Subaru Legacy Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 22, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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.
Estimated insurance rates for a Subaru Legacy are $1,340 a year with full coverage. Comprehensive costs approximately $356 each year, collision insurance costs $494, and liability coverage is estimated at $354. A liability-only policy costs approximately $406 a year, and high-risk insurance costs around $2,858. Teen drivers pay the most at up to $4,780 a year.
Average premium for full coverage: $1,340
Premium estimates by type of coverage:
Estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and Legacy models.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Subaru Legacy range from the low end price of $406 for the bare minimum liability coverage to a high rate of $2,858 for a high-risk driver policy.
Insurance Price Range by Location
Living in a larger city has a large influence on the price of insurance. Rural locations are statistically proven to have lower incidents of collision claims than larger metro areas. The graphic below illustrates the difference location can make on auto insurance prices.
These rate differences demonstrate why all drivers should get quotes using their specific location, rather than using 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.
Additional Rate Information
The chart below details average Subaru Legacy insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $780
- Choosing higher $1,000 deductibles can save $192 annually
- The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,340
- Choosing low deductibles for comp and collision coverage bumps up the cost to $1,710
- Drivers with multiple violations and an at-fault accident could pay around $2,858
- An auto insurance policy that insures a teenage driver can cost $4,780 each year
Auto insurance prices for a Subaru Legacy also have a wide range based on the trim level and model year, your age and driving habits, and physical damage deductibles and liability limits.
If you have a few violations or you caused an accident, you may be forking out anywhere from $1,500 to $2,100 in extra premium annually, depending on your age. Insurance for high-risk drivers ranges around 44% to 126% more than average. View High Risk Driver Rates
More mature drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay in the ballpark of $4,700 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Subaru Legacy insurance rates. A good driver about age 40 could pay as low as $970 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,810 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,210 | -$130 | -9.7% |
| Alaska | $1,030 | -$310 | -23.1% |
| Arizona | $1,112 | -$228 | -17.0% |
| Arkansas | $1,340 | -$0 | 0.0% |
| California | $1,528 | $188 | 14.0% |
| Colorado | $1,278 | -$62 | -4.6% |
| Connecticut | $1,376 | $36 | 2.7% |
| Delaware | $1,516 | $176 | 13.1% |
| Florida | $1,674 | $334 | 24.9% |
| Georgia | $1,238 | -$102 | -7.6% |
| Hawaii | $964 | -$376 | -28.1% |
| Idaho | $910 | -$430 | -32.1% |
| Illinois | $998 | -$342 | -25.5% |
| Indiana | $1,010 | -$330 | -24.6% |
| Iowa | $902 | -$438 | -32.7% |
| Kansas | $1,272 | -$68 | -5.1% |
| Kentucky | $1,826 | $486 | 36.3% |
| Louisiana | $1,984 | $644 | 48.1% |
| Maine | $828 | -$512 | -38.2% |
| Maryland | $1,106 | -$234 | -17.5% |
| Massachusetts | $1,070 | -$270 | -20.1% |
| Michigan | $2,326 | $986 | 73.6% |
| Minnesota | $1,122 | -$218 | -16.3% |
| Mississippi | $1,606 | $266 | 19.9% |
| Missouri | $1,190 | -$150 | -11.2% |
| Montana | $1,440 | $100 | 7.5% |
| Nebraska | $1,056 | -$284 | -21.2% |
| Nevada | $1,608 | $268 | 20.0% |
| New Hampshire | $966 | -$374 | -27.9% |
| New Jersey | $1,498 | $158 | 11.8% |
| New Mexico | $1,186 | -$154 | -11.5% |
| New York | $1,410 | $70 | 5.2% |
| North Carolina | $772 | -$568 | -42.4% |
| North Dakota | $1,098 | -$242 | -18.1% |
| Ohio | $924 | -$416 | -31.0% |
| Oklahoma | $1,374 | $34 | 2.5% |
| Oregon | $1,228 | -$112 | -8.4% |
| Pennsylvania | $1,278 | -$62 | -4.6% |
| Rhode Island | $1,788 | $448 | 33.4% |
| South Carolina | $1,216 | -$124 | -9.3% |
| South Dakota | $1,132 | -$208 | -15.5% |
| Tennessee | $1,172 | -$168 | -12.5% |
| Texas | $1,616 | $276 | 20.6% |
| Utah | $992 | -$348 | -26.0% |
| Vermont | $916 | -$424 | -31.6% |
| Virginia | $802 | -$538 | -40.1% |
| Washington | $1,036 | -$304 | -22.7% |
| West Virginia | $1,230 | -$110 | -8.2% |
| Wisconsin | $924 | -$416 | -31.0% |
| Wyoming | $1,192 | -$148 | -11.0% |
Choosing high deductibles can save as much as $570 a year, whereas increasing liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $318 extra every year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Subaru Legacy 2.5I | $1,218 | $102 |
| Subaru Legacy 2.5I Premium | $1,258 | $105 |
| Subaru Legacy 2.5I Premium | $1,258 | $105 |
| Subaru Legacy 2.5I Limited | $1,340 | $112 |
| Subaru Legacy 3.6R | $1,340 | $112 |
| Subaru Legacy 3.6R Premium | $1,340 | $112 |
| Subaru Legacy 2.5 GT Limited | $1,410 | $118 |
| Subaru Legacy 2.5 GT Limited | $1,410 | $118 |
| Subaru Legacy 2.5 GT Limited | $1,410 | $118 |
| Subaru Legacy 2.5GT Premium | $1,382 | $115 |
| Subaru Legacy 3.6R Limited | $1,382 | $115 |
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 | $370 | $506 | $338 | $1,350 |
| 2023 Subaru Legacy | $356 | $494 | $354 | $1,340 |
| 2022 Subaru Legacy | $344 | $474 | $364 | $1,318 |
| 2021 Subaru Legacy | $326 | $458 | $376 | $1,296 |
| 2020 Subaru Legacy | $312 | $424 | $384 | $1,256 |
| 2019 Subaru Legacy | $300 | $400 | $388 | $1,224 |
| 2018 Subaru Legacy | $288 | $358 | $390 | $1,172 |
| 2017 Subaru Legacy | $270 | $330 | $390 | $1,126 |
| 2016 Subaru Legacy | $260 | $310 | $394 | $1,100 |
| 2015 Subaru Legacy | $254 | $288 | $402 | $1,080 |
| 2013 Subaru Legacy | $228 | $244 | $406 | $1,014 |
| 2012 Subaru Legacy | $212 | $222 | $402 | $972 |
| 2011 Subaru Legacy | $200 | $202 | $402 | $940 |
| 2010 Subaru Legacy | $194 | $182 | $398 | $910 |
| 2009 Subaru Legacy | $190 | $178 | $390 | $894 |
| 2008 Subaru Legacy | $188 | $168 | $384 | $876 |
| 2007 Subaru Legacy | $172 | $160 | $380 | $848 |
| 2006 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 Low Cost Subaru Legacy Insurance
Finding better rates on auto insurance takes being a low-risk driver, maintaining a good credit score, being claim-free, and possibly higher deductibles. Shop around every time your policy renews by requesting quotes from direct companies, and also from local insurance agencies.
The items below are a review of the information touched on in this article.
- You may be able to save around $160 per year just by quoting online in advance
- Teen drivers have the highest car insurance prices, possibly costing $398 per month if the policy includes full coverage
- Increasing policy deductibles can save approximately $550 each year
- Drivers who have several accidents or serious violations may have to pay on average $1,520 more per year to insure their Legacy
- Consumers who purchase more liability coverage will pay about $390 every year to raise limits from 30/60 bodily injury limits to the 250/500 level
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.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
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 | $4,780 |
| 20 | $3,014 |
| 30 | $1,406 |
| 40 | $1,340 |
| 50 | $1,220 |
| 60 | $1,194 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,710 |
| $250 | $1,542 |
| $500 | $1,340 |
| $1,000 | $1,148 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,340 |
| 50/100 | $1,453 |
| 100/300 | $1,541 |
| 250/500 | $1,771 |
| 100 CSL | $1,488 |
| 300 CSL | $1,683 |
| 500 CSL | $1,825 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,836 |
| 20 | $4,784 |
| 30 | $2,930 |
| 40 | $2,858 |
| 50 | $2,716 |
| 60 | $2,688 |
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 | $72 |
| Multi-vehicle | $66 |
| Homeowner | $19 |
| 5-yr Accident Free | $96 |
| 5-yr Claim Free | $86 |
| Paid in Full/EFT | $61 |
| Advance Quote | $64 |
| Online Quote | $96 |
| Total Discounts | $560 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
