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Subaru Legacy 2.5 GT Limited Insurance Rates

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The average insurance rates for a Subaru Legacy 2.5 GT Limited are $1,474 a year for full coverage insurance. Comprehensive costs approximately $424, collision insurance costs $604, and liability costs around $310. A liability-only policy costs as low as $370 a year, and high-risk insurance costs around $3,128. Teen drivers cost the most to insure at up to $5,094 a year.

Annual premium for full coverage: $1,474

Policy rates by type of insurance:

Comprehensive $424
Collision $604
Liability $310

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Subaru Legacy Trim Level

For the normal driver, Subaru Legacy 2.5 GT Limited insurance rates range from the low end price of $370 for just liability coverage to a much higher rate of $3,128 for a driver who requires high-risk insurance.

Liability Only $370
Full Coverage $1,474
High Risk $3,128

Urban vs. Rural Price Range

Where you live can have significant affects on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than larger metro areas. The price range example below illustrates how geographic area affects auto insurance prices.

Rural Areas $1,106
Small Cities $1,548
Large Cities $1,990

These price differences illustrate why anyone shopping for car insurance should compare prices using their specific location, instead of 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.

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Car insurance rates for a Subaru Legacy 2.5 GT Limited also range considerably based on the model year, your age and driving record, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,700 to $2,300 extra every year, depending on your age. High-risk driver insurance can be as much as 45% to 130% more than average. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,400 a year, or $117 per month, for full coverage. Prices are highest for teenagers, since even teens with perfect driving records will be charged in the ballpark of $5,000 a year. View Rates by Age

Your home state has a huge impact on Subaru Legacy 2.5 GT Limited insurance prices. A driver around age 40 might see prices as low as $1,180 a year in states like , , and North Carolina, or as much as $1,800 on average in California, Montana, and Michigan. Rates by state and city are shown later in the article.

Choosing high deductibles could cut prices by as much as $680 every year, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise prices by up to $279 extra every 12 months. View Rates by Deductible or Liability Limit

Because prices have so much variability, the only way to figure out which insurance company is cheapest is to compare prices and see which company has the best price. Each insurance company uses a different rate calculation, so rate quotes will be varied.

View Chart as Image

Subaru Legacy 2.5 GT Limited insurance cost comparison chart
Column chart showing Subaru Legacy 2.5 GT Limited insurance prices range from $850 to $5,094 for full coverage

The chart estimates Subaru Legacy 2.5 GT Limited insurance prices for various risks and coverage choices. The best price after discounts is $850. Drivers who choose higher $1,000 deductibles will pay $1,238. The average price for a middle-aged driver with a clean driving record using $500 deductibles is $1,474. Using more expensive $100 deductibles for physical damage coverage could cost up to $1,918. High risk drivers could be charged around $3,128. The price for full coverage insurance for a teenager can be as high as $5,094.

Subaru Legacy 2.5 GT Limited Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,332 -$142 -9.6%
Alaska $1,126 -$348 -23.6%
Arizona $1,220 -$254 -17.2%
Arkansas $1,474 -$0 0.0%
California $1,678 $204 13.8%
Colorado $1,404 -$70 -4.7%
Connecticut $1,512 $38 2.6%
Delaware $1,664 $190 12.9%
Florida $1,838 $364 24.7%
Georgia $1,362 -$112 -7.6%
Hawaii $1,058 -$416 -28.2%
Idaho $998 -$476 -32.3%
Illinois $1,096 -$378 -25.6%
Indiana $1,108 -$366 -24.8%
Iowa $992 -$482 -32.7%
Kansas $1,396 -$78 -5.3%
Kentucky $2,006 $532 36.1%
Louisiana $2,180 $706 47.9%
Maine $908 -$566 -38.4%
Maryland $1,214 -$260 -17.6%
Massachusetts $1,172 -$302 -20.5%
Michigan $2,554 $1,080 73.3%
Minnesota $1,230 -$244 -16.6%
Mississippi $1,762 $288 19.5%
Missouri $1,306 -$168 -11.4%
Montana $1,580 $106 7.2%
Nebraska $1,160 -$314 -21.3%
Nevada $1,764 $290 19.7%
New Hampshire $1,060 -$414 -28.1%
New Jersey $1,646 $172 11.7%
New Mexico $1,302 -$172 -11.7%
New York $1,550 $76 5.2%
North Carolina $848 -$626 -42.5%
North Dakota $1,204 -$270 -18.3%
Ohio $1,014 -$460 -31.2%
Oklahoma $1,508 $34 2.3%
Oregon $1,348 -$126 -8.5%
Pennsylvania $1,402 -$72 -4.9%
Rhode Island $1,962 $488 33.1%
South Carolina $1,334 -$140 -9.5%
South Dakota $1,240 -$234 -15.9%
Tennessee $1,286 -$188 -12.8%
Texas $1,772 $298 20.2%
Utah $1,088 -$386 -26.2%
Vermont $1,006 -$468 -31.8%
Virginia $882 -$592 -40.2%
Washington $1,136 -$338 -22.9%
West Virginia $1,350 -$124 -8.4%
Wisconsin $1,018 -$456 -30.9%
Wyoming $1,312 -$162 -11.0%

View Chart as Image

Subaru Legacy 2.5 GT Limited insurance rates by U.S. city

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Rates by Driver Age

Subaru Legacy 2.5 GT Limited Insurance Rates by Driver Age
Driver Age Premium
16 $5,094
20 $3,302
30 $1,554
40 $1,474
50 $1,338
60 $1,310

Full coverage, $500 deductibles

Rates by Deductible

Subaru Legacy 2.5 GT Limited Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,918
$250 $1,716
$500 $1,474
$1,000 $1,238

Full coverage, driver age 40

Rates by Liability Limit

Subaru Legacy 2.5 GT Limited Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,474
50/100 $1,536
100/300 $1,614
250/500 $1,815
100 CSL $1,567
300 CSL $1,738
500 CSL $1,862

Full coverage, driver age 40

Rates for High Risk Drivers

Subaru Legacy 2.5 GT Limited Insurance Rates for High Risk Drivers
Age Premium
16 $7,308
20 $5,232
30 $3,220
40 $3,128
50 $2,972
60 $2,942

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.

SR-22 Surcharge $195

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $80
Multi-vehicle $71
Homeowner $20
5-yr Accident Free $110
5-yr Claim Free $94
Paid in Full/EFT $70
Advance Quote $72
Online Quote $107
Total Discounts $624
Rate after discounts $850

Discounts are estimated and may not be available from every company or in every state.

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