Subaru Legacy 3.6R Premium Insurance Rates
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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:
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.
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.
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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.
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.
| 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% |
Rate Tables and Charts
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Choose a different trim level below
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
| Deductible | Premium |
|---|---|
| $100 | $1,808 |
| $250 | $1,620 |
| $500 | $1,396 |
| $1,000 | $1,180 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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