Subaru Legacy Insurance Rates
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UPDATED: Jun 1, 2023
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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.
The average auto insurance rates for a Subaru Legacy are $830 annually including full coverage. Comprehensive insurance costs around $166, collision insurance costs $152, and liability costs around $376. A liability-only policy costs as low as $426 a year, and high-risk insurance costs $1,756 or more. Teen drivers cost the most to insure at up to $3,262 a year.
Average premium for full coverage: $830
Policy rates for type of insurance:
Rates are based on $500 deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for different Legacy trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Subaru Legacy insurance rates range from as cheap as $426 for just liability insurance to a much higher rate of $1,756 for a high-risk insurance policy.
Urban vs. Rural Price Range
Where you live can make a big difference on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than larger metro areas. The price range example below illustrates how rural and urban location affects auto insurance rates.
The examples above highlight why anyone shopping for car insurance should compare prices for a specific zip code and their own personal driving habits, instead of making a decision based on price averages.
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 lowest rate with discounts is $516
- Using higher $1,000 deductibles will save about $74 every year
- The estimated rate for a good driver age 40 using $500 deductibles is $830
- Choosing more expensive low deductibles for physical damage coverage costs an additional $136 annually
- High-risk insureds with multiple violations and an at-fault accident could pay at least $1,756
- Policy cost with full coverage for a 16-year-old driver with full coverage can be $3,262 or more
Car insurance rates for a Subaru Legacy also range considerably based on the model year and trim level, your driving characteristics, and deductibles and policy limits.
An older driver with no driving violations and high physical damage deductibles may pay as low as $800 a year, or $67 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged as much as $3,200 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are likely paying at least $1,000 to $1,400 extra every year, depending on your age. High-risk driver insurance can be from 43% to 134% more than average. View High Risk Driver Rates
Choosing high deductibles could cut rates by as much as $210 annually, while increasing your policy's liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $339 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Subaru Legacy insurance prices. A driver around age 40 might see rates as low as $640 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,180 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $750 | -$80 | -9.6% |
| Alaska | $636 | -$194 | -23.4% |
| Arizona | $688 | -$142 | -17.1% |
| Arkansas | $830 | -$0 | 0.0% |
| California | $946 | $116 | 14.0% |
| Colorado | $792 | -$38 | -4.6% |
| Connecticut | $850 | $20 | 2.4% |
| Delaware | $938 | $108 | 13.0% |
| Florida | $1,036 | $206 | 24.8% |
| Georgia | $768 | -$62 | -7.5% |
| Hawaii | $598 | -$232 | -28.0% |
| Idaho | $562 | -$268 | -32.3% |
| Illinois | $618 | -$212 | -25.5% |
| Indiana | $626 | -$204 | -24.6% |
| Iowa | $558 | -$272 | -32.8% |
| Kansas | $788 | -$42 | -5.1% |
| Kentucky | $1,130 | $300 | 36.1% |
| Louisiana | $1,228 | $398 | 48.0% |
| Maine | $512 | -$318 | -38.3% |
| Maryland | $684 | -$146 | -17.6% |
| Massachusetts | $660 | -$170 | -20.5% |
| Michigan | $1,440 | $610 | 73.5% |
| Minnesota | $694 | -$136 | -16.4% |
| Mississippi | $992 | $162 | 19.5% |
| Missouri | $738 | -$92 | -11.1% |
| Montana | $890 | $60 | 7.2% |
| Nebraska | $652 | -$178 | -21.4% |
| Nevada | $992 | $162 | 19.5% |
| New Hampshire | $600 | -$230 | -27.7% |
| New Jersey | $928 | $98 | 11.8% |
| New Mexico | $734 | -$96 | -11.6% |
| New York | $872 | $42 | 5.1% |
| North Carolina | $478 | -$352 | -42.4% |
| North Dakota | $680 | -$150 | -18.1% |
| Ohio | $572 | -$258 | -31.1% |
| Oklahoma | $850 | $20 | 2.4% |
| Oregon | $760 | -$70 | -8.4% |
| Pennsylvania | $790 | -$40 | -4.8% |
| Rhode Island | $1,108 | $278 | 33.5% |
| South Carolina | $752 | -$78 | -9.4% |
| South Dakota | $700 | -$130 | -15.7% |
| Tennessee | $728 | -$102 | -12.3% |
| Texas | $1,000 | $170 | 20.5% |
| Utah | $612 | -$218 | -26.3% |
| Vermont | $566 | -$264 | -31.8% |
| Virginia | $498 | -$332 | -40.0% |
| Washington | $640 | -$190 | -22.9% |
| West Virginia | $760 | -$70 | -8.4% |
| Wisconsin | $572 | -$258 | -31.1% |
| Wyoming | $738 | -$92 | -11.1% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Subaru Legacy 2.5I | $788 | $66 |
| Subaru Legacy 2.5I Premium | $800 | $67 |
| Subaru Legacy 2.5I Premium | $800 | $67 |
| Subaru Legacy 2.5I Limited | $830 | $69 |
| Subaru Legacy 3.6R | $830 | $69 |
| Subaru Legacy 3.6R Premium | $830 | $69 |
| Subaru Legacy 2.5 GT Limited | $854 | $71 |
| Subaru Legacy 2.5 GT Limited | $854 | $71 |
| Subaru Legacy 2.5 GT Limited | $854 | $71 |
| Subaru Legacy 2.5GT Premium | $846 | $71 |
| Subaru Legacy 3.6R Limited | $846 | $71 |
Rates assume 1996 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 |
|---|---|---|---|---|
| 2015 Subaru Legacy | $270 | $330 | $390 | $1,126 |
| 2011 Subaru Legacy | $228 | $244 | $406 | $1,014 |
| 2010 Subaru Legacy | $212 | $222 | $402 | $972 |
| 2009 Subaru Legacy | $200 | $202 | $402 | $940 |
| 2008 Subaru Legacy | $194 | $182 | $398 | $910 |
| 2007 Subaru Legacy | $190 | $178 | $390 | $894 |
| 2006 Subaru Legacy | $188 | $168 | $384 | $876 |
| 2005 Subaru Legacy | $172 | $160 | $380 | $848 |
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 Buy the Best Cheap Subaru Legacy Insurance
Finding cheaper rates on insurance for a Subaru Legacy requires not taking risks behind the wheel, having a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Set aside time to shop around at least every other year by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following is a quick review of the car insurance concepts raised in the charts and tables above.
- Drivers considered higher risk with a DUI or reckless driving violation may pay on average $930 more every year for Legacy insurance
- You may be able to save up to $90 per year just by shopping early and online
- Increasing comprehensive and collision deductibles could save up to $200 each year
- Insureds who may need higher liability limits will pay about $410 per year to increase from a 30/60 limit to higher 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 | $3,262 |
| 20 | $1,856 |
| 30 | $846 |
| 40 | $830 |
| 50 | $760 |
| 60 | $744 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $966 |
| $250 | $906 |
| $500 | $830 |
| $1,000 | $756 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $830 |
| 50/100 | $921 |
| 100/300 | $1,015 |
| 250/500 | $1,260 |
| 100 CSL | $959 |
| 300 CSL | $1,166 |
| 500 CSL | $1,316 |
Full coverage, driver age 40
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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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