Subaru Legacy Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 1, 2023

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Subaru Legacy insurance
Finding cheap Subaru Legacy insurance costs doesn’t have to be confusing. Subaru Legacy insurance rates cost an average of $1,388 a year, or $115 a month. Learn what you can do to save on Subaru Legacy costs in our guide.

To jump right into finding Subaru Legacy GT insurance rates (or rates for any Subaru Legacy build), enter your ZIP code in our free tool above.

The average insurance rates for a Subaru Legacy are $830 a year with full coverage. Comprehensive insurance costs on average $166, collision insurance costs $152, and liability coverage costs $376. Liability-only coverage costs as little as $426 a year, and high-risk coverage costs $1,756 or more. Teenage drivers cost the most to insure at up to $3,262 a year.

Average premium for full coverage: $830

Policy rates by type of insurance:

Comprehensive $166
Collision $152
Liability $376

Estimates include $500 policy deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and for different Legacy trim levels.

Price Range Variability

For the average 40-year-old driver, Subaru Legacy insurance rates range from as low as $426 for basic liability insurance to a much higher rate of $1,756 for high-risk insurance.

Liability Only $426
Full Coverage $830
High Risk $1,756

Urban vs. Rural Price Range

Your location has a large influence on auto insurance rates. Rural areas are shown to have a lower frequency of collision claims than densely populated cities. The price range example below illustrates the difference location can make on car insurance rates.

Rural Areas $623
Small Cities $872
Large Cities $1,121

The examples above demonstrate why anyone shopping for car insurance should compare rates based on a specific location and risk profile, rather than using average rates.

Use the form below to get customized rates for your location.

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

Rate Comparisons

The chart below details average Subaru Legacy insurance rates for different risk profiles and scenarios.

  • The best discount rate is $516
  • Drivers who choose higher $1,000 deductibles will pay around $74 annually
  • The average rate for a good driver age 40 with $500 deductibles is $830
  • Using more expensive low deductibles for comprehensive and collision insurance will cost an extra $136 each year
  • High-risk insureds who are prone to accidents and violations could pay upwards of $1,756
  • Policy cost for full coverage for a teenage driver with full coverage may cost $3,262 a year

View Chart as Image

Subaru Legacy insurance cost comparison chart
Column chart showing Subaru Legacy insurance prices range from $516 to $3,262 for full coverage

Insurance rates for a Subaru Legacy also range considerably based on your risk profile, the trim level and model year, and policy deductibles and limits.

An older driver with no violations or accidents and high deductibles may only pay around $800 per year on average, or $67 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay upwards of $3,200 a year. View Rates by Age

Your home state makes a big difference in Subaru Legacy insurance rates. A 40-year-old driver could pay as low as $600 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,120 on average in Florida, Michigan, and New York.

Subaru Legacy Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $750 -$80 -9.6%
Alaska $636 -$194 -23.4%
Arizona $688 -$142 -17.1%
Arkansas $830 -$0 0.0%
California $946 $116 14.0%
Colorado $792 -$38 -4.6%
Connecticut $850 $20 2.4%
Delaware $938 $108 13.0%
Florida $1,036 $206 24.8%
Georgia $768 -$62 -7.5%
Hawaii $598 -$232 -28.0%
Idaho $562 -$268 -32.3%
Illinois $618 -$212 -25.5%
Indiana $626 -$204 -24.6%
Iowa $558 -$272 -32.8%
Kansas $788 -$42 -5.1%
Kentucky $1,130 $300 36.1%
Louisiana $1,228 $398 48.0%
Maine $512 -$318 -38.3%
Maryland $684 -$146 -17.6%
Massachusetts $660 -$170 -20.5%
Michigan $1,440 $610 73.5%
Minnesota $694 -$136 -16.4%
Mississippi $992 $162 19.5%
Missouri $738 -$92 -11.1%
Montana $890 $60 7.2%
Nebraska $652 -$178 -21.4%
Nevada $992 $162 19.5%
New Hampshire $600 -$230 -27.7%
New Jersey $928 $98 11.8%
New Mexico $734 -$96 -11.6%
New York $872 $42 5.1%
North Carolina $478 -$352 -42.4%
North Dakota $680 -$150 -18.1%
Ohio $572 -$258 -31.1%
Oklahoma $850 $20 2.4%
Oregon $760 -$70 -8.4%
Pennsylvania $790 -$40 -4.8%
Rhode Island $1,108 $278 33.5%
South Carolina $752 -$78 -9.4%
South Dakota $700 -$130 -15.7%
Tennessee $728 -$102 -12.3%
Texas $1,000 $170 20.5%
Utah $612 -$218 -26.3%
Vermont $566 -$264 -31.8%
Virginia $498 -$332 -40.0%
Washington $640 -$190 -22.9%
West Virginia $760 -$70 -8.4%
Wisconsin $572 -$258 -31.1%
Wyoming $738 -$92 -11.1%

View Chart as Image

Subaru Legacy insurance rates by U.S. city

Using high physical damage deductibles could save up to $210 a year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $339 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at a minimum $1,000 to $1,400 additional every year, depending on your age. High-risk driver insurance can cost around 43% to 134% more than a normal policy. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

Subaru Legacy Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Subaru Legacy 2.5I $788 $66
Subaru Legacy 2.5I Premium $800 $67
Subaru Legacy 2.5I Premium $800 $67
Subaru Legacy 2.5I Limited $830 $69
Subaru Legacy 3.6R $830 $69
Subaru Legacy 3.6R Premium $830 $69
Subaru Legacy 2.5 GT Limited $854 $71
Subaru Legacy 2.5 GT Limited $854 $71
Subaru Legacy 2.5 GT Limited $854 $71
Subaru Legacy 2.5GT Premium $846 $71
Subaru Legacy 3.6R Limited $846 $71

Rates assume 1996 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Subaru Legacy Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2015 Subaru Legacy $288 $358 $390 $1,172
2011 Subaru Legacy $234 $268 $402 $1,040
2010 Subaru Legacy $228 $244 $406 $1,014
2009 Subaru Legacy $212 $222 $402 $972
2008 Subaru Legacy $200 $202 $402 $940
2007 Subaru Legacy $194 $182 $398 $910
2006 Subaru Legacy $190 $178 $390 $894
2005 Subaru Legacy $188 $168 $384 $876
2003 Subaru Legacy $166 $152 $376 $830

Rates are averaged for all Subaru Legacy models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find Low Cost Subaru Legacy Insurance

Finding cheaper rates on auto insurance not only requires being safe and accident-free, but also having a good credit history, not filing small claims, and dropping full coverage on older vehicles. Make time to compare rates every couple of years by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local insurance agents.

Below you'll find a review of the material that was touched on in this article.

  • Consumers who require more liability protection will pay an extra $410 every year to go from a 30/60 limit to 250/500 limits
  • Youthful drivers pay higher rates, as much as $272 each month including comprehensive and collision insurance
  • Drivers who have several accidents or serious violations may be required to pay an average of $930 more each year than a low-risk driver
  • Increasing comprehensive and collision deductibles can save around $200 each year

The best way to save on rates is to shop around for a Legacy insurance policy, whether you are looking for Legacy auto insurance in Colorado or Legacy Arizona auto insurance. To find the best prices for anything from Legacy insurance in Phoenix to 2014 Subaru Legacy costs, enter your ZIP code in our free tool below.

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What are the safety ratings of the Subaru Legacy?

The Subaru Legacy has some great safety features that can earn you a discount, such as essential airbags, brake assist, electronic stability control, lane departure warning, and lane-keeping assist.

In addition, the Insurance Institute for Highway Safety (IIHS) gave the 2020 Subaru Legacy a 2020 Top Safety Pick award for its great crash test ratings (below).

  • Small overlap front (driver-side): Good
  • Small overlap front (passenger-side): Good
  • Moderate overlap front: Good
  • Side: Good
  • Roof strength: Good
  • Head restraints and seats: Good

The video below demonstrates one of the IIHS tests performed on the Subaru Legacy.

Subaru Legacy Compared Against Other Vehicles in the Same Class

The Subaru Legacy is a midsize car, which can affect its liability rates. The IIHS recorded the Subaru Legacy’s liability losses as average and substantially better than average, which is great. Take a look at the other midsize cars below to see how their insurance rates compare to the Subaru Legacy’s rates.

To start comparison shopping for Subaru Legacy insurance rates, enter your ZIP code in our free tool.



Rates by Driver Age

Subaru Legacy Insurance Rates by Driver Age
Driver Age Premium
16 $3,262
20 $1,856
30 $846
40 $830
50 $760
60 $744

Full coverage, $500 deductibles

Rates by Deductible

Subaru Legacy Insurance Rates with Different Deductibles
Deductible Premium
$100 $966
$250 $906
$500 $830
$1,000 $756

Full coverage, driver age 40

Rates by Liability Limit

Subaru Legacy Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $830
50/100 $921
100/300 $1,015
250/500 $1,260
100 CSL $959
300 CSL $1,166
500 CSL $1,316

Full coverage, driver age 40

Rates for High Risk Drivers

Subaru Legacy Insurance Rates for High Risk Drivers
Age Premium
16 $4,584
20 $2,942
30 $1,772
40 $1,756
50 $1,676
60 $1,656

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 $105

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $42
Multi-vehicle $42
Homeowner $14
5-yr Accident Free $47
5-yr Claim Free $51
Paid in Full/EFT $28
Advance Quote $34
Online Quote $56
Total Discounts $314
Rate after discounts $516

Discounts are estimated and may not be available from every company or in every state.

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