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Subaru Legacy 2.5I Premium Insurance Rates

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Estimated auto insurance rates for a Subaru Legacy 2.5I Premium are $1,304 annually for full coverage insurance. Comprehensive insurance costs an estimated $382, collision insurance costs $476, and liability coverage costs around $310. A liability-only policy costs as low as $370 a year, and high-risk insurance costs $2,748 or more. Teen drivers pay the most at up to $4,538 a year.

Annual premium for full coverage: $1,304

Premium estimates broken down by type of coverage:

Comprehensive $382
Collision $476
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, insurance rates for a Subaru Legacy 2.5I Premium range from as cheap as $370 for liability-only coverage to the much higher price of $2,748 for a driver who requires high-risk insurance.

Liability Only $370
Full Coverage $1,304
High Risk $2,748

These rate differences illustrate why everyone should compare prices for a targeted area and their own personal driving habits, rather than using price averages.

Use the form below to get rates for your location.

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Auto insurance rates for a Subaru Legacy 2.5I Premium also have a wide range based on the replacement cost of your Legacy, your risk profile, and liability limits and deductibles.

A more mature driver with a good driving record and high physical damage deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay at least $4,500 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying $1,500 to $2,000 in extra premium annually, depending on your age. Subaru Legacy 2.5I Premium insurance for high-risk drivers can be around 44% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $570 a year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $279 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Subaru Legacy 2.5I Premium insurance rates. 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.

With such a large range of prices, the only way to figure out who has the best car insurance prices is to regularly compare prices and see how they stack up. Each insurance company uses a different rate calculation, and quoted rates will be substantially different between companies.

View Chart as Image

Subaru Legacy 2.5I Premium insurance cost comparison chart
Column chart showing Subaru Legacy 2.5I Premium insurance prices range from $767 to $4,538 for full coverage

The chart estimates Subaru Legacy 2.5I Premium insurance prices for various situations. The cheapest price with discounts is $767. Drivers who choose higher $1,000 deductibles will pay about $1,108. The average price for a driver around age 40 using $500 deductibles is $1,304. Selecting more expensive $100 deductibles for physical damage coverage could cost up to $1,676. High risk drivers could be charged up to $2,748. The rate for full coverage for a teenage driver can be as high as $4,538.

Subaru Legacy 2.5I Premium Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,178 -$126 -9.7%
Alaska $998 -$306 -23.5%
Arizona $1,082 -$222 -17.0%
Arkansas $1,304 -$0 0.0%
California $1,486 $182 14.0%
Colorado $1,244 -$60 -4.6%
Connecticut $1,338 $34 2.6%
Delaware $1,474 $170 13.0%
Florida $1,628 $324 24.8%
Georgia $1,206 -$98 -7.5%
Hawaii $936 -$368 -28.2%
Idaho $882 -$422 -32.4%
Illinois $970 -$334 -25.6%
Indiana $982 -$322 -24.7%
Iowa $878 -$426 -32.7%
Kansas $1,236 -$68 -5.2%
Kentucky $1,778 $474 36.3%
Louisiana $1,930 $626 48.0%
Maine $804 -$500 -38.3%
Maryland $1,076 -$228 -17.5%
Massachusetts $1,038 -$266 -20.4%
Michigan $2,262 $958 73.5%
Minnesota $1,092 -$212 -16.3%
Mississippi $1,560 $256 19.6%
Missouri $1,158 -$146 -11.2%
Montana $1,398 $94 7.2%
Nebraska $1,028 -$276 -21.2%
Nevada $1,562 $258 19.8%
New Hampshire $940 -$364 -27.9%
New Jersey $1,458 $154 11.8%
New Mexico $1,152 -$152 -11.7%
New York $1,372 $68 5.2%
North Carolina $750 -$554 -42.5%
North Dakota $1,066 -$238 -18.3%
Ohio $898 -$406 -31.1%
Oklahoma $1,338 $34 2.6%
Oregon $1,194 -$110 -8.4%
Pennsylvania $1,240 -$64 -4.9%
Rhode Island $1,738 $434 33.3%
South Carolina $1,182 -$122 -9.4%
South Dakota $1,098 -$206 -15.8%
Tennessee $1,140 -$164 -12.6%
Texas $1,570 $266 20.4%
Utah $962 -$342 -26.2%
Vermont $892 -$412 -31.6%
Virginia $782 -$522 -40.0%
Washington $1,006 -$298 -22.9%
West Virginia $1,196 -$108 -8.3%
Wisconsin $900 -$404 -31.0%
Wyoming $1,160 -$144 -11.0%

View Chart as Image

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

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Rates by Driver Age

Subaru Legacy 2.5I Premium Insurance Rates by Driver Age
Driver Age Premium
16 $4,538
20 $2,894
30 $1,370
40 $1,304
50 $1,184
60 $1,158

Full coverage, $500 deductibles

Rates by Deductible

Subaru Legacy 2.5I Premium Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,676
$250 $1,508
$500 $1,304
$1,000 $1,108

Full coverage, driver age 40

Rates by Liability Limit

Subaru Legacy 2.5I Premium Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,304
50/100 $1,366
100/300 $1,444
250/500 $1,645
100 CSL $1,397
300 CSL $1,568
500 CSL $1,692

Full coverage, driver age 40

Rates for High Risk Drivers

Subaru Legacy 2.5I Premium Insurance Rates for High Risk Drivers
Age Premium
16 $6,484
20 $4,578
30 $2,824
40 $2,748
50 $2,610
60 $2,582

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 $167

Potential Rate Discounts

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

Discount Savings
Multi-policy $70
Multi-vehicle $62
Homeowner $18
5-yr Accident Free $92
5-yr Claim Free $82
Paid in Full/EFT $59
Advance Quote $61
Online Quote $93
Total Discounts $537
Rate after discounts $767

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

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