Subaru Legacy Insurance Rates
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Michelle Robbins
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UPDATED: Apr 22, 2024
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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.
Average insurance rates for a Subaru Legacy are $1,350 a year for full coverage. Comprehensive insurance costs around $370 a year, collision insurance costs $506, and liability is $338. A liability-only policy costs around $394 a year, and high-risk insurance costs $2,872 or more. Teens receive the highest rates at up to $4,778 a year.
Average premium for full coverage: $1,350
Rate estimates for individual coverage type:
Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all states and Legacy trim levels.
Price Range by Coverage and Risk
For a driver around age 40, prices range range from as low as $394 for a discount liability-only rate to a high of $2,872 for a driver who has had serious violations or accidents.
Price Range by Location
Choosing to live in a large city can have significant affects on auto insurance rates. Areas with sparse population tend to have a lower frequency of accident claims than cities with more traffic congestion. The diagram below illustrates the difference between rural and urban areas on auto insurance rates.
These examples show why it is important to compare rates quotes for a specific zip code and risk profile, instead of using averaged prices.
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.
Rates by State, City, and Model
The chart below shows average Subaru Legacy insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $785
- Raising to $1,000 deductibles will save about $1,150 a year
- The average rate for a 40-year-old driver using $500 deductibles is $1,350
- Selecting low $100 deductibles will cost an extra $380 every year
- At-risk drivers with serious driving violations could pay at least $2,872
- The cost for full coverage for a teen driver can be $4,778
Insurance rates for a Subaru Legacy can also vary considerably based on your driver profile, the trim level of your Legacy, and deductibles and policy limits.
Older drivers with a clean driving record and high deductibles may pay as little as $1,300 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay as much as $4,700 a year. View Rates by Age
Where you live also has a big influence on Subaru Legacy insurance prices. A middle-age driver might find rates as low as $890 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,930 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,220 | -$130 | -9.6% |
| Alaska | $1,036 | -$314 | -23.3% |
| Arizona | $1,120 | -$230 | -17.0% |
| Arkansas | $1,350 | -$0 | 0.0% |
| California | $1,538 | $188 | 13.9% |
| Colorado | $1,288 | -$62 | -4.6% |
| Connecticut | $1,386 | $36 | 2.7% |
| Delaware | $1,528 | $178 | 13.2% |
| Florida | $1,688 | $338 | 25.0% |
| Georgia | $1,248 | -$102 | -7.6% |
| Hawaii | $972 | -$378 | -28.0% |
| Idaho | $916 | -$434 | -32.1% |
| Illinois | $1,006 | -$344 | -25.5% |
| Indiana | $1,018 | -$332 | -24.6% |
| Iowa | $910 | -$440 | -32.6% |
| Kansas | $1,282 | -$68 | -5.0% |
| Kentucky | $1,842 | $492 | 36.4% |
| Louisiana | $1,998 | $648 | 48.0% |
| Maine | $834 | -$516 | -38.2% |
| Maryland | $1,114 | -$236 | -17.5% |
| Massachusetts | $1,078 | -$272 | -20.1% |
| Michigan | $2,344 | $994 | 73.6% |
| Minnesota | $1,132 | -$218 | -16.1% |
| Mississippi | $1,618 | $268 | 19.9% |
| Missouri | $1,198 | -$152 | -11.3% |
| Montana | $1,448 | $98 | 7.3% |
| Nebraska | $1,062 | -$288 | -21.3% |
| Nevada | $1,618 | $268 | 19.9% |
| New Hampshire | $974 | -$376 | -27.9% |
| New Jersey | $1,508 | $158 | 11.7% |
| New Mexico | $1,196 | -$154 | -11.4% |
| New York | $1,420 | $70 | 5.2% |
| North Carolina | $778 | -$572 | -42.4% |
| North Dakota | $1,106 | -$244 | -18.1% |
| Ohio | $930 | -$420 | -31.1% |
| Oklahoma | $1,384 | $34 | 2.5% |
| Oregon | $1,236 | -$114 | -8.4% |
| Pennsylvania | $1,288 | -$62 | -4.6% |
| Rhode Island | $1,800 | $450 | 33.3% |
| South Carolina | $1,224 | -$126 | -9.3% |
| South Dakota | $1,140 | -$210 | -15.6% |
| Tennessee | $1,182 | -$168 | -12.4% |
| Texas | $1,626 | $276 | 20.4% |
| Utah | $1,000 | -$350 | -25.9% |
| Vermont | $922 | -$428 | -31.7% |
| Virginia | $810 | -$540 | -40.0% |
| Washington | $1,044 | -$306 | -22.7% |
| West Virginia | $1,236 | -$114 | -8.4% |
| Wisconsin | $932 | -$418 | -31.0% |
| Wyoming | $1,202 | -$148 | -11.0% |
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $580 every year, while buying higher liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will cost as much as $304 more per year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying at least $1,500 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 44% to 125% more than the average policy. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Subaru Legacy 2.5I | $1,224 | $102 |
| Subaru Legacy 2.5I Premium | $1,266 | $106 |
| Subaru Legacy 2.5I Premium | $1,266 | $106 |
| Subaru Legacy 2.5I Limited | $1,350 | $113 |
| Subaru Legacy 3.6R | $1,350 | $113 |
| Subaru Legacy 3.6R Premium | $1,350 | $113 |
| Subaru Legacy 2.5 GT Limited | $1,422 | $119 |
| Subaru Legacy 2.5 GT Limited | $1,422 | $119 |
| Subaru Legacy 2.5 GT Limited | $1,422 | $119 |
| Subaru Legacy 2.5GT Premium | $1,392 | $116 |
| Subaru Legacy 3.6R Limited | $1,392 | $116 |
Rates assume 2023 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 |
|---|---|---|---|---|
| 2024 Subaru Legacy | $384 | $512 | $332 | $1,364 |
| 2023 Subaru Legacy | $370 | $506 | $338 | $1,350 |
| 2022 Subaru Legacy | $356 | $494 | $354 | $1,340 |
| 2021 Subaru Legacy | $344 | $474 | $364 | $1,318 |
| 2020 Subaru Legacy | $326 | $458 | $376 | $1,296 |
| 2019 Subaru Legacy | $312 | $424 | $384 | $1,256 |
| 2018 Subaru Legacy | $300 | $400 | $388 | $1,224 |
| 2017 Subaru Legacy | $288 | $358 | $390 | $1,172 |
| 2016 Subaru Legacy | $270 | $330 | $390 | $1,126 |
| 2015 Subaru Legacy | $260 | $310 | $394 | $1,100 |
| 2013 Subaru Legacy | $234 | $268 | $402 | $1,040 |
| 2012 Subaru Legacy | $228 | $244 | $406 | $1,014 |
| 2011 Subaru Legacy | $212 | $222 | $402 | $972 |
| 2010 Subaru Legacy | $200 | $202 | $402 | $940 |
| 2009 Subaru Legacy | $194 | $182 | $398 | $910 |
| 2008 Subaru Legacy | $190 | $178 | $390 | $894 |
| 2007 Subaru Legacy | $188 | $168 | $384 | $876 |
| 2006 Subaru Legacy | $172 | $160 | $380 | $848 |
| 2005 Subaru Legacy | $166 | $152 | $376 | $830 |
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 Low Cost Subaru Legacy Insurance
Saving money on car insurance consists of being safe and accident-free, maintaining good credit, eliminating unneeded coverage, and dropping full coverage on older vehicles. Set aside time to compare rates every other policy renewal by getting rate quotes from direct carriers like GEICO and Progressive, and also from local insurance agents.
Below you'll find a review of the ideas that were covered above.
- Youthful drivers pay higher rates, costing as high as $398 per month for full coverage
- Higher risk drivers who have several accidents or serious violations may be required to pay an average of $1,520 more every year than a low-risk driver
- Increasing deductibles can save around $575 each year
- Drivers can save up to $160 per year just by quoting early and online
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 | $4,778 |
| 20 | $3,032 |
| 30 | $1,418 |
| 40 | $1,350 |
| 50 | $1,228 |
| 60 | $1,204 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,730 |
| $250 | $1,556 |
| $500 | $1,350 |
| $1,000 | $1,150 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,350 |
| 50/100 | $1,460 |
| 100/300 | $1,544 |
| 250/500 | $1,764 |
| 100 CSL | $1,493 |
| 300 CSL | $1,679 |
| 500 CSL | $1,815 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,830 |
| 20 | $4,806 |
| 30 | $2,946 |
| 40 | $2,872 |
| 50 | $2,730 |
| 60 | $2,704 |
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 | $73 |
| Multi-vehicle | $66 |
| Homeowner | $19 |
| 5-yr Accident Free | $97 |
| 5-yr Claim Free | $86 |
| Paid in Full/EFT | $62 |
| Advance Quote | $65 |
| Online Quote | $97 |
| Total Discounts | $565 |
Discounts are estimated and may not be available from every company or in every state.
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