1. Vehicles
  2. Subaru
  3. Legacy
  4. 3.6R Premium

Subaru Legacy 3.6R Premium Insurance Rates

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

U.S. average insurance prices for a Subaru Legacy 3.6R Premium are $1,396 every 12 months for full coverage insurance. Comprehensive insurance costs around $410, collision costs $540, and liability coverage costs $310. Buying just liability costs as little as $370 a year, with insurance for high-risk drivers costing $2,950 or more. Teen drivers pay the highest rates at $4,826 a year or more.

Annual premium for full coverage: $1,396

Price estimates for type of insurance:

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 a 40-year-old driver, Subaru Legacy 3.6R Premium insurance prices go from the cheapest price of $370 for just liability coverage to a much higher rate of $2,950 for high-risk insurance.

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

These price ranges illustrate why anyone shopping for car insurance should compare rates for a specific zip code 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.

Recommended Companies for Cheap Subaru Legacy 3.6R Premium Insurance

Searching Companies

Insurance prices for a Subaru Legacy 3.6R Premium are also quite variable based on deductibles and policy limits, your risk profile, and the actual cash value of your Legacy.

Choosing high deductibles could save up to $630 a year, while increasing your policy's liability limits will increase rates. Switching 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

An older driver with no violations or accidents and higher deductibles may only pay around $1,300 per year on average for full coverage. Rates are highest for teenage drivers, since even excellent drivers should be prepared to pay as much as $4,800 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying at least $1,600 to $2,100 additional each year, depending on your age. High-risk driver insurance can cost around 44% to 129% more than average. View High Risk Driver Rates

The state you live in makes a big difference in Subaru Legacy 3.6R Premium insurance rates. A 40-year-old driver could pay as low as $1,180 a year in states like North Carolina, , and , or as much as $1,800 on average in Michigan, Montana, and California. Rates by state and city are shown later in the article.

Since rates can be so different, the only way to figure out your exact price is to compare rates 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 3.6R Premium insurance cost comparison chart
Column chart showing Subaru Legacy 3.6R Premium insurance prices range from $811 to $4,826 for full coverage

The chart estimates Subaru Legacy 3.6R Premium insurance rates for different coverage choices and risks. The cheapest rate with discounts is $811. Drivers who choose higher $1,000 deductibles will pay $1,180. The average rate for a driver age 40 with no violations using $500 deductibles is $1,396. Using more expensive $100 deductibles for physical damage coverage can cost as much as $1,808. High risk drivers could be charged at least $2,950. The price for full coverage for a 16-year-old driver is $4,826.

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

Not your model?

Choose a different trim level below

Rates by Driver Age

Subaru Legacy 3.6R Premium 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 3.6R Premium 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 3.6R Premium 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 3.6R Premium 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