2019 Subaru Legacy Insurance Rates
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UPDATED: Apr 30, 2020
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Average insurance rates for a 2019 Subaru Legacy are $1,350 a year for full coverage. Comprehensive insurance costs on average $370, collision insurance costs $506, and liability insurance costs $338. Buying a liability-only policy costs as little as $394 a year, and high-risk insurance costs $2,872 or more. Teenage drivers receive the highest rates at up to $4,778 a year.
Annual premium for full coverage: $1,350
Rate estimates for 2019 Subaru Legacy Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2019 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 40-year-old driver, prices range range from as low as $394 for a discount liability-only rate to the much higher price of $2,872 for high-risk insurance.
These differences show why everyone should compare rates based on a specific location and risk profile, rather than relying 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 2019 Subaru Legacy Insurance
Finding better insurance prices for a Subaru Legacy can turn out to be an all-consuming task, but you can learn our insurance coverage buying tips and make it easy. There are more efficient ways to find insurance coverage online and we’ll show you the absolute fastest way to get price quotes for your Subaru and obtain the cheapest rates from both online companies and local agents.
You should take the time to compare premium rates before your policy renews because insurance coverage prices are variable and change quite frequently. If you had the lowest rate on Legacy coverage on your last policy you can probably find a better premium rate now. Forget anything you know (or think you know) about insurance coverage because we’re going to demonstrate the best way to eliminate unnecessary coverages and save money.
How do insurance companies determine Subaru Legacy insurance premiums?
An important part of buying insurance is that you know some of the factors that come into play when calculating auto insurance rates. If you understand what determines base rates, this empowers consumers to make smart changes that will entitle you to lower premium levels. Many factors are taken into consideration when you get your auto insurance bill. Some are pretty understandable like an MVR report, but some are not quite as obvious like your vehicle usage or your financial responsibility.
- High credit history translates to low rates – Credit score will be a significant factor in calculating your premium rate. Therefore, if your credit could use some work, you could be paying less to insure your 2019 Subaru Legacy by improving your credit score. Insureds with very high credit ratings tend to file fewer claims than those with worse credit.
- Insure your auto and home with one company – Some insurers will give lower prices to insureds who have multiple policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, it’s still a good idea to comparison shop to make sure you are getting the best deal.
- Pleasure use saves money – The more you drive in a year’s time the higher your rate. A lot of companies charge rates based upon how the vehicle is primarily used. Cars and trucks that sit idle most of the time receive better premium rates compared to those used for work or business. It’s always a good idea to double check that your auto insurance coverage states the proper vehicle usage. Incorrect rating for your Legacy may be costing you higher rates.
- Keep claims to a minimum – If you frequently file small claims, you shouldn’t be surprised to get either policy cancellation or increased premiums. Auto insurance companies give the lowest premiums to drivers who only file infrequent claims. Auto insurance is intended for more catestrophic claims.
- Incidental coverages can cost a lot – Policies have additional extra coverages that you can get tricked into buying if you aren’t diligent. Coverage for things like roadside assistance, better glass coverage, and membership fees are probably not needed. The coverages may be enticing when you first buy your policy, but now you might not need them so get rid of them and save.
Don’t overlook these auto insurance discounts
Some insurers don’t list every policy discount very clearly, so here is a list a few of the more well known and the harder-to-find discounts you could be receiving when you buy insurance coverage online.
- College Student Discount – College-age children who live away from home at college and do not have a car may qualify for this discount.
- Student Driver Training – Have your child participate in a local driver’s education class if offered at their school.
- Include Life Insurance and Save – Some companies give a small discount if you purchase a life policy as well.
- Renewal Discounts – A few companies give discounts for buying a policy before your current policy expires. It can save you around 10%.
- ABS Braking Discount – Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
- Defensive Driver Discounts – Taking time to complete a defensive driver course can save you 5% or more depending on where you live.
- Theft Deterent System – Anti-theft and alarm system equipped vehicles are stolen less frequently and that can save you a little bit as well.
Discounts lower rates, but most discounts do not apply to the entire policy premium. Most only cut individual premiums such as medical payments or collision. So even though it sounds like you can get free auto insurance, insurance companies wouldn’t stay in business. Any qualifying discounts will positively reduce the amount you have to pay.
If you would like to see a list of companies that can offer you the previously mentioned discounts, enter your zip code here.
Can you really save that much by switching?
Drivers can’t get away from all the ads that promise big savings from the likes of Progressive, Allstate and GEICO. They all seem to seem to make the promise about how much you will save if you change your insurance coverage to their company.
How does every insurance company make almost identical claims?
Different companies quote the lowest rates for the driver that is profitable for them. For instance, a desirable insured should be between 30 and 50, has never had a claim, and drives a car with an anti-theft system. Someone who meets those qualifications will get the preferred prices as well as save when they switch companies.
Insureds who do not match these standards may be required to pay more expensive rates and this can result in the customer buying from a different company. The ad wording is “customers who switch” not “everyone that quotes” can save as much as they claim. That’s the way insurance companies can confidently make those claims. Each company has different criteria, so drivers should compare rate quotes every year. It’s impossible to know which insurance company will give you the biggest savings.
When to get professional advice
When choosing adequate coverage, there isn’t really a cookie cutter policy. Everyone’s situation is a little different.
For instance, these questions may help highlight if your insurance needs would benefit from an agent’s advice.
- Is extra glass coverage worth it?
- Should I buy only the required minimum liability coverage?
- Is borrowed equipment or tools covered if stolen or damaged?
- Does my policy pay for OEM or aftermarket parts?
- Is a fancy paint job covered?
- Is motorclub coverage worth it?
If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out your zip code. It’s fast, free and can help protect your family.
Coverages available on your auto insurance policy
Learning about specific coverages of a auto insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement.
Comprehensive auto coverage
This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims like damage from getting keyed, hail damage, damage from a tornado or hurricane and hitting a deer. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.
Liability insurance can cover injuries or damage you cause to people or other property by causing an accident. This coverage protects you from legal claims by others. It does not cover your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.
Liability coverage protects against things like medical services, bail bonds, structural damage, legal defense fees and attorney fees. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.
Medical payments and PIP coverage
Coverage for medical payments and/or PIP reimburse you for immediate expenses such as prosthetic devices, doctor visits, hospital visits, chiropractic care and pain medications. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. They cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay
Coverage for collisions
This will pay to fix damage to your Legacy resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.
Collision coverage pays for claims like hitting a mailbox, rolling your car, damaging your car on a curb and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.
UM/UIM (Uninsured/Underinsured Motorist) coverage
This protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and also any damage incurred to your Subaru Legacy.
Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
More choices the merrier
We covered many tips how you can save on 2019 Subaru Legacy insurance. The key thing to remember is the more price quotes you have, the better your comparison will be. You may even find the most savings is with a company that doesn’t do a lot of advertising.
Cheaper insurance is attainable from both online companies as well as from independent agents, so you need to quote insurance coverage with both in order to have the best price selection to choose from. A few companies may not have internet price quotes and most of the time these small insurance companies only sell coverage through local independent agents.
As you prepare to switch companies, make sure you don’t buy less coverage just to save a little money. In many cases, someone dropped physical damage coverage to discover at claim time they didn’t have enough coverage. The proper strategy is to buy enough coverage at an affordable rate while not skimping on critical coverages.
Additional information is available below:
Rates by U.S. City
|New York City, NY||$2,130|
|Los Angeles, CA||$2,307|
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||$97|
|5-yr Claim Free||$86|
|Paid in Full/EFT||$62|
Discounts are estimated and may not be available from every company or in every state.