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2017 Subaru Legacy Insurance Rates

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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: Dec 13, 2019

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Average insurance rates for a 2017 Subaru Legacy are $1,318 a year for full coverage. Comprehensive costs approximately $344 a year, collision costs $474, and liability costs around $364. Buying a liability-only policy costs as low as $416 a year, with high-risk insurance costing around $2,812. Teenage drivers receive the highest rates at $4,734 a year or more.

Annual premium for full coverage: $1,318

Rate estimates for 2017 Subaru Legacy Insurance

Comprehensive $344
Collision $474
Liability $364

Rate data is compiled from all 50 U.S. states and averaged for all 2017 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 $416 for a discount liability-only rate to a high of $2,812 for a driver who has had serious violations or accidents.

Liability Only $416
Full Coverage $1,318
High Risk $2,812

View Chart as Image

2017 Subaru Legacy insurance rates compared
Column chart showing 2017 Subaru Legacy insurance prices range from $767 to $4,734 for full coverage

These differences show why it is important for drivers to compare prices using their specific location and risk profile, instead of making a decision based on average rates.

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 2017 Subaru Legacy Insurance

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Subaru Legacy insurance

Want the cheapest auto insurance rates for your Subaru Legacy? Sick and tired of sacrificing other expenses to pay your auto insurance bill each month? You are in the same boat as many other people.

Many auto insurance companies vie for your hard-earned dollar, and because of this it can be hard to compare auto insurance companies to find the absolute lowest cost out there.

Six discounts for lower-cost insurance coverage rates

Car insurance companies do not list every available discount very clearly, so below is a list a few of the more common and the harder-to-find discounts that you can inquire about if you buy insurance online.

  • Distant College Student Discount – College-age children living away from home attending college and do not take a car to college could get you a discount.
  • Accident Forgiveness Coverage – Not necessarily a discount, but companies like State Farm and GEICO allow you one accident before your rates go up if you are claim-free prior to the accident.
  • Service Members Pay Less – Being on active deployment in the military could trigger a small discount.
  • Braking Control Discount – Cars that have anti-lock braking systems prevent accidents so companies give up to a 10% discount.
  • Low Miles Discount – Driving less can qualify you for slightly better prices than normal.
  • Telematics Data – People who choose to allow their insurance coverage company to monitor where and when they drive by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm could see a rate decrease if they exhibit good driving behavior.

One thing to note about discounts is that most discounts do not apply the whole policy. Most only reduce specific coverage prices like collision or personal injury protection. Despite the appearance that you could get a free insurance coverage policy, companies wouldn’t make money that way.

A few of the larger companies and their possible discounts are detailed below.

  • State Farm policyholders can earn discounts including passive restraint, Drive Safe & Save, accident-free, student away at school, and driver’s education.
  • Farmers Insurance may have discounts that include electronic funds transfer, youthful driver, switch companies, good student, teen driver, and early shopping.
  • Progressive includes discounts for online signing, online quote discount, multi-vehicle, homeowner, good student, continuous coverage, and multi-policy.
  • GEICO discounts include anti-theft, multi-vehicle, military active duty, anti-lock brakes, emergency military deployment, air bags, and five-year accident-free.
  • Auto-Owners Insurance may include discounts for group or association, anti-theft, multi-policy, good student, and paid in full.
  • The Hartford has savings for air bag, vehicle fuel type, defensive driver, bundle, good student, and driver training.
  • Farm Bureau offers discounts including renewal discount, safe driver, good student, youthful driver, multi-policy, and multi-vehicle.
  • USAA offers discounts for good student, loyalty savings, defensive driver, multi-vehicle, vehicle storage, and safe driver.

When comparing rates, check with every insurance company which credits you are entitled to. Some of the discounts discussed earlier might not be available to policyholders in your area. If you would like to view insurance coverage companies with discount rates, click here to view.

You may need specialized insurance coverage

When it comes to buying proper insurance coverage, there isn’t really a “perfect” insurance plan. Every insured’s situation is different so your insurance needs to address that. For instance, these questions can help discover whether or not you will benefit from professional help.

  • Do I need higher collision deductibles?
  • Am I covered when driving in Canada or Mexico?
  • What is the rate difference between pleasure use and commuting?
  • Exactly who is provided coverage by my policy?
  • Do I need roadside assistance coverage?
  • When would I need rental car insurance?
  • Is extra glass coverage worth it?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Free Auto Insurance Comparison

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

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Will you really save $465 on insurance coverage?

State Farm, Allstate and GEICO seem to constantly run ads in print and on television. All the ads seem to make the promise that you can save after switching to them. How is it possible that every company can give you a better price? This is the way they can do it.

Insurance companies have specific criteria for the type of insured that earns them the most money. For instance, a profitable insured could possibly be a married male, has had continuous coverage, and drives a car with an anti-theft system. A propective insured who meets those qualifications will qualify for the lowest rates and most likely will pay quite a bit less when switching companies.

Potential insureds who don’t measure up to these stringent criteria will get a higher premium which usually ends up with the driver buying from a lower-cost company. The ad wording is “drivers that switch” but not “all drivers who get quotes” save that kind of money. That’s the way insurance companies can confidently make it sound like they have such great car insurance rates.

This emphasizes why it is so important to quote coverage with many companies. It is just not possible to predict which insurance companies will have the lowest rate quotes.

Insurance policy coverages for a Subaru Legacy

Knowing the specifics of your insurance policy aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. Listed below are typical coverages found on most insurance policies.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for expenses like EMT expenses, funeral costs and hospital visits. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available and may carry a deductible


This coverage provides protection from damage that occurs to other people or property that is your fault. It protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged property. Some companies may use one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for claims such as pain and suffering, emergency aid and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.

Comprehensive (Other than Collision)

This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like hitting a deer, damage from flooding and damage from a tornado or hurricane. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Protection from uninsured/underinsured drivers

This provides protection when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Subaru Legacy.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Collision insurance

Collision insurance pays for damage to your Legacy resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things such as sideswiping another vehicle, backing into a parked car, colliding with another moving vehicle, crashing into a building and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also raise the deductible in order to get cheaper collision rates.

Take this to the bank

In this article, we covered some good ideas how you can reduce 2017 Subaru Legacy insurance premium rates online. It’s most important to understand that the more providers you compare, the better chance you’ll have of finding cheaper insurance. Consumers could even find that the best premium rates are with the smaller companies. Regional companies may only write in your state and offer lower prices than the large multi-state companies such as Allstate and Progressive.

Lower-priced insurance can be purchased online and from local agencies, so get free insurance quotes from both of them to have the best rate selection. A few companies may not have rate quotes online and many times these smaller companies only sell coverage through local independent agents.

Use our FREE quote tool to compare rates now!

Even more information is available by following these links:

Rates by U.S. City

2017 Subaru Legacy Insurance Rates by City
City Premium
New York City, NY $2,079
Los Angeles, CA $2,253
Philadelphia, PA $1,758
Jacksonville, FL $1,909
Phoenix, AZ $1,532
Chicago, IL $1,768
Houston, TX $2,064
Seattle, WA $1,283
Columbus, OH $1,101
Indianapolis, IN $1,125

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2017 Subaru Legacy Insurance Rates by Driver Age
Driver Age Premium
16 $4,734
20 $2,966
30 $1,380
40 $1,318
50 $1,202
60 $1,178

Full coverage, $500 deductibles

Rates by Deductible

2017 Subaru Legacy Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,674
$250 $1,512
$500 $1,318
$1,000 $1,132

Full coverage, driver age 40

Rates by Liability Limit

Subaru Legacy Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,318
50/100 $1,391
100/300 $1,482
250/500 $1,718
100 CSL $1,427
300 CSL $1,627
500 CSL $1,773

Full coverage, driver age 40

Rates for High Risk Drivers

2017 Subaru Legacy Insurance Rates for High Risk Drivers
Age Premium
16 $6,764
20 $4,710
30 $2,878
40 $2,812
50 $2,674
60 $2,648

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 $175

Potential Rate Discounts

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

Discount Savings
Multi-policy $71
Multi-vehicle $66
Homeowner $19
5-yr Accident Free $94
5-yr Claim Free $84
Paid in Full/EFT $59
Advance Quote $63
Online Quote $95
Total Discounts $551
Rate after discounts $767

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

Find companies with the cheapest rates in your area

2017 Subaru Legacy Insurance Rates by State
State Premium
Alabama $1,192
Alaska $1,012
Arizona $1,094
Arkansas $1,318
California $1,502
Colorado $1,256
Connecticut $1,352
Delaware $1,490
Florida $1,646
Georgia $1,220
Hawaii $948
Idaho $896
Illinois $982
Indiana $996
Iowa $888
Kansas $1,250
Kentucky $1,798
Louisiana $1,952
Maine $814
Maryland $1,090
Massachusetts $1,052
Michigan $2,290
Minnesota $1,104
Mississippi $1,580
Missouri $1,170
Montana $1,416
Nebraska $1,040
Nevada $1,580
New Hampshire $950
New Jersey $1,474
New Mexico $1,166
New York $1,386
North Carolina $758
North Dakota $1,080
Ohio $910
Oklahoma $1,352
Oregon $1,208
Pennsylvania $1,256
Rhode Island $1,758
South Carolina $1,196
South Dakota $1,112
Tennessee $1,154
Texas $1,588
Utah $974
Vermont $902
Virginia $788
Washington $1,018
West Virginia $1,208
Wisconsin $910
Wyoming $1,172

Free Auto Insurance Comparison

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