2020 Subaru Legacy Insurance Rates
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UPDATED: Apr 30, 2020
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Average insurance rates for a 2020 Subaru Legacy are $1,364 a year with full coverage. Comprehensive insurance costs approximately $384, collision costs $512, and liability coverage costs $332. Buying a liability-only policy costs as little as $388 a year, with high-risk insurance costing $2,890 or more. Teen drivers receive the highest rates at $4,782 a year or more.
Annual premium for full coverage: $1,364
Rate estimates for 2020 Subaru Legacy Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2020 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 $388 for a discount liability-only rate to the much higher price of $2,890 for a driver who has had serious violations or accidents.
These differences demonstrate why everyone should compare rates using their specific location and risk profile, rather than using price averages.
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 2020 Subaru Legacy Insurance
There isn’t a single person who gets a kick out of paying for insurance, especially when they are aware that their premiums are too high.
With vehicle owners having so many insurance providers from which to choose, it can be impossible to locate the lowest cost insurance company.
First Step: Get free auto insurance quotes
All the larger auto insurance companies like State Farm, Allstate and GEICO give prices from their websites. Comparing rates online is possible for anyone because it’s just a matter of typing in the coverage amounts you desire into the quote form. After you submit the form the quote system sends out for your credit score and driving record and returns a price quote based on the information you submitted. This makes comparing rates easy, but the time it takes to visit different websites and complete many quote forms can get tiresome after awhile. But it’s also necessary to perform this step in order to find the best price possible.
There is an easier way!
A less time-consuming method to find lower prices is to use a quote form that analyzes rates from more than one company. It’s a real time-saver, reduces the work, and makes online quotes much more enjoyable. As soon as the form is sent, it gets priced and you can select any or none of the pricing results. If you find a better price you can simply submit the application and buy the policy. The whole process takes 15 minutes at the most and may result in a nice savings.
To save time and find out what other companies charge, simply enter your zip code here and submit your coverage information. If you currently have coverage, we recommend you replicate the coverage information exactly as shown on your declarations page. This makes sure you are getting comparison quotes based on the exact same insurance coverage.
Insurance discounts help cut rates
The price of auto insurance can be rather high, but there are discounts available that you may not even be aware of. Some discounts apply automatically when you purchase, but once in a while a discount must be manually applied in order for you to get them. If you are not receiving all the discounts you deserve, you’re paying more than you need to.
- Good Student Discount – Excelling in school can save 20 to 25%. The discount lasts until age 25.
- Student Driver Training – It’s a good idea to have your young drivers sucessfully take a drivers education course in school.
- Early Renewal Discounts – A few insurance companies offer discounts for signing up prior to your current policy expiration. You may see this discount when you get insurance coverage quotes online.
- More Vehicles More Savings – Buying insurance for multiple cars on the same insurance policy could earn a price break for each car.
- Homeowners Discount – Owning a house can get you a discount due to the fact that maintaining a home is proof of financial responsibility.
- Discounts for Government Workers – Federal government employees could provide a small rate reduction for Legacy coverage but check with your company.
- Defensive Driver Discount – Participating in a driver safety course could save 5% or more and easily recoup the cost of the course.
- Paper-free Discount – A handful of insurance companies give back up to $50 for buying a policy and signing up digitally online.
Just know that most discount credits are not given to the whole policy. Most cut specific coverage prices like liability, collision or medical payments. Just because it seems like adding up those discounts means a free policy, nobody gets a free ride.
Car insurance companies who may offer some of the above discounts include:
If you need lower rates, check with all the companies to give you their best rates. Some credits may not be offered everywhere. To see insurers that offer the discounts shown above, enter your zip code here.
Which is the best car insurance?
When it comes to buying proper insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Every situation is different and your policy should reflect that. These are some specific questions could help you determine if your insurance needs could use an agent’s help.
- Where can I find DUI or SR-22 insurance?
- Are rock chip repairs covered?
- Is my ex-spouse still covered by my policy?
- How do I buy GAP insurance?
- Do I need an umbrella policy?
- Is my business laptop covered if it gets stolen from my vehicle?
If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and enter your zip code.
Why your insurance costs might be higher
Many different elements are considered when pricing auto insurance. Some factors are common sense like your driving record, but other factors are less apparent such as your marital status or your commute time.
Listed below are some of the things utilized by car insurance companies to help set premiums.
- Reserve insurance claims for larger damages – If you frequently file small claims, you shouldn’t be surprised to get increased rates or even have your policy non-renewed. Auto insurance companies generally give the best rates to insureds who are claim-free. Insurance coverage is intended to be relied upon for major claims that would cause financial hardship.
- Safer vehicles lower premiums – Vehicles that have high safety ratings tend to be cheaper to insure. Safer cars reduce injuries and reduced instances of injuries translates into savings for insurance companies and more competitive rates for policyholders.
- Single drivers may get higher rates – Having a spouse can get you a discount on your insurance coverage policy. It translates into being more mature than a single person and it’s statistically proven that being married results in fewer claims.
- Pleasure use saves money – The more you drive annually the more it will cost to insure it. Most insurance companies charge to insure your cars determined by how the vehicle is used. Cars and trucks that do not get driven very much get more affordable rates than cars that get driven a lot. Incorrect rating for your Legacy is just wasting money. It’s always a good idea to double check that your insurance coverage coverage is showing the correct usage, because improper ratings can cost you money.
Auto insurance coverage information
Learning about specific coverages of your auto insurance policy aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Listed below are the usual coverages found on the average auto insurance policy.
Liability coverage can cover injuries or damage you cause to people or other property that is your fault. It protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.
Liability coverage pays for claims such as structural damage, emergency aid and repair bills for other people’s vehicles. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.
This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive insurance covers things like hitting a bird, rock chips in glass, vandalism, damage from a tornado or hurricane and hail damage. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.
Uninsured/Underinsured Motorist (UM/UIM)
This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your 2020 Subaru Legacy.
Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.
Med pay and Personal Injury Protection (PIP)
Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as hospital visits, X-ray expenses, surgery and dental work. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage
Collision coverage will pay to fix damage to your Legacy resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.
Collision insurance covers claims like hitting a parking meter, crashing into a building, crashing into a ditch, sideswiping another vehicle and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.
Be a Smart Shopper
We just showed you many ideas to reduce 2020 Subaru Legacy insurance rates online. It’s most important to understand that the more providers you compare, the better your chances of lowering your car insurance rates. You may even discover the biggest savings come from the least-expected company. These companies often have lower car insurance rates on specific markets than their larger competitors like State Farm and Allstate.
As you restructure your insurance plan, make sure you don’t buy less coverage just to save a little money. There have been many situations where drivers have reduced full coverage and found out when filing a claim that the savings was not a smart move. Your focus should be to buy the best coverage you can find for the lowest price while not skimping on critical coverages.
Lower-priced 2020 Subaru Legacy insurance is attainable both online and with local insurance agents, and you should compare price quotes from both to have the best rate selection. Some insurance companies may not offer rates over the internet and most of the time these smaller providers only sell through independent insurance agents.
More tips and info about insurance can be read in the articles below:
Rates by U.S. City
|New York City, NY||$2,151|
|Los Angeles, CA||$2,328|
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||$98|
|5-yr Claim Free||$87|
|Paid in Full/EFT||$62|
Discounts are estimated and may not be available from every company or in every state.