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Subaru Legacy 3.6R Insurance Rates

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Estimated insurance prices for a Subaru Legacy 3.6R are $1,396 every 12 months for full coverage insurance. Comprehensive costs an estimated $410, collision insurance costs $540, and liability costs $310. Liability-only insurance costs as little as $370 a year, and high-risk driver insurance costs around $2,950. Teen drivers pay the most at up to $4,826 a year.

Annual premium for full coverage: $1,396

Premium estimates broken down by type of coverage:

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 an average driver, insurance rates for a Subaru Legacy 3.6R range from the cheapest price of $370 for your basic liability-only policy to the much higher price of $2,950 for a driver required to buy high-risk insurance.

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

Insurance Price Range by Location

Your location can make a big difference on the price of insurance. More rural locations are statistically proven to have more infrequent physical damage claims than larger metro areas. The example below illustrates the effect of geographic area on insurance prices.

Rural Areas $1,047
Small Cities $1,466
Large Cities $1,885

These rate differences illustrate why everyone should compare rates for a targeted area and their own driving history, instead of making a decision based on 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 3.6R also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model year.

Choosing high deductibles could save up to $630 annually, whereas buying more liability protection will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $279 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for drivers in their teens, since even excellent drivers should be prepared to pay at least $4,800 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying $1,600 to $2,100 additional annually, depending on your age. Subaru Legacy 3.6R insurance for high-risk drivers can cost from 44% to 129% more than average. View High Risk Driver Rates

Where you choose to live makes a big difference in Subaru Legacy 3.6R insurance prices. A 40-year-old driver could pay 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 rates, the only way to figure out who has the best car insurance rates is to regularly compare rates from multiple companies. Every company uses a different rate calculation, and rates will be substantially different.

View Chart as Image

Subaru Legacy 3.6R insurance cost comparison chart
Column chart showing Subaru Legacy 3.6R insurance prices range from $811 to $4,826 for full coverage

The chart estimates Subaru Legacy 3.6R insurance rates for various coverage choices and risks. The cheapest discount rate is $811. Drivers who choose higher $1,000 deductibles will pay $1,180. The average rate for a driver around age 40 using $500 deductibles is $1,396. Selecting more expensive $100 deductibles for physical damage coverage can cost as much as $1,808. High risk drivers could be charged up to $2,950. The rate for full coverage insurance for a teenage driver is $4,826.

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

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Rates by Driver Age

Subaru Legacy 3.6R 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 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 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 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.

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