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2009 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 20, 2020

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Average insurance rates for a 2009 Subaru Legacy are $1,014 a year for full coverage insurance. Comprehensive insurance costs approximately $228, collision costs $244, and liability costs around $406. Buying a liability-only policy costs as low as $450 a year, with high-risk insurance costing $2,152 or more. Teenage drivers receive the highest rates at $3,852 a year or more.

Annual premium for full coverage: $1,014

Rate estimates for 2009 Subaru Legacy Insurance

Comprehensive $228
Collision $244
Liability $406

Rate data is compiled from all 50 U.S. states and averaged for all 2009 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 40-year-old driver, prices range go from as low as $450 for the bare minimum liability coverage to the much higher price of $2,152 for high-risk insurance.

Liability Only $450
Full Coverage $1,014
High Risk $2,152

View Chart as Image

2009 Subaru Legacy insurance rates compared
Column chart showing 2009 Subaru Legacy insurance prices range from $613 to $3,852 for full coverage

These differences illustrate why everyone should compare prices using their specific location and risk profile, instead of using average rates.

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 2009 Subaru Legacy Insurance

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Want cheaper insurance coverage rates for your Subaru Legacy? Nobody I know cherishes buying insurance coverage, especially knowing their premiums are through the roof. With so many choices, it can be diffult for consumers to find the right insurer.

Buying car insurance is not that difficult. If you have insurance now or are looking for a new policy, you can learn to reduce the price you pay while maintaining coverages. Drivers just need to learn the most efficient way to find the lowest price online.

How to Compare Auto Insurance Costs

Finding a lower price on 2009 Subaru Legacy insurance can be relatively painless. You just have to take a few minutes comparing price quotes provided by online insurance companies. It is quite easy and can be accomplished in several different ways.

  1. The best way to find low rates is an all-inclusive rate comparison (click to open form in new window). This method prevents you from having to do separate quotation requests for each company. Completing one form will return quotes direct from many companies.
  2. A more difficult way to obtain and compare quotes online consists of visiting the website of each company and request a quote. For sake of this example, we’ll assume you want comparison quotes from USAA, Progressive and Liberty Mutual. To get rate quotes you would need to visit each site to enter your coverage information, and that’s why the first method is more popular.

    For a handy list of car insurance company links in your area, click here.

It doesn’t matter which method you choose, just ensure you’re using identical deductibles and coverage limits with each company. If you are comparing different limits and deductibles on each one you will not be able to decipher which rate is best.

Be sure to get all your discounts

Companies offering auto insurance don’t always list every discount in an easy-to-find place, so the following is a list of some of the more common and also the lesser-known auto insurance savings. If they aren’t giving you every credit available, you’re paying more than you need to.

  • Clubs and Organizations – Being a member of a qualifying organization could trigger savings on your policy for Legacy insurance.
  • Seat Belt Usage – Buckling up and requiring all passengers to buckle their seat belts could save 15% off your PIP or medical payments premium.
  • Safe Driver Discount – Insureds without accidents may save up to 50% more for Legacy insurance than drivers with accidents.
  • Homeowners Pay Less – Owning a house can help you save on auto insurance because owning a home requires personal responsibility.
  • Lower Rates for Military – Having a deployed family member could mean lower rates.
  • Payment Method – By paying your policy upfront rather than paying monthly you can actually save on your bill.
  • Federal Employees – Being employed by or retired from a federal job can save as much as 8% for Legacy insurance depending on your company.

As a disclaimer on discounts, some credits don’t apply to the entire cost. Some only apply to specific coverage prices like medical payments or collision. So despite the fact that it appears adding up those discounts means a free policy, it just doesn’t work that way.

For a list of insurance companies with discount auto insurance rates, click here to view.

How do I know if I need professional advice?

When choosing the best insurance coverage coverage, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs and your policy should reflect that. For instance, these questions can help discover if you would benefit from an agent’s advice.

  • When do I need to add a new car to my policy?
  • Is there coverage for injuries to my pets?
  • Do I benefit by insuring my home with the same company?
  • What is the rate difference between pleasure use and commuting?
  • Can I drive in Mexico and have coverage?
  • Should I buy full coverage?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

Free Auto Insurance Comparison

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

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Insurance coverage breakdown

Understanding the coverages of your insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Insurance terms can be confusing and coverage can change by endorsement. Listed below are the normal coverages found on the average insurance policy.

Uninsured or underinsured coverage – This gives you protection from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 2009 Subaru Legacy.

Because many people 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 is very important.

Medical expense coverage – Med pay and PIP coverage pay for bills for things like pain medications, X-ray expenses and EMT expenses. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible

Collision – This pays for damage to your Legacy resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like sustaining damage from a pot hole, colliding with another moving vehicle, backing into a parked car, hitting a mailbox and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

Liability insurance – Liability insurance protects you from damage that occurs to other people or property. This insurance protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage protects against things like funeral expenses, attorney fees, bail bonds, court costs and loss of income. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive protection – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hitting a deer, rock chips in glass and falling objects. The highest amount your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2009 Subaru Legacy Insurance Rates by City
City Premium
New York City, NY $1,599
Los Angeles, CA $1,731
Philadelphia, PA $1,350
Jacksonville, FL $1,469
Phoenix, AZ $1,176
Chicago, IL $1,357
Houston, TX $1,586
Seattle, WA $985
Columbus, OH $845
Indianapolis, IN $863

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2009 Subaru Legacy Insurance Rates by Driver Age
Driver Age Premium
16 $3,852
20 $2,264
30 $1,042
40 $1,014
50 $926
60 $906

Full coverage, $500 deductibles

Rates by Deductible

2009 Subaru Legacy Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,216
$250 $1,126
$500 $1,014
$1,000 $906

Full coverage, driver age 40

Rates by Liability Limit

Subaru Legacy Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,014
50/100 $1,095
100/300 $1,197
250/500 $1,461
100 CSL $1,136
300 CSL $1,359
500 CSL $1,522

Full coverage, driver age 40

Rates for High Risk Drivers

2009 Subaru Legacy Insurance Rates for High Risk Drivers
Age Premium
16 $5,448
20 $3,598
30 $2,182
40 $2,152
50 $2,050
60 $2,026

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 $131

Potential Rate Discounts

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

Discount Savings
Multi-policy $53
Multi-vehicle $52
Homeowner $17
5-yr Accident Free $63
5-yr Claim Free $63
Paid in Full/EFT $39
Advance Quote $44
Online Quote $70
Total Discounts $401
Rate after discounts $613

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

Find companies with the cheapest rates in your area

2009 Subaru Legacy Insurance Rates by State
State Premium
Alabama $914
Alaska $778
Arizona $840
Arkansas $1,014
California $1,154
Colorado $966
Connecticut $1,038
Delaware $1,146
Florida $1,266
Georgia $936
Hawaii $728
Idaho $684
Illinois $754
Indiana $764
Iowa $682
Kansas $960
Kentucky $1,382
Louisiana $1,498
Maine $624
Maryland $834
Massachusetts $806
Michigan $1,756
Minnesota $850
Mississippi $1,214
Missouri $898
Montana $1,088
Nebraska $798
Nevada $1,214
New Hampshire $730
New Jersey $1,134
New Mexico $896
New York $1,066
North Carolina $584
North Dakota $832
Ohio $698
Oklahoma $1,038
Oregon $928
Pennsylvania $964
Rhode Island $1,350
South Carolina $918
South Dakota $854
Tennessee $886
Texas $1,220
Utah $750
Vermont $692
Virginia $606
Washington $782
West Virginia $928
Wisconsin $698
Wyoming $902

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