Subaru Legacy Insurance Rates
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UPDATED: Jun 1, 2023
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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.
Estimated insurance rates for a Subaru Legacy are $830 a year including full coverage. Comprehensive costs around $166, collision insurance costs $152, and liability costs $376. A policy with only liability insurance costs as little as $426 a year, and a high-risk policy costs around $1,756. Teens pay the most at up to $3,262 a year.
Average premium for full coverage: $830
Premium estimates for type of coverage:
Prices are based on $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and for different Legacy trim levels.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Subaru Legacy range from as low as $426 for minimum levels of liability insurance to a much higher rate of $1,756 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Your location can make a big difference on the price of insurance. Areas with sparse population are statistically proven to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates how geographic area affects auto insurance rates.
These rate differences highlight why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, 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 breaks down average Subaru Legacy insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $516
- Drivers who choose higher $1,000 deductibles will pay about $74 every year
- The average rate for a 40-year-old good driver using $500 deductibles is $830
- Selecting more expensive low deductibles for comprehensive and collision insurance will increase the cost to $966
- Drivers with serious driving violations could pay at least $1,756
- An auto insurance policy for full coverage for a 16-year-old driver with full coverage can be $3,262 a year
Car insurance prices for a Subaru Legacy also have a wide range based on your driving characteristics, the model of your Legacy, and deductibles and policy limits.
An older driver with no driving violations and high deductibles may pay as low as $800 per year on average, or $67 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged as much as $3,200 a year. View Rates by Age
Where you choose to live makes a big difference in Subaru Legacy insurance prices. A 40-year-old driver could pay as low as $640 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,180 on average in Michigan, New York, and Louisiana.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $750 | -$80 | -9.6% |
Alaska | $636 | -$194 | -23.4% |
Arizona | $688 | -$142 | -17.1% |
Arkansas | $830 | -$0 | 0.0% |
California | $946 | $116 | 14.0% |
Colorado | $792 | -$38 | -4.6% |
Connecticut | $850 | $20 | 2.4% |
Delaware | $938 | $108 | 13.0% |
Florida | $1,036 | $206 | 24.8% |
Georgia | $768 | -$62 | -7.5% |
Hawaii | $598 | -$232 | -28.0% |
Idaho | $562 | -$268 | -32.3% |
Illinois | $618 | -$212 | -25.5% |
Indiana | $626 | -$204 | -24.6% |
Iowa | $558 | -$272 | -32.8% |
Kansas | $788 | -$42 | -5.1% |
Kentucky | $1,130 | $300 | 36.1% |
Louisiana | $1,228 | $398 | 48.0% |
Maine | $512 | -$318 | -38.3% |
Maryland | $684 | -$146 | -17.6% |
Massachusetts | $660 | -$170 | -20.5% |
Michigan | $1,440 | $610 | 73.5% |
Minnesota | $694 | -$136 | -16.4% |
Mississippi | $992 | $162 | 19.5% |
Missouri | $738 | -$92 | -11.1% |
Montana | $890 | $60 | 7.2% |
Nebraska | $652 | -$178 | -21.4% |
Nevada | $992 | $162 | 19.5% |
New Hampshire | $600 | -$230 | -27.7% |
New Jersey | $928 | $98 | 11.8% |
New Mexico | $734 | -$96 | -11.6% |
New York | $872 | $42 | 5.1% |
North Carolina | $478 | -$352 | -42.4% |
North Dakota | $680 | -$150 | -18.1% |
Ohio | $572 | -$258 | -31.1% |
Oklahoma | $850 | $20 | 2.4% |
Oregon | $760 | -$70 | -8.4% |
Pennsylvania | $790 | -$40 | -4.8% |
Rhode Island | $1,108 | $278 | 33.5% |
South Carolina | $752 | -$78 | -9.4% |
South Dakota | $700 | -$130 | -15.7% |
Tennessee | $728 | -$102 | -12.3% |
Texas | $1,000 | $170 | 20.5% |
Utah | $612 | -$218 | -26.3% |
Vermont | $566 | -$264 | -31.8% |
Virginia | $498 | -$332 | -40.0% |
Washington | $640 | -$190 | -22.9% |
West Virginia | $760 | -$70 | -8.4% |
Wisconsin | $572 | -$258 | -31.1% |
Wyoming | $738 | -$92 | -11.1% |
Choosing higher comprehensive and collision insurance deductibles could save up to $210 annually, while increasing your policy's liability limits will increase prices. Changing from a 50/100 limit to a 250/500 limit will cost up to $339 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are likely paying at least $1,000 to $1,400 extra annually, depending on your age. High-risk driver insurance can cost from 43% to 134% 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 | $788 | $66 |
Subaru Legacy 2.5I Premium | $800 | $67 |
Subaru Legacy 2.5I Premium | $800 | $67 |
Subaru Legacy 2.5I Limited | $830 | $69 |
Subaru Legacy 3.6R | $830 | $69 |
Subaru Legacy 3.6R Premium | $830 | $69 |
Subaru Legacy 2.5 GT Limited | $854 | $71 |
Subaru Legacy 2.5 GT Limited | $854 | $71 |
Subaru Legacy 2.5 GT Limited | $854 | $71 |
Subaru Legacy 2.5GT Premium | $846 | $71 |
Subaru Legacy 3.6R Limited | $846 | $71 |
Rates assume 1996 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 |
---|---|---|---|---|
2015 Subaru Legacy | $270 | $330 | $390 | $1,126 |
2011 Subaru Legacy | $228 | $244 | $406 | $1,014 |
2010 Subaru Legacy | $212 | $222 | $402 | $972 |
2009 Subaru Legacy | $200 | $202 | $402 | $940 |
2008 Subaru Legacy | $194 | $182 | $398 | $910 |
2007 Subaru Legacy | $190 | $178 | $390 | $894 |
2006 Subaru Legacy | $188 | $168 | $384 | $876 |
2005 Subaru Legacy | $172 | $160 | $380 | $848 |
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 Affordable Subaru Legacy Insurance
Finding better rates on insurance for a Subaru Legacy not only requires being a low-risk driver, but also having above-average credit, refrain from filing small claims, and consideration of higher deductibles. Invest the time to compare rates every other policy renewal by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The items below are a brief review of the ideas that were presented in the illustrations above.
- Teen drivers are the costliest to insure, with the cost nearing $272 per month if full coverage is included
- Drivers considered higher risk with DUI or reckless driving convictions pay on average $930 more every year to insure their Legacy
- Increasing policy deductibles can save around $200 each year
- You may be able to save up to $90 per year just by shopping 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 | $3,262 |
20 | $1,856 |
30 | $846 |
40 | $830 |
50 | $760 |
60 | $744 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $966 |
$250 | $906 |
$500 | $830 |
$1,000 | $756 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $830 |
50/100 | $921 |
100/300 | $1,015 |
250/500 | $1,260 |
100 CSL | $959 |
300 CSL | $1,166 |
500 CSL | $1,316 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $4,584 |
20 | $2,942 |
30 | $1,772 |
40 | $1,756 |
50 | $1,676 |
60 | $1,656 |
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 | $42 |
Multi-vehicle | $42 |
Homeowner | $14 |
5-yr Accident Free | $47 |
5-yr Claim Free | $51 |
Paid in Full/EFT | $28 |
Advance Quote | $34 |
Online Quote | $56 |
Total Discounts | $314 |
Discounts are estimated and may not be available from every company or in every state.
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