Subaru Legacy 2.5GT Premium Insurance Rates
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U.S. average insurance prices for a Subaru Legacy 2.5GT Premium are $1,442 every 12 months including full coverage. Comprehensive insurance costs an estimated $424, collision costs $572, and liability insurance costs around $310. Liability-only insurance costs as low as $370 a year, with high-risk driver insurance costing $3,050 or more. Teen drivers pay the highest rates at $4,970 a year or more.
Annual premium for full coverage: $1,442
Price estimates broken down by type of coverage:
40-year-old driver, full coverage with $500 deductibles, and good driving record
Price Range for Insurance for this Subaru Legacy Trim Level
For a driver in their 40's, Subaru Legacy 2.5GT Premium insurance prices go from the cheapest price of $370 for just the minimum liability insurance to the much higher price of $3,050 for a driver who has had serious violations or accidents.
These price ranges highlight why everyone should compare prices for a targeted area and their own driving history, rather than relying on price averages.
Use the form below to get rates for your location.
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Car insurance rates for a Subaru Legacy 2.5GT Premium are also quite variable based on deductibles and policy limits, your driving characteristics, and the model year.
Choosing high deductibles could cut rates by as much as $660 each year, whereas buying more liability protection will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will increase rates by as much as $279 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations and higher deductibles could pay as little as $1,300 a year for full coverage. Rates are highest for teenage drivers, since even excellent drivers will be charged at least $4,900 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying $1,600 to $2,200 extra each year, depending on your age. Subaru Legacy 2.5GT Premium insurance for high-risk drivers can be anywhere from 44% to 125% more than average. View High Risk Driver Rates
The state you live in has a huge impact on Subaru Legacy 2.5GT Premium insurance rates. A driver around age 40 might see rates as low as $1,060 a year in states like North Carolina, Indiana, and , or as much as $1,950 on average in Louisiana, Montana, and Michigan. Rates by state and city are shown later in the article.
Since rates can be so different, the best way to figure out who has the best auto insurance rates is to regularly compare rates from as many companies as possible. Each insurance company uses a different rate calculation, so rate quotes may be quite different.
The chart above shows average Subaru Legacy 2.5GT Premium insurance rates for different coverage choices and risks. The lowest rate with discounts is $836. Drivers who choose higher $1,000 deductibles will pay $1,214. The average rate for a driver around age 40 using $500 deductibles is $1,442. Selecting more expensive $100 deductibles for collision and other-than-collision coverage could cost up to $1,872. High risk drivers could be charged at least $3,050. The rate for full coverage for a teenage driver can be as high as $4,970.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,302 | -$140 | -9.7% |
| Alaska | $1,102 | -$340 | -23.6% |
| Arizona | $1,194 | -$248 | -17.2% |
| Arkansas | $1,442 | -$0 | 0.0% |
| California | $1,642 | $200 | 13.9% |
| Colorado | $1,374 | -$68 | -4.7% |
| Connecticut | $1,480 | $38 | 2.6% |
| Delaware | $1,628 | $186 | 12.9% |
| Florida | $1,798 | $356 | 24.7% |
| Georgia | $1,332 | -$110 | -7.6% |
| Hawaii | $1,034 | -$408 | -28.3% |
| Idaho | $978 | -$464 | -32.2% |
| Illinois | $1,072 | -$370 | -25.7% |
| Indiana | $1,084 | -$358 | -24.8% |
| Iowa | $970 | -$472 | -32.7% |
| Kansas | $1,366 | -$76 | -5.3% |
| Kentucky | $1,964 | $522 | 36.2% |
| Louisiana | $2,132 | $690 | 47.9% |
| Maine | $888 | -$554 | -38.4% |
| Maryland | $1,188 | -$254 | -17.6% |
| Massachusetts | $1,146 | -$296 | -20.5% |
| Michigan | $2,498 | $1,056 | 73.2% |
| Minnesota | $1,204 | -$238 | -16.5% |
| Mississippi | $1,724 | $282 | 19.6% |
| Missouri | $1,278 | -$164 | -11.4% |
| Montana | $1,546 | $104 | 7.2% |
| Nebraska | $1,134 | -$308 | -21.4% |
| Nevada | $1,726 | $284 | 19.7% |
| New Hampshire | $1,038 | -$404 | -28.0% |
| New Jersey | $1,610 | $168 | 11.7% |
| New Mexico | $1,274 | -$168 | -11.7% |
| New York | $1,516 | $74 | 5.1% |
| North Carolina | $828 | -$614 | -42.6% |
| North Dakota | $1,178 | -$264 | -18.3% |
| Ohio | $992 | -$450 | -31.2% |
| Oklahoma | $1,476 | $34 | 2.4% |
| Oregon | $1,320 | -$122 | -8.5% |
| Pennsylvania | $1,372 | -$70 | -4.9% |
| Rhode Island | $1,920 | $478 | 33.1% |
| South Carolina | $1,306 | -$136 | -9.4% |
| South Dakota | $1,214 | -$228 | -15.8% |
| Tennessee | $1,258 | -$184 | -12.8% |
| Texas | $1,734 | $292 | 20.2% |
| Utah | $1,064 | -$378 | -26.2% |
| Vermont | $984 | -$458 | -31.8% |
| Virginia | $862 | -$580 | -40.2% |
| Washington | $1,112 | -$330 | -22.9% |
| West Virginia | $1,320 | -$122 | -8.5% |
| Wisconsin | $996 | -$446 | -30.9% |
| Wyoming | $1,282 | -$160 | -11.1% |
Rate Tables and Charts
Not your model?
Choose a different trim level below
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,970 |
| 20 | $3,214 |
| 30 | $1,520 |
| 40 | $1,442 |
| 50 | $1,308 |
| 60 | $1,280 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,872 |
| $250 | $1,676 |
| $500 | $1,442 |
| $1,000 | $1,214 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,442 |
| 50/100 | $1,504 |
| 100/300 | $1,582 |
| 250/500 | $1,783 |
| 100 CSL | $1,535 |
| 300 CSL | $1,706 |
| 500 CSL | $1,830 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,124 |
| 20 | $5,090 |
| 30 | $3,138 |
| 40 | $3,050 |
| 50 | $2,898 |
| 60 | $2,868 |
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 | $78 |
| Multi-vehicle | $69 |
| Homeowner | $19 |
| 5-yr Accident Free | $106 |
| 5-yr Claim Free | $92 |
| Paid in Full/EFT | $68 |
| Advance Quote | $70 |
| Online Quote | $104 |
| Total Discounts | $606 |
Discounts are estimated and may not be available from every company or in every state.
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