compare rates for a specific zip code and risk profile, rather than using average rates.
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 illustrates average Subaru Legacy insurance rates for additional coverage choices and driver risks.
- The best discount rate is $785
- Drivers who choose higher $1,000 deductibles will pay about $200 each year
- The average rate for the average middle-age driver using $500 deductibles is $1,350
- Using pricier low deductibles for comprehensive and collision insurance will cost an extra $380 each year
- High-risk insureds who are prone to accidents and violations could pay at least $2,872
- The price for full coverage for a teenage driver for full coverage can be $4,778 a year
Insurance prices for a Subaru Legacy are also quite variable based on your driving record, the model year and trim level, and deductibles and policy limits.
A more mature driver with no violations or accidents and high deductibles may only pay around $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay as much as $4,700 a year. View Rates by Age
The state you live in makes a big difference in Subaru Legacy insurance rates. A 40-year-old driver could pay as low as $880 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,820 on average in Michigan, New York, and Florida.
| 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% |
Using high physical damage deductibles could save up to $580 a year, whereas buying more liability protection will increase prices. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $304 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are probably paying at least $1,500 to $2,100 additional each year, depending on your age. Subaru Legacy insurance for high-risk drivers can cost around 44% to 125% more than a normal policy. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Find Cheap Subaru Legacy Insurance
Getting lower rates on auto insurance not only requires being a safe and courteous driver, but also having a good credit history, not filing small claims, and deciding if full coverage is necessary. Set aside time to compare rates at least every other year by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
Below is a brief summary of the car insurance concepts covered above.
- Drivers that tend to have accidents or serious violations may pay on average $1,520 more every year for auto insurance
- It is possible to save up to $160 per year just by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save around $575 each year
- Consumers who may need higher levels of liability will pay an extra $370 annually to go from a low limit to 250/500 limits
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 | $4,778 |
| 20 | $3,032 |
| 30 | $1,418 |
| 40 | $1,350 |
| 50 | $1,228 |
| 60 | $1,204 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,730 |
| $250 | $1,556 |
| $500 | $1,350 |
| $1,000 | $1,150 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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