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:
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.
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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Recommended Companies for Cheap Subaru Legacy 2.5I Premium Insurance
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.
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.
| 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% |
Rate Tables and Charts
Not your model?
Choose a different trim level below
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
| Deductible | Premium |
|---|---|
| $100 | $1,676 |
| $250 | $1,508 |
| $500 | $1,304 |
| $1,000 | $1,108 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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