Subaru Legacy Insurance Rates
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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.
The average auto insurance rates for a Subaru Legacy are $1,340 annually for full coverage insurance. Comprehensive insurance costs on average $356 each year, collision costs $494, and liability is estimated at $354. Liability-only insurance costs approximately $406 a year, with high-risk driver insurance costing $2,858 or more. Teens cost the most to insure at $4,780 a year or more.
Average premium for full coverage: $1,340
Policy rates by type of insurance:
Estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and Legacy models.
Price Range Variability
Using a 40-year-old driver as an example, Subaru Legacy insurance rates go from as cheap as $406 for minimum levels of liability insurance to a high rate of $2,858 for high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on insurance rates. Rural areas are shown to have fewer physical damage claims than cities with more traffic congestion.
The graphic below illustrates how rural and urban location affects car insurance rates.
The examples above illustrate why all drivers should get quotes based on a specific location and their own personal driving habits, instead of making a decision based on 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.
Additional Rate Details
The chart below illustrates estimated Subaru Legacy insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $780
- Choosing higher $1,000 deductibles can save around $192 each year
- The estimated rate for a good driver age 40 with $500 deductibles is $1,340
- Selecting low deductibles for comp and collision coverage costs an additional $370 annually
- Higher-risk drivers with serious driving violations could pay upwards of $2,858 or more
- Policy cost with full coverage for a 16-year-old driver may cost $4,780 each year
Auto insurance rates for a Subaru Legacy also range considerably based on the model year and trim level, your risk profile, and policy deductibles and limits.
More mature drivers with a good driving record and high physical damage deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay upwards of $4,700 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are probably paying at a minimum $1,500 to $2,100 in extra premium every year, depending on your age. Insurance for high-risk drivers ranges from 44% to 126% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can save as much as $570 annually, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $318 extra every year. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for Subaru Legacy insurance prices. A good driver about age 40 could pay as low as $880 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,810 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,210 | -$130 | -9.7% |
| Alaska | $1,030 | -$310 | -23.1% |
| Arizona | $1,112 | -$228 | -17.0% |
| Arkansas | $1,340 | -$0 | 0.0% |
| California | $1,528 | $188 | 14.0% |
| Colorado | $1,278 | -$62 | -4.6% |
| Connecticut | $1,376 | $36 | 2.7% |
| Delaware | $1,516 | $176 | 13.1% |
| Florida | $1,674 | $334 | 24.9% |
| Georgia | $1,238 | -$102 | -7.6% |
| Hawaii | $964 | -$376 | -28.1% |
| Idaho | $910 | -$430 | -32.1% |
| Illinois | $998 | -$342 | -25.5% |
| Indiana | $1,010 | -$330 | -24.6% |
| Iowa | $902 | -$438 | -32.7% |
| Kansas | $1,272 | -$68 | -5.1% |
| Kentucky | $1,826 | $486 | 36.3% |
| Louisiana | $1,984 | $644 | 48.1% |
| Maine | $828 | -$512 | -38.2% |
| Maryland | $1,106 | -$234 | -17.5% |
| Massachusetts | $1,070 | -$270 | -20.1% |
| Michigan | $2,326 | $986 | 73.6% |
| Minnesota | $1,122 | -$218 | -16.3% |
| Mississippi | $1,606 | $266 | 19.9% |
| Missouri | $1,190 | -$150 | -11.2% |
| Montana | $1,440 | $100 | 7.5% |
| Nebraska | $1,056 | -$284 | -21.2% |
| Nevada | $1,608 | $268 | 20.0% |
| New Hampshire | $966 | -$374 | -27.9% |
| New Jersey | $1,498 | $158 | 11.8% |
| New Mexico | $1,186 | -$154 | -11.5% |
| New York | $1,410 | $70 | 5.2% |
| North Carolina | $772 | -$568 | -42.4% |
| North Dakota | $1,098 | -$242 | -18.1% |
| Ohio | $924 | -$416 | -31.0% |
| Oklahoma | $1,374 | $34 | 2.5% |
| Oregon | $1,228 | -$112 | -8.4% |
| Pennsylvania | $1,278 | -$62 | -4.6% |
| Rhode Island | $1,788 | $448 | 33.4% |
| South Carolina | $1,216 | -$124 | -9.3% |
| South Dakota | $1,132 | -$208 | -15.5% |
| Tennessee | $1,172 | -$168 | -12.5% |
| Texas | $1,616 | $276 | 20.6% |
| Utah | $992 | -$348 | -26.0% |
| Vermont | $916 | -$424 | -31.6% |
| Virginia | $802 | -$538 | -40.1% |
| Washington | $1,036 | -$304 | -22.7% |
| West Virginia | $1,230 | -$110 | -8.2% |
| Wisconsin | $924 | -$416 | -31.0% |
| Wyoming | $1,192 | -$148 | -11.0% |
Because rates have so much variability, the only way to figure out exactly what you will pay is to do a rate comparison from multiple companies. Each auto insurer calculates rates differently, and quoted rates will be varied between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Subaru Legacy 2.5I | $1,218 | $102 |
| Subaru Legacy 2.5I Premium | $1,258 | $105 |
| Subaru Legacy 2.5I Premium | $1,258 | $105 |
| Subaru Legacy 2.5I Limited | $1,340 | $112 |
| Subaru Legacy 3.6R | $1,340 | $112 |
| Subaru Legacy 3.6R Premium | $1,340 | $112 |
| Subaru Legacy 2.5 GT Limited | $1,410 | $118 |
| Subaru Legacy 2.5 GT Limited | $1,410 | $118 |
| Subaru Legacy 2.5 GT Limited | $1,410 | $118 |
| Subaru Legacy 2.5GT Premium | $1,382 | $115 |
| Subaru Legacy 3.6R Limited | $1,382 | $115 |
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 | $370 | $506 | $338 | $1,350 |
| 2023 Subaru Legacy | $356 | $494 | $354 | $1,340 |
| 2022 Subaru Legacy | $344 | $474 | $364 | $1,318 |
| 2021 Subaru Legacy | $326 | $458 | $376 | $1,296 |
| 2020 Subaru Legacy | $312 | $424 | $384 | $1,256 |
| 2019 Subaru Legacy | $300 | $400 | $388 | $1,224 |
| 2018 Subaru Legacy | $288 | $358 | $390 | $1,172 |
| 2017 Subaru Legacy | $270 | $330 | $390 | $1,126 |
| 2016 Subaru Legacy | $260 | $310 | $394 | $1,100 |
| 2015 Subaru Legacy | $254 | $288 | $402 | $1,080 |
| 2013 Subaru Legacy | $228 | $244 | $406 | $1,014 |
| 2012 Subaru Legacy | $212 | $222 | $402 | $972 |
| 2011 Subaru Legacy | $200 | $202 | $402 | $940 |
| 2010 Subaru Legacy | $194 | $182 | $398 | $910 |
| 2009 Subaru Legacy | $190 | $178 | $390 | $894 |
| 2008 Subaru Legacy | $188 | $168 | $384 | $876 |
| 2007 Subaru Legacy | $172 | $160 | $380 | $848 |
| 2006 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 Buy Low Cost Subaru Legacy Insurance
Finding cheaper rates on insurance for a Subaru Legacy takes avoiding accidents and violations, having above-average credit, being claim-free, and taking advantage of discounts. Set aside time to shop around every couple of years by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The list below is a review of the material that was raised in the charts and tables above.
- Insureds who require higher liability limits will pay approximately $390 annually to raise limits from a 30/60 limit to higher 250/500 limits
- Teenagers are charged the highest rates, possibly costing $398 each month if full coverage is included
- Drivers considered higher risk who have several accidents or serious violations may pay on average $1,520 more each year for car insurance
- Increasing comprehensive and collision deductibles could save up to $550 each year
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 | $4,780 |
| 20 | $3,014 |
| 30 | $1,406 |
| 40 | $1,340 |
| 50 | $1,220 |
| 60 | $1,194 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,710 |
| $250 | $1,542 |
| $500 | $1,340 |
| $1,000 | $1,148 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,340 |
| 50/100 | $1,453 |
| 100/300 | $1,541 |
| 250/500 | $1,771 |
| 100 CSL | $1,488 |
| 300 CSL | $1,683 |
| 500 CSL | $1,825 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,836 |
| 20 | $4,784 |
| 30 | $2,930 |
| 40 | $2,858 |
| 50 | $2,716 |
| 60 | $2,688 |
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 | $72 |
| Multi-vehicle | $66 |
| Homeowner | $19 |
| 5-yr Accident Free | $96 |
| 5-yr Claim Free | $86 |
| Paid in Full/EFT | $61 |
| Advance Quote | $64 |
| Online Quote | $96 |
| Total Discounts | $560 |
Discounts are estimated and may not be available from every company or in every state.
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