Subaru Legacy 3.6R Limited Insurance Rates

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:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Subaru Legacy Trim Level

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.

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.

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

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.

View Chart as Image