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2015 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: Nov 23, 2017

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Average insurance rates for a 2015 Subaru Legacy are $1,256 a year including full coverage. Comprehensive insurance costs approximately $312, collision insurance costs $424, and liability coverage costs around $384. Buying a liability-only policy costs as low as $432 a year, and high-risk insurance costs $2,684 or more. Teen drivers receive the highest rates at up to $4,580 a year.

Annual premium for full coverage: $1,256

Rate estimates for 2015 Subaru Legacy Insurance

Comprehensive $312
Collision $424
Liability $384

Rate data is compiled from all 50 U.S. states and averaged for all 2015 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 the average driver, prices range range from as low as $432 for just liability coverage to the much higher price of $2,684 for a driver that may need high-risk insurance.

Liability Only $432
Full Coverage $1,256
High Risk $2,684

View Chart as Image

2015 Subaru Legacy insurance rates compared
Column chart showing 2015 Subaru Legacy insurance prices range from $734 to $4,580 for full coverage

These differences highlight why everyone should compare prices using their specific location and risk profile, rather than using 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 2015 Subaru Legacy Insurance

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Want lower insurance rates for your Subaru Legacy? Trying to find low-cost insurance for a new or used Subaru Legacy can be an all-consuming task, but you can learn our insurance buying tips and make it easy.

There are more efficient ways to buy insurance and you need to know the proper way to compare rates for your Subaru and locate the lowest possible price from both online companies and local agents.

It’s important to get comparison quotes periodically because insurance rates are adjusted regularly by insurance companies. Even if you got the lowest rates for Legacy insurance six months ago a different company probably has better rates today. Forget all the misinformation about insurance because we’re going to demonstrate the right way to find better coverage at a better price.

Compare Insurance Coverage Today

Effectively comparing insurance coverage prices can take hours if you don’t know the most efficient way. You could spend your day talking to insurance agencies in your area, or you can utilize online quoting to quickly compare rates.

Many popular insurance companies participate in a marketplace where insurance shoppers submit their information once, and at least one company provides a quote based on the submitted data. This prevents consumers from doing quotation requests to each company.

To compare 2015 Subaru Legacy rates now click here to start a free quote.

The only drawback to comparing rates this way is you are unable to specify the providers you want pricing from. So if you want to choose individual companies to receive pricing from, we put together a list of the cheapest insurance coverage companies in your area. View list of insurance companies.

However you get your quotes, double check that you are using the exact same coverage information for every quote you compare. If the quotes have different limits and deductibles on each one you can’t possibly make a fair comparison for your Subaru Legacy.

Save money by taking advantage of these discounts

The price of auto insurance can be rather high, buy you may qualify for discounts that can drop the cost substantially. Some discounts apply automatically when you get a quote, but some must be specifically requested before you get the savings. If you’re not getting every credit available, you’re paying more than you need to.

  • No Charge for an Accident – A handful of insurance companies will allow you to have one accident without raising rates if your claims history is clear for a particular time prior to the accident.
  • Pay Now and Pay Less – By paying your policy upfront rather than paying monthly you can actually save on your bill.
  • Claim Free – Drivers who don’t have accidents pay much less compared to bad drivers.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.
  • 55 and Retired – If you qualify as a senior citizen, you may receive reduced rates for Legacy insurance.
  • Auto/Life Discount – Larger companies have better rates if you take out a life insurance policy as well.
  • Homeowners Pay Less – Owning a home can save you money because owning a home demonstrates responsibility.

Drivers should understand that some of the credits will not apply to your bottom line cost. Most only reduce the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears you can get free auto insurance, it just doesn’t work that way. But all discounts will cut the amount you have to pay.

Companies that may offer these money-saving discounts include:

It’s a good idea to ask each company what discounts are available to you. Discounts may not be available in your state.

When should I use an insurance agent?

When it comes to buying the best auto insurance coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s situation is unique.

For example, these questions might point out if you would benefit from an agent’s advice.

  • What is UM/UIM insurance?
  • Does my car insurance cover rental cars?
  • Can I afford to buy a different vehicle if my 2015 Subaru Legacy is totaled?
  • When can my company non-renew my policy?
  • How do I file an SR-22 for a DUI in my state?
  • When should my teen driver be added to my policy?
  • When should I drop full coverage on my 2015 Subaru Legacy?
  • Should I have a commercial auto policy?
  • How much liability insurance is required?
  • Am I covered if I hit a deer?

If you can’t answer these questions but you know they apply to you, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and can provide invaluable advice.

Insurance policy specifics

Knowing the specifics of your insurance policy can help you determine appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Liability auto insurance – Liability coverage will cover damage or injury you incur to other’s property or people in an accident. This insurance protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Another option is one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims like legal defense fees, court costs, attorney fees, repair bills for other people’s vehicles and pain and suffering. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford.

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as fire damage, hitting a bird and falling objects. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your 2015 Subaru Legacy.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Usually these coverages are similar to your liability insurance amounts.

Collision coverages – This coverage will pay to fix damage to your Legacy resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as colliding with another moving vehicle, rolling your car, crashing into a building and damaging your car on a curb. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to increase the deductible to bring the cost down.

Medical costs insurance – Coverage for medical payments and/or PIP pay for immediate expenses for things like EMT expenses, pain medications and nursing services. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Best coverage at the best price

While you’re price shopping online, you should never reduce coverage to reduce premium. In many instances, drivers have reduced physical damage coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your strategy should be to buy the best coverage you can find for the lowest price.

Consumers who switch companies do it for any number of reasons including high prices, high rates after DUI convictions, extreme rates for teen drivers or even questionable increases in premium. It doesn’t matter why you want to switch choosing a new insurance company is not as hard as you think.

Lower-priced 2015 Subaru Legacy insurance is available from both online companies in addition to many insurance agents, and you need to comparison shop both so you have a total pricing picture. Some insurance companies do not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

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Rates by U.S. City

2015 Subaru Legacy Insurance Rates by City
City Premium
New York City, NY $1,983
Los Angeles, CA $2,148
Philadelphia, PA $1,674
Jacksonville, FL $1,821
Phoenix, AZ $1,459
Chicago, IL $1,685
Houston, TX $1,968
Seattle, WA $1,222
Columbus, OH $1,045
Indianapolis, IN $1,071

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2015 Subaru Legacy Insurance Rates by Driver Age
Driver Age Premium
16 $4,580
20 $2,830
30 $1,310
40 $1,256
50 $1,146
60 $1,122

Full coverage, $500 deductibles

Rates by Deductible

2015 Subaru Legacy Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,576
$250 $1,430
$500 $1,256
$1,000 $1,090

Full coverage, driver age 40

Rates by Liability Limit

Subaru Legacy Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,256
50/100 $1,333
100/300 $1,429
250/500 $1,678
100 CSL $1,371
300 CSL $1,582
500 CSL $1,736

Full coverage, driver age 40

Rates for High Risk Drivers

2015 Subaru Legacy Insurance Rates for High Risk Drivers
Age Premium
16 $6,534
20 $4,498
30 $2,742
40 $2,684
50 $2,552
60 $2,528

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 $168

Potential Rate Discounts

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

Discount Savings
Multi-policy $67
Multi-vehicle $64
Homeowner $19
5-yr Accident Free $88
5-yr Claim Free $80
Paid in Full/EFT $55
Advance Quote $59
Online Quote $90
Total Discounts $522
Rate after discounts $734

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

Find companies with the cheapest rates in your area

2015 Subaru Legacy Insurance Rates by State
State Premium
Alabama $1,134
Alaska $964
Arizona $1,042
Arkansas $1,256
California $1,432
Colorado $1,198
Connecticut $1,290
Delaware $1,420
Florida $1,570
Georgia $1,162
Hawaii $902
Idaho $852
Illinois $936
Indiana $948
Iowa $848
Kansas $1,194
Kentucky $1,714
Louisiana $1,860
Maine $776
Maryland $1,036
Massachusetts $1,002
Michigan $2,182
Minnesota $1,054
Mississippi $1,504
Missouri $1,114
Montana $1,348
Nebraska $988
Nevada $1,508
New Hampshire $906
New Jersey $1,404
New Mexico $1,112
New York $1,322
North Carolina $722
North Dakota $1,030
Ohio $864
Oklahoma $1,290
Oregon $1,150
Pennsylvania $1,196
Rhode Island $1,676
South Carolina $1,140
South Dakota $1,060
Tennessee $1,100
Texas $1,514
Utah $930
Vermont $858
Virginia $752
Washington $970
West Virginia $1,152
Wisconsin $868
Wyoming $1,118

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