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2004 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 2004 Subaru Legacy are $894 a year for full coverage insurance. Comprehensive insurance costs around $190, collision costs $178, and liability costs around $390. Buying a liability-only policy costs as low as $438 a year, with high-risk insurance costing $1,892 or more. Teen drivers receive the highest rates at $3,466 a year or more.

Annual premium for full coverage: $894

Rate estimates for 2004 Subaru Legacy Insurance

Comprehensive $190
Collision $178
Liability $390

Rate data is compiled from all 50 U.S. states and averaged for all 2004 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 the average driver, prices range go from as low as $438 for just liability insurance to a much higher rate of $1,892 for a driver that may need high-risk insurance.

Liability Only $438
Full Coverage $894
High Risk $1,892

View Chart as Image

2004 Subaru Legacy insurance rates compared
Column chart showing 2004 Subaru Legacy insurance prices range from $550 to $3,466 for full coverage

These differences illustrate why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, instead of making a decision based on 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 2004 Subaru Legacy Insurance

Searching Companies

Trying to find better car insurance rates? Buyers have a choice when searching for the best price on Subaru Legacy insurance. They can either waste time struggling with agents to compare prices or use the internet to make rate comparisons.

There is a better way to compare car insurance rates so we’re going to tell you the best way to get price quotes for a new or used Subaru and find the best price possible from local insurance agents and online providers.

You need to get comparison quotes quite often since insurance rates go up and down regularly. Despite the fact that you may have had the lowest price for Legacy insurance six months ago there may be better deals available now. You can find a lot of misleading information regarding car insurance online but we’re going to give you the best ways to reduce your car insurance bill.

Companies offer discounts so take them!

Car insurance can cost a lot, but there could be available discounts that you may not even be aware of. A few discounts will automatically apply when you complete an application, but some must be asked for before you get the savings. If you don’t get every credit possible, you are throwing money away.

  • Pay Upfront and Save – If paying your policy premium upfront instead of making monthly payments you could save 5% or more.
  • Drive Less and Save – Driving fewer miles could qualify for a substantially lower rate.
  • Distant Student – Kids in college who are attending college without a vehicle on campus may qualify for this discount.
  • More Vehicles More Savings – Insuring multiple cars or trucks on the same insurance coverage policy may reduce the rate for each vehicle.
  • Military Discounts – Being on active duty in the military can result in better rates.
  • Organization Discounts – Belonging to a qualifying organization could trigger savings on insurance coverage for Legacy insurance.
  • Student Driver Training – Require your teen driver to take driver’s ed class if it’s offered in school.
  • Braking Control Discount – Vehicles with anti-lock braking systems prevent accidents and earn discounts up to 10%.
  • Life Insurance – Larger companies have better rates if you take out life insurance from them.

Drivers should understand that many deductions do not apply to the entire policy premium. Most cut the cost of specific coverages such as comp or med pay. Just because it seems like all the discounts add up to a free policy, you’re out of luck. Any qualifying discounts will reduce your premiums.

For a list of insurers with discount insurance coverage rates, click here to view.

Do I just need basic coverages?

When it comes to choosing the best car insurance coverage, there really is no “best” method to buy coverage. Everyone’s needs are different.

For instance, these questions can help discover if you will benefit from professional help.

  • Should I waive the damage coverage when renting a car?
  • What if I owe more than I can insure my car for?
  • Will I lose any money if I cancel my policy before it expires?
  • Am I insured when driving a different vehicle?
  • How high should my medical payments coverage be?
  • Does my medical payments coverage pay my health insurance deductible?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form. It’s fast, free and may give you better protection.

Free Auto Insurance Comparison

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

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Coverage specifics

Having a good grasp of a insurance policy can help you determine which coverages you need for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Subaru Legacy.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Usually these limits are similar to your liability insurance amounts.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as EMT expenses, pain medications, surgery and doctor visits. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. It covers you and your occupants and will also cover being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage

Liability coverage – Liability coverage will cover injuries or damage you cause to other’s property or people. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Some companies may use one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims such as repair costs for stationary objects, court costs and emergency aid. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

Collision – Collision coverage covers damage to your Legacy from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like driving through your garage door, colliding with another moving vehicle, crashing into a building and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

Comprehensive coverage – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like fire damage, vandalism and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Saving money makes a lot of cents

Affordable 2004 Subaru Legacy insurance can be bought on the web as well as from independent agents, and you should compare price quotes from both to get a complete price analysis. Some insurance providers don’t offer online quoting and usually these small insurance companies provide coverage only through local independent agents.

Throughout this article, we presented a lot of techniques to lower your insurance rates. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. You may even discover the most savings is with some of the lesser-known companies.

People change insurance companies for any number of reasons including policy non-renewal, not issuing a premium refund, high prices or high rates after DUI convictions. It doesn’t matter why you want to switch switching auto insurance companies is pretty easy and you might even save some money in the process.

For more information, link through to the articles below:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2004 Subaru Legacy Insurance Rates by City
City Premium
New York City, NY $1,410
Los Angeles, CA $1,530
Philadelphia, PA $1,190
Jacksonville, FL $1,295
Phoenix, AZ $1,039
Chicago, IL $1,199
Houston, TX $1,401
Seattle, WA $869
Columbus, OH $745
Indianapolis, IN $762

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2004 Subaru Legacy Insurance Rates by Driver Age
Driver Age Premium
16 $3,466
20 $1,994
30 $914
40 $894
50 $820
60 $802

Full coverage, $500 deductibles

Rates by Deductible

2004 Subaru Legacy Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,050
$250 $980
$500 $894
$1,000 $810

Full coverage, driver age 40

Rates by Liability Limit

Subaru Legacy Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $894
50/100 $972
100/300 $1,070
250/500 $1,323
100 CSL $1,011
300 CSL $1,226
500 CSL $1,382

Full coverage, driver age 40

Rates for High Risk Drivers

2004 Subaru Legacy Insurance Rates for High Risk Drivers
Age Premium
16 $4,886
20 $3,166
30 $1,914
40 $1,892
50 $1,804
60 $1,782

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 $113

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $45
Multi-vehicle $46
Homeowner $15
5-yr Accident Free $52
5-yr Claim Free $55
Paid in Full/EFT $32
Advance Quote $38
Online Quote $61
Total Discounts $344
Rate after discounts $550

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2004 Subaru Legacy Insurance Rates by State
State Premium
Alabama $808
Alaska $686
Arizona $742
Arkansas $894
California $1,020
Colorado $854
Connecticut $918
Delaware $1,010
Florida $1,116
Georgia $828
Hawaii $644
Idaho $606
Illinois $666
Indiana $674
Iowa $602
Kansas $850
Kentucky $1,220
Louisiana $1,322
Maine $554
Maryland $738
Massachusetts $712
Michigan $1,552
Minnesota $750
Mississippi $1,070
Missouri $796
Montana $960
Nebraska $704
Nevada $1,070
New Hampshire $646
New Jersey $1,000
New Mexico $790
New York $940
North Carolina $516
North Dakota $734
Ohio $616
Oklahoma $918
Oregon $818
Pennsylvania $850
Rhode Island $1,192
South Carolina $810
South Dakota $756
Tennessee $784
Texas $1,078
Utah $664
Vermont $612
Virginia $534
Washington $690
West Virginia $820
Wisconsin $616
Wyoming $796

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