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2011 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 2011 Subaru Legacy are $1,100 a year for full coverage insurance. Comprehensive costs approximately $260 a year, collision costs $310, and liability insurance costs around $394. Buying a liability-only policy costs as low as $440 a year, with high-risk insurance costing around $2,338. Teen drivers receive the highest rates at $4,104 a year or more.

Annual premium for full coverage: $1,100

Rate estimates for 2011 Subaru Legacy Insurance

Comprehensive $260
Collision $310
Liability $394

Rate data is compiled from all 50 U.S. states and averaged for all 2011 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 driver in their 40's, prices range go from as low as $440 for only liability insurance to a high of $2,338 for a driver who has had serious violations or accidents.

Liability Only $440
Full Coverage $1,100
High Risk $2,338

View Chart as Image

2011 Subaru Legacy insurance rates compared
Column chart showing 2011 Subaru Legacy insurance prices range from $656 to $4,104 for full coverage

These differences illustrate why it is important for drivers to compare prices using their specific location and risk profile, rather than relying 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 2011 Subaru Legacy Insurance

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Drivers have a choice when trying to find affordable Subaru Legacy insurance. You can either waste hours contacting agents to get rate comparisons or use the internet to get rate quotes. There are more efficient ways to buy auto insurance and you need to know the quickest way to price shop coverage for a Subaru and find the cheapest rates from both online companies and local agents.

Be sure to get all your discounts

Auto insurance companies don’t always list every available discount in a way that’s easy to find, so we break down some of the best known and the more hidden discounts you could be receiving. If you aren’t receiving every discount you qualify for, you are paying more than you should be.

  • Driver Safety – Completing a driver safety course could cut 5% off your bill if your company offers it.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems are safer to drive and earn discounts up to 10%.
  • Life Insurance Discount – Select insurance companies reward you with a break if you buy auto and life insurance together.
  • Clubs and Organizations – Being a member of a civic or occupational organization could qualify you for a break when buying insurance coverage for Legacy insurance.
  • Service Members Pay Less – Having a family member in the military can result in better rates.
  • 55 and Retired – Older drivers may receive better insurance coverage rates for Legacy insurance.
  • Discount for Good Grades – This discount can get you a discount of up to 25%. The good student discount can last up to age 25.
  • Discounts for Safe Drivers – Safe drivers may receive a discount up to 45% less for Legacy insurance than their less cautious counterparts.

Drivers should understand that most discount credits are not given the whole policy. Most only cut the price of certain insurance coverages like liability and collision coverage. Just because it seems like you could get a free insurance coverage policy, it doesn’t quite work that way.

For a list of insurance companies offering insurance coverage discounts, click here to view.

Some factors that can determine what Subaru Legacy insurance costs

Smart consumers have a good feel for the factors that help determine the rates you pay for insurance coverage. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that could result in lower insurance coverage prices.

The following are some of the factors companies use to determine premiums.

  • Credit scores impact insurance coverage rates – A driver’s credit score is a big factor in calculating your insurance coverage rates. If your credit score is lower than you’d like, you could save money insuring your 2011 Subaru Legacy by improving your credit score. Drivers with good credit tend to file fewer claims and have better driving records than drivers who have poor credit.
  • Too many insurance coverage claims drive up costs – If you frequently file small claims, you can expect higher rates. Companies provide better rates to people who file claims infrequently. Insurance coverage is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Being married is a good thing – Having a spouse can actually save you money on your insurance coverage policy. Marriage is viewed as being more mature than a single person it has been statistically shown that being married results in fewer claims.
  • Proper usage rating affects rates – The more you drive each year the more you’ll pay to insure your vehicle. The majority of insurers price each vehicle’s coverage based on their usage. Cars and trucks not used for work or commuting qualify for better rates as compared to vehicles used primarily for driving to work. Ask your agent if your insurance coverage policy shows the correct driver usage. Incorrect usage on your Legacy may be costing you.

How do I know if I need professional advice?

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Everyone’s needs are different.

For example, these questions might help in determining whether you could use an agent’s help.

  • Do all my vehicles need collision coverage?
  • Am I missing any policy discounts?
  • Which is better, split liability limits or combined limits?
  • Are rock chip repairs covered?
  • Is my ex-spouse still covered by my policy?
  • Do I need PIP coverage since I have good health insurance?
  • Exactly who is provided coverage by my policy?
  • Do I need to file an SR-22 for a DUI in my state?
  • Does medical payments coverage apply to all occupants?
  • Am I covered when using my vehicle for business?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an agent. If you don’t have a local agent, complete this form. It only takes a few minutes and you can get the answers you need.

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Insurance coverages explained

Learning about specific coverages of a insurance policy helps when choosing the best coverages for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for bills for nursing services, ambulance fees, chiropractic care, funeral costs and hospital visits. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Collision insurance

Collision insurance pays for damage to your Legacy resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things such as crashing into a ditch, rolling your car, damaging your car on a curb and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.


Liability insurance provides protection from damages or injuries you inflict on people or other property in an accident. This coverage protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability can pay for things such as attorney fees, loss of income, court costs and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Comprehensive coverage (or Other than Collision)

This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as falling objects, vandalism, damage from getting keyed, theft and damage from a tornado or hurricane. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Saving money makes a lot of cents

While you’re price shopping online, it’s a bad idea to buy less coverage just to save a little money. There are a lot of situations where an insured cut comprehensive coverage or liability limits only to discover later that the savings was not a smart move. The aim is to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

Drivers leave their current company for many reasons like not issuing a premium refund, unfair underwriting practices, lack of trust in their agent and being labeled a high risk driver. It doesn’t matter why you want to switch choosing a new insurance company is pretty simple and you could end up saving a buck or two.

Discount 2011 Subaru Legacy insurance is attainable on the web and with local insurance agents, and you need to price shop both to have the best selection. Some companies do not offer online price quotes and usually these small insurance companies provide coverage only through local independent agents.

Additional insurance coverage information can be read at these links:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2011 Subaru Legacy Insurance Rates by City
City Premium
New York City, NY $1,737
Los Angeles, CA $1,878
Philadelphia, PA $1,464
Jacksonville, FL $1,592
Phoenix, AZ $1,277
Chicago, IL $1,472
Houston, TX $1,721
Seattle, WA $1,066
Columbus, OH $917
Indianapolis, IN $938

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2011 Subaru Legacy Insurance Rates by Driver Age
Driver Age Premium
16 $4,104
20 $2,464
30 $1,138
40 $1,100
50 $1,004
60 $984

Full coverage, $500 deductibles

Rates by Deductible

2011 Subaru Legacy Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,344
$250 $1,234
$500 $1,100
$1,000 $970

Full coverage, driver age 40

Rates by Liability Limit

Subaru Legacy Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,100
50/100 $1,179
100/300 $1,277
250/500 $1,533
100 CSL $1,218
300 CSL $1,435
500 CSL $1,593

Full coverage, driver age 40

Rates for High Risk Drivers

2011 Subaru Legacy Insurance Rates for High Risk Drivers
Age Premium
16 $5,824
20 $3,914
30 $2,378
40 $2,338
50 $2,226
60 $2,202

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 $144

Potential Rate Discounts

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

Discount Savings
Multi-policy $58
Multi-vehicle $56
Homeowner $18
5-yr Accident Free $72
5-yr Claim Free $69
Paid in Full/EFT $44
Advance Quote $50
Online Quote $77
Total Discounts $444
Rate after discounts $656

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

Find companies with the cheapest rates in your area

2011 Subaru Legacy Insurance Rates by State
State Premium
Alabama $992
Alaska $842
Arizona $912
Arkansas $1,100
California $1,252
Colorado $1,048
Connecticut $1,128
Delaware $1,242
Florida $1,372
Georgia $1,016
Hawaii $790
Idaho $746
Illinois $818
Indiana $830
Iowa $740
Kansas $1,042
Kentucky $1,498
Louisiana $1,626
Maine $678
Maryland $908
Massachusetts $878
Michigan $1,908
Minnesota $920
Mississippi $1,316
Missouri $974
Montana $1,180
Nebraska $864
Nevada $1,318
New Hampshire $792
New Jersey $1,228
New Mexico $972
New York $1,158
North Carolina $634
North Dakota $902
Ohio $758
Oklahoma $1,126
Oregon $1,008
Pennsylvania $1,046
Rhode Island $1,464
South Carolina $998
South Dakota $928
Tennessee $962
Texas $1,324
Utah $812
Vermont $752
Virginia $658
Washington $846
West Virginia $1,008
Wisconsin $760
Wyoming $980

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