2018 Subaru Legacy Insurance Rates
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UPDATED: Nov 26, 2019
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Average insurance rates for a 2018 Subaru Legacy are $1,340 a year with full coverage. Comprehensive insurance costs an estimated $356 a year, collision costs $494, and liability costs $354. Buying a liability-only policy costs as little as $406 a year, with high-risk insurance costing $2,858 or more. Teenage drivers receive the highest rates at $4,780 a year or more.
Annual premium for full coverage: $1,340
Rate estimates for 2018 Subaru Legacy Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2018 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 $406 for just liability insurance to a high of $2,858 for a driver who has had serious violations or accidents.
These differences demonstrate why it is important for drivers to compare rates for a targeted area and risk profile, instead of using 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 2018 Subaru Legacy Insurance
Trying to find cheaper car insurance rates for your Subaru Legacy? No sane person looks forward to paying for car insurance, especially when they are aware that they could find lower prices if they just compared rates. Popular companies such as GEICO, Farmers Insurance and State Farm all claim big savings, bombarding you with TV and radio ads and it can be hard to ignore the flying pigs and cute green geckos and take the time to shop coverage around.
If you are insured now or are looking for a new policy, you can use these tips to find the best rates while maintaining coverages. Buying car insurance is not that difficult. Drivers only need an understanding of the most efficient way to compare prices over the internet.
Lower rate quotes by applying these nine discounts
Auto insurance is not an enjoyable expense, but you may find discounts that many consumers don’t even know exist. Certain discounts will be applied at the time of quoting, but less common discounts must be specially asked for prior to receiving the credit.
- Renewal Discounts – Some companies provide a discount for buying a new policy early. It could save around 10% when you buy insurance coverage online.
- Service Members Pay Less – Having an actively deployed family member could qualify you for better prices.
- Multi-policy Discount – If you insure your home and vehicles and insure them both with the same insurance company you could save at least 10% off all policies.
- Onboard Data Collection – Drivers who elect to allow their auto insurance company to monitor driving patterns by installing a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system could possibly reduce rates as long as the data is positive.
- Student Driver Training – It’s a good idea to have your young drivers participate in a local driver’s education class if it’s offered in school.
- Senior Discount – Seniors can possibly qualify for a small decrease in premiums for Legacy coverage.
- Discounts for Government Workers – Active or retired federal employment may reduce rates when you quote insurance coverage for Legacy coverage with a few auto insurance companies.
- Memberships – Being a member of a professional or civic organization could trigger savings when getting a insurance coverage quote.
- Anti-theft System – Cars, trucks, and SUVs with anti-theft systems have a lower chance of being stolen and will qualify for a discount on a insurance coverage quote.
Don’t be shocked that most credits do not apply to all coverage premiums. The majority will only reduce individual premiums such as physical damage coverage or medical payments. So even though it sounds like you could get a free auto insurance policy, companies don’t profit that way.
A list of auto insurance companies and their offered discounts can be found below.
- Progressive policyholders can earn discounts including online quote discount, online signing, multi-vehicle, multi-policy, good student, and continuous coverage.
- The Hartford includes discounts for vehicle fuel type, anti-theft, defensive driver, good student, air bag, and bundle.
- Mercury Insurance may include discounts for anti-theft, age of vehicle, ease of repair, good driver, and annual mileage.
- GEICO has savings for military active duty, seat belt use, five-year accident-free, good student, and membership and employees.
- AAA discounts include good driver, AAA membership discount, education and occupation, anti-theft, pay-in-full, multi-car, and good student.
- State Farm has discounts for defensive driving training, good student, multiple policy, Steer Clear safe driver discount, and multiple autos.
When quoting, ask every company to give you their best rates. Some discounts listed above might not be offered on policies in your area. To choose auto insurance companies that offer many of these discounts, click here.
Your insurance coverage coverage should be tailored to you
When it comes to choosing proper insurance coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s situation is unique so this has to be addressed. For example, these questions may help you determine if you might need professional guidance.
- What can I do if my company won’t pay a claim?
- Do I have newly-aquired coverage?
- Is my cargo covered for damage or theft?
- When would I need additional glass coverage?
- Am I covered if my car is in a flood?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- Am I covered if I hit my neighbor’s mailbox?
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If you can’t answer these questions but you know they apply to you then you might want to talk to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area. It is quick, free and may give you better protection.
Specific coverage details
Having a good grasp of your policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverage types available from auto insurance companies.
Uninsured or underinsured coverage – This coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.
Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.
Comprehensive protection – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims like damage from a tornado or hurricane, rock chips in glass, hitting a bird and a tree branch falling on your vehicle. The most your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Auto liability – Liability coverage protects you from damage or injury you incur to a person or their property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000. 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 protects against claims such as bail bonds, medical services and structural damage. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.
Collision – Collision coverage will pay to fix damage to your Legacy resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.
Collision coverage pays for claims such as rolling your car, scraping a guard rail and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.
Medical expense coverage – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for dental work, funeral costs, rehabilitation expenses, ambulance fees and hospital visits. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. They cover both the driver and occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state and may carry a deductible
Saving money is sweet as honey
When buying insurance coverage, you should never buy poor coverage just to save money. In many cases, someone sacrificed uninsured motorist or liability limits and learned later that the small savings ended up costing them much more. Your aim should be to purchase a proper amount of coverage at the best price, but don’t skip important coverages to save money.
You just learned many ways to compare 2018 Subaru Legacy insurance premium rates online. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding inexpensive insurance coverage. Consumers may even find the lowest priced insurance comes from a smaller regional carrier. Smaller companies may only write in your state and offer lower prices compared to the large companies like Allstate or State Farm.
Much more information about insurance is available at these links:
- Distracted Driving Statistics (Insurance Information Insitute)
- Neck Injury FAQ (iihs.org)
- What if I Can’t Find Coverage? (Insurance Information Insitute)
- Safety Tips for Teen Drivers (Insurance Information Insitute)
- Crash Avoidance Technologies FAQ (iihs.org)
Rates by U.S. City
|New York City, NY||$2,115|
|Los Angeles, CA||$2,292|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$96|
|5-yr Claim Free||$86|
|Paid in Full/EFT||$61|
Discounts are estimated and may not be available from every company or in every state.