1. Vehicles
  2. Subaru
  3. Legacy
  4. 2.5I Limited

Subaru Legacy 2.5I Limited Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

The average insurance rates for a Subaru Legacy 2.5I Limited are $1,396 a year including full coverage. Comprehensive costs around $410, collision insurance costs $540, and liability coverage costs around $310. Liability-only insurance costs as low as $370 a year, and high-risk driver insurance costs around $2,950. Teen drivers cost the most to insure at up to $4,826 a year.

Annual premium for full coverage: $1,396

Policy rates for type of coverage:

Comprehensive $410
Collision $540
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 average driver, Subaru Legacy 2.5I Limited insurance rates range from the low end price of $370 for just liability coverage to the much higher price of $2,950 for a driver that may need high-risk insurance.

Liability Only $370
Full Coverage $1,396
High Risk $2,950

Urban vs. Rural Price Range

Where you live has a large influence on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than larger metro areas. The example below illustrates how location impacts auto insurance rates.

Rural Areas $1,047
Small Cities $1,466
Large Cities $1,885

These price differences highlight why everyone should compare prices for a specific zip code, 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 Subaru Legacy 2.5I Limited Insurance

Searching Companies

Auto insurance rates for a Subaru Legacy 2.5I Limited also range considerably based on the replacement cost of your Legacy, your driving record and age, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,600 to $2,100 in extra premium every year, depending on your age. Subaru Legacy 2.5I Limited insurance for high-risk drivers can be around 44% to 129% more than average. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Prices are highest for teenagers, since even teens with perfect driving records will have to pay as much as $4,800 a year. View Rates by Age

Your home state has a huge impact on Subaru Legacy 2.5I Limited insurance rates. A driver around age 40 might see prices as low as $1,060 a year in states like , Indiana, and North Carolina, or as much as $1,950 on average in Michigan, Montana, and Louisiana. Rates by state and city are shown later in the article.

Choosing high deductibles could cut prices by as much as $630 a year, whereas buying more liability protection will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise prices by up to $279 extra every year. View Rates by Deductible or Liability Limit

Because prices have so much variability, the best way to figure out your exact price is to regularly compare prices and see how they stack up. Each insurance company uses a different rate calculation, and quoted rates will be varied.

View Chart as Image

Subaru Legacy 2.5I Limited insurance cost comparison chart
Column chart showing Subaru Legacy 2.5I Limited insurance prices range from $811 to $4,826 for full coverage

The chart above shows average Subaru Legacy 2.5I Limited insurance prices for various risks and coverage choices. The cheapest price with discounts is $811. Drivers who choose higher $1,000 deductibles will pay $1,180. The average price for a driver age 40 with no violations using $500 deductibles is $1,396. Selecting more expensive $100 deductibles for collision and other-than-collision coverage could cost up to $1,808. High risk drivers could be charged around $2,950. The rate for full coverage insurance for a 16-year-old driver can be as high as $4,826.

Subaru Legacy 2.5I Limited Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,260 -$136 -9.7%
Alaska $1,068 -$328 -23.5%
Arizona $1,156 -$240 -17.2%
Arkansas $1,396 -$0 0.0%
California $1,590 $194 13.9%
Colorado $1,332 -$64 -4.6%
Connecticut $1,432 $36 2.6%
Delaware $1,576 $180 12.9%
Florida $1,740 $344 24.6%
Georgia $1,288 -$108 -7.7%
Hawaii $1,002 -$394 -28.2%
Idaho $946 -$450 -32.2%
Illinois $1,038 -$358 -25.6%
Indiana $1,052 -$344 -24.6%
Iowa $938 -$458 -32.8%
Kansas $1,324 -$72 -5.2%
Kentucky $1,902 $506 36.2%
Louisiana $2,066 $670 48.0%
Maine $860 -$536 -38.4%
Maryland $1,150 -$246 -17.6%
Massachusetts $1,112 -$284 -20.3%
Michigan $2,420 $1,024 73.4%
Minnesota $1,168 -$228 -16.3%
Mississippi $1,670 $274 19.6%
Missouri $1,238 -$158 -11.3%
Montana $1,496 $100 7.2%
Nebraska $1,100 -$296 -21.2%
Nevada $1,672 $276 19.8%
New Hampshire $1,006 -$390 -27.9%
New Jersey $1,560 $164 11.7%
New Mexico $1,234 -$162 -11.6%
New York $1,468 $72 5.2%
North Carolina $802 -$594 -42.6%
North Dakota $1,142 -$254 -18.2%
Ohio $960 -$436 -31.2%
Oklahoma $1,430 $34 2.4%
Oregon $1,278 -$118 -8.5%
Pennsylvania $1,326 -$70 -5.0%
Rhode Island $1,858 $462 33.1%
South Carolina $1,264 -$132 -9.5%
South Dakota $1,176 -$220 -15.8%
Tennessee $1,218 -$178 -12.8%
Texas $1,680 $284 20.3%
Utah $1,032 -$364 -26.1%
Vermont $952 -$444 -31.8%
Virginia $836 -$560 -40.1%
Washington $1,074 -$322 -23.1%
West Virginia $1,280 -$116 -8.3%
Wisconsin $964 -$432 -30.9%
Wyoming $1,242 -$154 -11.0%

View Chart as Image

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

Not your model?

Choose a different trim level below

Rates by Driver Age

Subaru Legacy 2.5I Limited Insurance Rates by Driver Age
Driver Age Premium
16 $4,826
20 $3,108
30 $1,468
40 $1,396
50 $1,266
60 $1,240

Full coverage, $500 deductibles

Rates by Deductible

Subaru Legacy 2.5I Limited Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,808
$250 $1,620
$500 $1,396
$1,000 $1,180

Full coverage, driver age 40

Rates by Liability Limit

Subaru Legacy 2.5I Limited Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,396
50/100 $1,458
100/300 $1,536
250/500 $1,737
100 CSL $1,489
300 CSL $1,660
500 CSL $1,784

Full coverage, driver age 40

Rates for High Risk Drivers

Subaru Legacy 2.5I Limited Insurance Rates for High Risk Drivers
Age Premium
16 $6,910
20 $4,918
30 $3,034
40 $2,950
50 $2,802
60 $2,772

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 $182

Potential Rate Discounts

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

Discount Savings
Multi-policy $76
Multi-vehicle $67
Homeowner $19
5-yr Accident Free $101
5-yr Claim Free $89
Paid in Full/EFT $65
Advance Quote $67
Online Quote $101
Total Discounts $585
Rate after discounts $811

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

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles