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Subaru Legacy 2.5I Insurance Rates

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U.S. average insurance prices for a Subaru Legacy 2.5I are $1,260 every 12 months for full coverage. Comprehensive insurance costs an estimated $368 a year, collision insurance costs $446, and liability coverage costs $310. Buying just liability costs as little as $370 a year, and insurance for high-risk drivers costs $2,648 or more. Teen drivers pay the highest rates at up to $4,392 a year.

Annual premium for full coverage: $1,260

Price estimates broken down by individual coverage type:

Comprehensive $368
Collision $446
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

Using a middle-aged driver as an example, Subaru Legacy 2.5I insurance prices range from the cheapest price of $370 for your basic liability-only policy to a high of $2,648 for a high-risk driver policy.

Liability Only $370
Full Coverage $1,260
High Risk $2,648

These price ranges show why it is important for drivers to compare rates for a targeted area and their own driving history, 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.

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Insurance prices for a Subaru Legacy 2.5I are also quite variable based on deductibles and policy limits, your driver profile, and the model year.

Choosing high deductibles could save up to $540 a year, while buying higher liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will increase rates by as much as $279 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may only pay around $1,200 per year on average for full coverage. Rates are highest for teenage drivers, since even excellent drivers should be prepared to pay at least $4,300 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying $1,400 to $1,900 additional each year, depending on your age. A high-risk auto insurance policy can cost around 43% to 125% more than average. View High Risk Driver Rates

The state you live in makes a big difference in Subaru Legacy 2.5I insurance rates. A 40-year-old driver could pay as low as $900 a year in states like Iowa, Maine, and Idaho, or as much as $1,950 on average in Montana, Louisiana, and Michigan. Rates by state and city are shown later in the article.

Since rates can be so different, the only way to know who has the cheapest car insurance rates is to get quotes and see how they stack up. Every company uses a different rate calculation, and rates may be quite different.

View Chart as Image

Subaru Legacy 2.5I insurance cost comparison chart
Column chart showing Subaru Legacy 2.5I insurance prices range from $744 to $4,392 for full coverage

Chart shows Subaru Legacy 2.5I insurance rates for various coverage choices and risks. The cheapest rate with discounts is $744. Drivers who choose higher $1,000 deductibles will pay $1,074. The average rate for a driver around age 40 using $500 deductibles is $1,260. Choosing low $100 deductibles for comprehensive and collision insurance can cost as much as $1,608. High risk drivers could be charged at least $2,648. The cost for full coverage for a teenage driver is $4,392.

Subaru Legacy 2.5I Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,136 -$124 -9.8%
Alaska $964 -$296 -23.5%
Arizona $1,044 -$216 -17.1%
Arkansas $1,260 -$0 0.0%
California $1,434 $174 13.8%
Colorado $1,200 -$60 -4.8%
Connecticut $1,292 $32 2.5%
Delaware $1,422 $162 12.9%
Florida $1,570 $310 24.6%
Georgia $1,164 -$96 -7.6%
Hawaii $904 -$356 -28.3%
Idaho $854 -$406 -32.2%
Illinois $936 -$324 -25.7%
Indiana $948 -$312 -24.8%
Iowa $846 -$414 -32.9%
Kansas $1,194 -$66 -5.2%
Kentucky $1,716 $456 36.2%
Louisiana $1,862 $602 47.8%
Maine $776 -$484 -38.4%
Maryland $1,038 -$222 -17.6%
Massachusetts $1,002 -$258 -20.5%
Michigan $2,182 $922 73.2%
Minnesota $1,052 -$208 -16.5%
Mississippi $1,508 $248 19.7%
Missouri $1,116 -$144 -11.4%
Montana $1,350 $90 7.1%
Nebraska $990 -$270 -21.4%
Nevada $1,508 $248 19.7%
New Hampshire $906 -$354 -28.1%
New Jersey $1,408 $148 11.7%
New Mexico $1,112 -$148 -11.7%
New York $1,324 $64 5.1%
North Carolina $724 -$536 -42.5%
North Dakota $1,030 -$230 -18.3%
Ohio $868 -$392 -31.1%
Oklahoma $1,290 $30 2.4%
Oregon $1,154 -$106 -8.4%
Pennsylvania $1,198 -$62 -4.9%
Rhode Island $1,678 $418 33.2%
South Carolina $1,142 -$118 -9.4%
South Dakota $1,060 -$200 -15.9%
Tennessee $1,100 -$160 -12.7%
Texas $1,516 $256 20.3%
Utah $930 -$330 -26.2%
Vermont $860 -$400 -31.7%
Virginia $752 -$508 -40.3%
Washington $970 -$290 -23.0%
West Virginia $1,154 -$106 -8.4%
Wisconsin $868 -$392 -31.1%
Wyoming $1,120 -$140 -11.1%

View Chart as Image

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

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Rates by Driver Age

Subaru Legacy 2.5I Insurance Rates by Driver Age
Driver Age Premium
16 $4,392
20 $2,788
30 $1,320
40 $1,260
50 $1,144
60 $1,120

Full coverage, $500 deductibles

Rates by Deductible

Subaru Legacy 2.5I Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,608
$250 $1,452
$500 $1,260
$1,000 $1,074

Full coverage, driver age 40

Rates by Liability Limit

Subaru Legacy 2.5I Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,260
50/100 $1,322
100/300 $1,400
250/500 $1,601
100 CSL $1,353
300 CSL $1,524
500 CSL $1,648

Full coverage, driver age 40

Rates for High Risk Drivers

Subaru Legacy 2.5I Insurance Rates for High Risk Drivers
Age Premium
16 $6,268
20 $4,408
30 $2,718
40 $2,648
50 $2,516
60 $2,488

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 $161

Potential Rate Discounts

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

Discount Savings
Multi-policy $67
Multi-vehicle $60
Homeowner $17
5-yr Accident Free $88
5-yr Claim Free $79
Paid in Full/EFT $56
Advance Quote $59
Online Quote $90
Total Discounts $516
Rate after discounts $744

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

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