2012 Subaru Legacy Insurance Rates

Average insurance rates for a 2012 Subaru Legacy are $1,126 a year for full coverage. Comprehensive insurance costs on average $270 a year, collision insurance costs $330, and liability coverage costs $390. Buying a liability-only policy costs as little as $438 a year, and high-risk insurance costs $2,394 or more. Teen drivers receive the highest rates at up to $4,182 a year.

Annual premium for full coverage: $1,126

Rate estimates for 2012 Subaru Legacy Insurance

Rate data is compiled from all 50 U.S. states and averaged for all 2012 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

View Chart as Image

These differences show why it is important for drivers to compare rates based on a specific location and risk profile, rather than using price averages.

Use the form below to get rates for your location.

Want cheaper insurance rates for your Subaru Legacy? Beginners to comparing rates online will discover shopping for the cheapest insurance is more work than they anticipated.

You should take the time to compare rates periodically because rates change frequently. Just because you had the lowest rates on Legacy coverage a year ago the chances are good that you can find a lower rate today. Starting now, block out anything you think you know about insurance because we’re going to show you the best way to save money, get proper coverage and the best rates.

If you are paying for car insurance now, you should be able to save some money using these techniques. Locating the best protection can be fairly easy. But drivers must learn how insurance companies market on the web because it can help you find the best coverage.

Pay less by taking advantage of discounts

Insurance can be prohibitively expensive, but there are discounts available that can drop the cost substantially. Some trigger automatically at the time of quoting, but some must be specifically requested before you will receive the discount.

• Theft Prevention System – Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.
• Defensive Driving Course – Completing a course in driver safety can save you 5% or more depending on where you live.
• Accident Free – Drivers with accident-free driving histories can save substantially when compared to drivers who are more careless.
• Safe Driver Discount – Safe drivers can get discounts for up to 45% lower rates on Legacy coverage than drivers with accident claims.
• Bundle and Save – When you have multiple policies with the same insurance company you could get a discount of at least 10% off all policies.
• Accident Waiver – Certain companies allow you one accident before raising your premiums so long as you haven’t had any claims for a certain period of time.
• Service Members Pay Less – Having a deployed family member can result in better rates.
• Seat Belts Save – Using a seat belt and requiring all passengers to use their safety belts can save up to 15% on the medical payments or PIP coverage costs.
• Multiple Vehicles – Insuring multiple vehicles with the same company qualifies for this discount.
• Pay Now and Pay Less – By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.

As a disclaimer on discounts, some credits don’t apply the whole policy. Most only cut specific coverage prices like comprehensive or collision. So when the math indicates you could get a free insurance policy, you won’t be that lucky. Any qualifying discounts will cut the amount you have to pay.

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

Factors that can influence Subaru Legacy insurance rates

Smart consumers have a good feel for the different types of things that play a part in calculating your insurance rates. Having a good understanding of what determines base rates allows you to make educated decisions that can help you get lower insurance prices.

• Better credit means lower rates – Your credit score is a huge factor in your rate calculation. So if your credit score is lower than you’d like, you could be paying less to insure your 2012 Subaru Legacy by improving your rating. Consumers who have high credit ratings tend to be less risk to insure than drivers who have poor credit.
• Increase deductibles and save – Deductibles for physical damage represent how much money you are willing to pay if you file a covered claim. Coverage for physical damage, also known as collision and other-than-collision, insures against damage to your car. Some examples of claims that would be covered could be colliding with a building, collision with an animal, and burglary. The higher the amount the insured has to pay upfront, the lower your rates will be on Legacy coverage.
• Your occupation can affect rates – Occupations like judges, architects and dentists tend to pay the highest average rates due to job stress and lots of time spent at work. Other occupations like pilots, historians and the unemployed have the lowest average rates on Legacy coverage.
• Drive less and save money – The higher the mileage driven in a year’s time the more you will pay for insurance. Most companies price each vehicle’s coverage based on their usage. Vehicles left parked in the garage can get a lower rate as compared to vehicles used primarily for driving to work. An improperly rated Legacy can cost quite a bit. Make sure your insurance declarations sheet shows the correct usage for each vehicle, because it can save money.
• Younger drivers pay higher rates – Teen drivers tend to be more careless behind the wheel so they pay higher insurance rates. Adding a teen driver onto your insurance can be very expensive. Older drivers are viewed as being more responsible, statistically cause fewer accidents and get fewer tickets.

Your coverage should be tailored to you

When choosing proper insurance coverage for your personal vehicles, there is no single plan that fits everyone. Each situation is unique.

For example, these questions can help discover if your insurance needs could use an agent’s help.

• Does coverage extend to a rental car in a foreign country?
• What is the ISO rating for a 2012 Subaru Legacy?
• What is the minimum liability in my state?
• Am I covered if I hit a deer?
• Is upholstery damage covered by car insurance?
• Does coverage extend to Mexico or Canada?
• Can I get a multi-policy discount?
• Does medical payments coverage apply to all occupants?
• Do I need special endorsements for business use of my vehicle?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form.

Specifics of your auto insurance policy

Having a good grasp of your auto insurance policy can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Liability car insurance – This provides protection from damage or injury you incur to other people or property by causing an accident. It protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims like repair bills for other people’s vehicles, funeral expenses and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP pay for short-term medical expenses like hospital visits, surgery, ambulance fees and X-ray expenses. They are used in conjunction with a health insurance plan or if you do not have health coverage. They cover both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like damage from flooding, hail damage, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum payout your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Subaru Legacy.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision – This will pay to fix damage to your Legacy caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like rolling your car, driving through your garage door, hitting a parking meter and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Make a quick buck

When buying insurance coverage, you should never sacrifice coverage to reduce premiums. There are many occasions where an insured dropped collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to get the best coverage possible at an affordable rate, not the least amount of coverage.

Drivers change insurance companies for many reasons like lack of trust in their agent, not issuing a premium refund, poor customer service and delays in responding to claim requests. Whatever your reason, finding the right insurance coverage provider can be easy and end up saving you some money.

We covered a lot of information how to save on 2012 Subaru Legacy insurance. The key concept to understand is the more rate quotes you have, the better likelihood of reducing your rate. You may be surprised to find that the biggest savings come from some of the smallest insurance companies.

Much more information about insurance coverage can be read below:

• Teen Driving Statistics (iihs.org)
• What is Full Coverage? (Allstate)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Safety Belts FAQ (iihs.org)

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