Subaru Legacy Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 1, 2023

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Subaru Legacy insurance
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.

The average insurance rates for a Subaru Legacy are $830 a year for full coverage. Comprehensive costs on average $166 a year, collision costs $152, and liability insurance costs around $376. A liability-only policy costs as low as $426 a year, with high-risk insurance costing around $1,756. Teenage drivers cost the most to insure at $3,262 a year or more.

Average premium for full coverage: $830

Policy rates by type of insurance:

Comprehensive $166
Collision $152
Liability $376

Rates are based on $500 physical damage deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and Legacy trim levels.

Price Range Variability

For an average driver, Subaru Legacy insurance rates go from the low end price of $426 for the bare minimum liability coverage to a high of $1,756 for a high-risk driver policy.

Liability Only $426
Full Coverage $830
High Risk $1,756

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance rates. Rural areas are shown to have lower incidents of accident claims than densely populated cities.

The diagram below illustrates the effect of geographic area on car insurance rates.

Rural Areas $623
Small Cities $872
Large Cities $1,121

The examples above show why it is important to compare prices based on a specific location, rather than relying on average rates.

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 shows estimated Subaru Legacy insurance rates for different risk profiles and scenarios.

  • The best discount rate is $516
  • Using higher $1,000 deductibles will save around $756 a year
  • The estimated price for a good driver age 40 with $500 deductibles is $830
  • Using low $100 deductibles for physical damage coverage bumps up the cost to $966
  • Drivers who are prone to accidents and violations could pay upwards of $1,756 or more
  • Policy cost that insures a teen driver may cost $3,262 or more

View Chart as Image

Subaru Legacy insurance cost comparison chart
Column chart showing full coverage Subaru Legacy insurance rates range from $516 to $3,262

Car insurance rates for a Subaru Legacy also range considerably based on the trim level of your Legacy, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,000 to $1,400 extra every year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 134% more than a normal policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $800 a year, or $67 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged upwards of $3,200 a year. View Rates by Age

Your home state has a huge impact on Subaru Legacy insurance rates. A driver around age 40 might see rates as low as $550 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,180 on average in Michigan, Louisiana, and New York.

Subaru Legacy Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $750 -$80 -9.6%
Alaska $636 -$194 -23.4%
Arizona $688 -$142 -17.1%
Arkansas $830 -$0 0.0%
California $946 $116 14.0%
Colorado $792 -$38 -4.6%
Connecticut $850 $20 2.4%
Delaware $938 $108 13.0%
Florida $1,036 $206 24.8%
Georgia $768 -$62 -7.5%
Hawaii $598 -$232 -28.0%
Idaho $562 -$268 -32.3%
Illinois $618 -$212 -25.5%
Indiana $626 -$204 -24.6%
Iowa $558 -$272 -32.8%
Kansas $788 -$42 -5.1%
Kentucky $1,130 $300 36.1%
Louisiana $1,228 $398 48.0%
Maine $512 -$318 -38.3%
Maryland $684 -$146 -17.6%
Massachusetts $660 -$170 -20.5%
Michigan $1,440 $610 73.5%
Minnesota $694 -$136 -16.4%
Mississippi $992 $162 19.5%
Missouri $738 -$92 -11.1%
Montana $890 $60 7.2%
Nebraska $652 -$178 -21.4%
Nevada $992 $162 19.5%
New Hampshire $600 -$230 -27.7%
New Jersey $928 $98 11.8%
New Mexico $734 -$96 -11.6%
New York $872 $42 5.1%
North Carolina $478 -$352 -42.4%
North Dakota $680 -$150 -18.1%
Ohio $572 -$258 -31.1%
Oklahoma $850 $20 2.4%
Oregon $760 -$70 -8.4%
Pennsylvania $790 -$40 -4.8%
Rhode Island $1,108 $278 33.5%
South Carolina $752 -$78 -9.4%
South Dakota $700 -$130 -15.7%
Tennessee $728 -$102 -12.3%
Texas $1,000 $170 20.5%
Utah $612 -$218 -26.3%
Vermont $566 -$264 -31.8%
Virginia $498 -$332 -40.0%
Washington $640 -$190 -22.9%
West Virginia $760 -$70 -8.4%
Wisconsin $572 -$258 -31.1%
Wyoming $738 -$92 -11.1%

View Chart as Image

Subaru Legacy insurance rates by U.S. city

Using high physical damage deductibles could cut rates by as much as $210 each year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $339 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Each insurance company uses a different method to calculate rates, so rate quotes will be varied.

Insurance Rates by Trim Level and Model Year

Subaru Legacy Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Subaru Legacy 2.5I $788 $66
Subaru Legacy 2.5I Premium $800 $67
Subaru Legacy 2.5I Premium $800 $67
Subaru Legacy 2.5I Limited $830 $69
Subaru Legacy 3.6R $830 $69
Subaru Legacy 3.6R Premium $830 $69
Subaru Legacy 2.5 GT Limited $854 $71
Subaru Legacy 2.5 GT Limited $854 $71
Subaru Legacy 2.5 GT Limited $854 $71
Subaru Legacy 2.5GT Premium $846 $71
Subaru Legacy 3.6R Limited $846 $71

Rates assume 1996 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.

Subaru Legacy Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2015 Subaru Legacy $270 $330 $390 $1,126
2011 Subaru Legacy $228 $244 $406 $1,014
2010 Subaru Legacy $212 $222 $402 $972
2009 Subaru Legacy $200 $202 $402 $940
2008 Subaru Legacy $194 $182 $398 $910
2007 Subaru Legacy $190 $178 $390 $894
2006 Subaru Legacy $188 $168 $384 $876
2005 Subaru Legacy $172 $160 $380 $848

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 the Best Cheap Subaru Legacy Insurance

Finding cheaper rates on Subaru Legacy insurance requires being a safe and courteous driver, having a positive credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Compare prices every time your policy renews by requesting rates from direct carriers, and also from local exclusive and independent agents.

Below is a quick review of the information covered in the above illustrations.

  • Drivers can save as much as $90 per year simply by quoting early and online
  • Teenage drivers are expensive to insure, costing up to $272 each month if full coverage is purchased
  • Increasing comprehensive and collision deductibles can save approximately $200 each year
  • High-risk drivers with a DUI or reckless driving violation may pay on average $930 more each year for auto insurance
  • Drivers who require higher levels of liability will pay an extra $410 each year to increase from a 30/60 limit 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.

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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

  1. https://www.iihs.org/ratings/vehicle/subaru/legacy-4-door-sedan/2020

Rates by Driver Age

Subaru Legacy Insurance Rates by Driver Age
Driver Age Premium
16 $3,262
20 $1,856
30 $846
40 $830
50 $760
60 $744

Full coverage, $500 deductibles

Rates by Deductible

Subaru Legacy Insurance Rates with Different Deductibles
Deductible Premium
$100 $966
$250 $906
$500 $830
$1,000 $756

Full coverage, driver age 40

Rates by Liability Limit

Subaru Legacy Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $830
50/100 $921
100/300 $1,015
250/500 $1,260
100 CSL $959
300 CSL $1,166
500 CSL $1,316

Full coverage, driver age 40

Rates for High Risk Drivers

Subaru Legacy Insurance Rates for High Risk Drivers
Age Premium
16 $4,584
20 $2,942
30 $1,772
40 $1,756
50 $1,676
60 $1,656

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 $105

Potential Rate Discounts

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

Discount Savings
Multi-policy $42
Multi-vehicle $42
Homeowner $14
5-yr Accident Free $47
5-yr Claim Free $51
Paid in Full/EFT $28
Advance Quote $34
Online Quote $56
Total Discounts $314
Rate after discounts $516

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

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