Subaru Legacy Insurance Rates
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UPDATED: Jun 1, 2023
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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:
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.
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.
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
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.
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% |
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
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.
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
Rate Tables and Charts
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
Deductible | Premium |
---|---|
$100 | $966 |
$250 | $906 |
$500 | $830 |
$1,000 | $756 |
Full coverage, driver age 40
Rates by Liability Limit
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
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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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