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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:

Comprehensive $424
Collision $572
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 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.

Liability Only $370
Full Coverage $1,442
High Risk $3,050

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.

View Chart as Image

Subaru Legacy 2.5GT Premium insurance cost comparison chart
Column chart showing Subaru Legacy 2.5GT Premium insurance prices range from $836 to $4,970 for full coverage

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.

Subaru Legacy 2.5GT Premium Insurance Rates by State
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%

View Chart as Image

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

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Rates by Driver Age

Subaru Legacy 2.5GT Premium Insurance 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

Subaru Legacy 2.5GT Premium Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,872
$250 $1,676
$500 $1,442
$1,000 $1,214

Full coverage, driver age 40

Rates by Liability Limit

Subaru Legacy 2.5GT Premium Insurance Rates with Different Liability Limits
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

Subaru Legacy 2.5GT Premium Insurance 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.

SR-22 Surcharge $189

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
Rate after discounts $836

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

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