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2013 Subaru Legacy Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

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: Jun 13, 2015

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Average insurance rates for a 2013 Subaru Legacy are $1,172 a year for full coverage insurance. Comprehensive costs around $288, collision costs $358, and liability insurance costs $390. Buying a liability-only policy costs as little as $438 a year, with high-risk insurance costing around $2,496. Teen drivers receive the highest rates at $4,322 a year or more.

Annual premium for full coverage: $1,172

Rate estimates for 2013 Subaru Legacy Insurance

Comprehensive $288
Collision $358
Liability $390

Rate data is compiled from all 50 U.S. states and averaged for all 2013 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 $438 for basic liability insurance to the much higher price of $2,496 for a driver who has had serious violations or accidents.

Liability Only $438
Full Coverage $1,172
High Risk $2,496

View Chart as Image

2013 Subaru Legacy insurance rates compared
Column chart showing 2013 Subaru Legacy insurance prices range from $694 to $4,322 for full coverage

These differences illustrate why everyone should compare rates for a specific zip code 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 2013 Subaru Legacy Insurance

Searching Companies

I can’t think of anyone who enjoys paying for insurance, especially when the cost is too high. Lots of car insurance companies contend for your insurance dollar, and it can be difficult to compare rates and get the best coverage at the cheapest price

Lots of discounts mean lots of savings

Insurance can cost an arm and a leg, but companies offer discounts that many people don’t even know exist. Some discounts apply automatically when you quote, but lesser-known reductions have to be specifically requested before you get the savings. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.

  • Military Discounts – Having a family member in the military could mean lower rates.
  • Auto/Life Discount – Select insurance companies reward you with a discount if you purchase auto and life insurance together.
  • Save with a New Car – Insuring a new car is cheaper since new cars are generally safer.
  • Federal Employees – Being employed by or retired from a federal job may qualify you for a discount on Legacy coverage with certain companies.
  • Braking Control Discount – Anti-lock brake equipped vehicles prevent accidents and earn discounts up to 10%.
  • Safe Driver Discount – Drivers who don’t get into accidents may receive a discount up to 45% less on Legacy coverage than drivers with accidents.
  • One Accident Forgiven – A handful of insurance companies will allow you to have one accident before your rates go up if your claims history is clear for a set time period.
  • E-sign – A few companies will give a small break just for signing your application on their website.
  • Low Mileage Discounts – Driving fewer miles could qualify for better rates on cars that stay parked.

As a disclaimer on discounts, most discounts do not apply the whole policy. Most only apply to individual premiums such as liability and collision coverage. So when the math indicates all the discounts add up to a free policy, companies don’t profit that way. But all discounts will help reduce the amount you have to pay.

Insurance companies that may offer these money-saving discounts include:

It’s a good idea to ask each insurance company which discounts they offer. Savings may not apply in your state.

Auto Insurance Quote Comparison

Finding a better price on auto insurance can be relatively painless. All that’s required is to spend a little time to get quotes provided by online insurance companies. This can be accomplished in just a few minutes using one of these methods.

  1. The best way to compare a lot of rates at once is an all-inclusive rate comparison (click to open form in new window). This method saves time by eliminating separate quote forms for each company. One simple form gets you coverage quotes from multiple companies.
  2. Another way to find lower rates is to manually visit the website for each individual company to complete a price quote. For examples sake, let’s say you want rates from Auto-Owners, Liberty Mutual and Allstate. To get each rate you have to visit each site and enter your information, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.

It’s your choice how you get your quotes, but be sure to compare the exact same coverages and limits for each price quote. If you use different deductibles it’s not possible to truly determine the lowest rate.

Situations that might require an agent

When it comes to choosing adequate coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone’s situation is unique so this has to be addressed. For example, these questions can aid in determining whether you will benefit from professional help.

  • Is my teenager covered with friends in the car?
  • If my 2013 Subaru Legacy is totaled, can I afford another vehicle?
  • How can I find cheaper teen driver insurance?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Does my insurance cover my expensive audio equipment?
  • What discounts do I qualify for?
  • Does my policy cover me when driving someone else’s vehicle?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.

Auto insurance specifics

Knowing the specifics of your policy can help you determine the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. These are typical coverages found on most auto insurance policies.

Liability auto insurance

Liability insurance protects you from damage or injury you incur to people or other property by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Another option is one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like emergency aid, structural damage, loss of income, medical services and attorney fees. How much coverage you buy is your choice, but buy as high a limit as you can afford.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Subaru Legacy.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually these limits are similar to your liability insurance amounts.

Auto collision coverage

Collision insurance 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 then your collision coverage will kick in.

Collision coverage pays for claims such as crashing into a ditch, hitting a mailbox, damaging your car on a curb, rolling your car and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as pain medications, doctor visits, ambulance fees and prosthetic devices. The coverages can be utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Comprehensive protection

This covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as fire damage, rock chips in glass, hitting a deer, theft and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Save your hard earned cash

The cheapest 2013 Subaru Legacy insurance can be found on the web as well as from independent agents, so you should be comparing quotes from both to get a complete price analysis. Some auto insurance companies don’t offer you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

You just read quite a bit of information on how to save on insurance. The key thing to remember is the more times you quote, the better chance you’ll have of finding lower rates. Consumers could even find that the most savings is with a company that doesn’t do a lot of advertising. Regional companies may only write in your state and offer lower rates as compared to the big name companies such as State Farm and Allstate.

As you go through the steps to switch your coverage, it’s very important that you do not buy poor coverage just to save money. In too many instances, someone sacrificed full coverage only to regret they didn’t purchase enough coverage. The ultimate goal is to buy enough coverage at a price you can afford.

Much more information about auto insurance can be found at the links below

Rates by U.S. City

2013 Subaru Legacy Insurance Rates by City
City Premium
New York City, NY $1,854
Los Angeles, CA $2,004
Philadelphia, PA $1,562
Jacksonville, FL $1,698
Phoenix, AZ $1,361
Chicago, IL $1,573
Houston, TX $1,836
Seattle, WA $1,139
Columbus, OH $978
Indianapolis, IN $999

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2013 Subaru Legacy Insurance Rates by Driver Age
Driver Age Premium
16 $4,322
20 $2,630
30 $1,218
40 $1,172
50 $1,070
60 $1,048

Full coverage, $500 deductibles

Rates by Deductible

2013 Subaru Legacy Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,450
$250 $1,324
$500 $1,172
$1,000 $1,024

Full coverage, driver age 40

Rates by Liability Limit

Subaru Legacy Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,172
50/100 $1,250
100/300 $1,348
250/500 $1,601
100 CSL $1,289
300 CSL $1,504
500 CSL $1,660

Full coverage, driver age 40

Rates for High Risk Drivers

2013 Subaru Legacy Insurance Rates for High Risk Drivers
Age Premium
16 $6,148
20 $4,180
30 $2,548
40 $2,496
50 $2,378
60 $2,352

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 $154

Potential Rate Discounts

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

Discount Savings
Multi-policy $62
Multi-vehicle $59
Homeowner $18
5-yr Accident Free $79
5-yr Claim Free $74
Paid in Full/EFT $49
Advance Quote $54
Online Quote $83
Total Discounts $478
Rate after discounts $694

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

Find companies with the cheapest rates in your area

2013 Subaru Legacy Insurance Rates by State
State Premium
Alabama $1,060
Alaska $898
Arizona $972
Arkansas $1,172
California $1,336
Colorado $1,118
Connecticut $1,204
Delaware $1,326
Florida $1,464
Georgia $1,086
Hawaii $842
Idaho $794
Illinois $874
Indiana $884
Iowa $790
Kansas $1,114
Kentucky $1,600
Louisiana $1,734
Maine $726
Maryland $968
Massachusetts $934
Michigan $2,034
Minnesota $984
Mississippi $1,404
Missouri $1,042
Montana $1,260
Nebraska $922
Nevada $1,406
New Hampshire $846
New Jersey $1,310
New Mexico $1,038
New York $1,236
North Carolina $676
North Dakota $962
Ohio $808
Oklahoma $1,204
Oregon $1,074
Pennsylvania $1,116
Rhode Island $1,564
South Carolina $1,062
South Dakota $988
Tennessee $1,026
Texas $1,412
Utah $870
Vermont $802
Virginia $700
Washington $904
West Virginia $1,074
Wisconsin $810
Wyoming $1,044

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