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Subaru Legacy 3.6R Limited Insurance Rates

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The average insurance prices for a Subaru Legacy 3.6R Limited are $1,442 every 12 months for full coverage insurance. Comprehensive costs approximately $424 each year, collision costs $572, and liability coverage costs around $310. Buying just liability costs as low as $370 a year, with insurance for high-risk drivers costing around $3,050. Teen drivers cost the most to insure at $4,970 a year or more.

Annual premium for full coverage: $1,442

Policy rates by individual 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 40-year-old driver, Subaru Legacy 3.6R Limited insurance rates go from the cheapest price of $370 for a discount liability-only rate to a high rate of $3,050 for high-risk insurance.

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

Urban vs. Rural Price Range

Where you live has a large influence on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than larger metro areas.

The graphic below illustrates how your location can change auto insurance prices.

Rural Areas $1,082
Small Cities $1,514
Large Cities $1,947

These price differences illustrate why all drivers should compare prices using their specific location 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 rates for a Subaru Legacy 3.6R Limited also range considerably based on liability limits and deductibles, your risk profile, and the replacement cost of your Legacy.

Choosing high deductibles could cut rates by as much as $660 a year, whereas increasing liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $279 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay in the ballpark of $4,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying anywhere from $1,600 to $2,200 extra every year, depending on your age. Insurance for high-risk drivers can be around 44% to 125% more than average. View High Risk Driver Rates

Your home state has a huge impact on Subaru Legacy 3.6R Limited insurance rates. A driver around age 40 might see rates 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.

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to do a rate comparison and see how they stack up. Each insurance company uses a different rate calculation, so the rates will be varied.

View Chart as Image

Subaru Legacy 3.6R Limited insurance cost comparison chart
Column chart showing Subaru Legacy 3.6R Limited insurance prices range from $836 to $4,970 for full coverage

The chart estimates Subaru Legacy 3.6R Limited insurance rates for different coverage choices and risks. The cheapest rate with discounts is $836. Drivers who choose higher $1,000 deductibles will pay $1,214. The average rate for a middle-aged driver with a clean driving record using $500 deductibles is $1,442. Using lower $100 deductibles for physical damage coverage could cost up to $1,872. High risk drivers could be charged around $3,050. The policy rate for full coverage insurance for a teenager can be as high as $4,970.

Subaru Legacy 3.6R Limited 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 3.6R Limited insurance rates by U.S. city

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Rates by Driver Age

Subaru Legacy 3.6R Limited 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 3.6R Limited 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 3.6R Limited 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 3.6R Limited 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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