Subaru Legacy Insurance Rates
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UPDATED: Jun 1, 2023
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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 auto insurance rates for a Subaru Legacy are $830 annually for full coverage. Comprehensive costs around $166 a year, collision insurance costs $152, and liability insurance costs around $376. Buying just liability costs as low as $426 a year, and insurance for high-risk drivers costs around $1,756. Teens cost the most to insure at up to $3,262 a year.
Average premium for full coverage: $830
Policy rates for type of insurance:
Prices are based on $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all states and Legacy trim levels.
Price Range Variability
For the average driver, Subaru Legacy insurance rates range from as cheap as $426 for basic liability insurance to a high of $1,756 for a high-risk driver policy.
Urban vs. Rural Price Range
Where you live has a significant impact on auto insurance rates. Areas with sparse population are shown to have fewer accident claims than cities with more traffic congestion. The diagram below illustrates how location impacts auto insurance rates.
The examples above show why it is important to compare prices for a specific zip code and their own personal driving habits, rather than relying on averaged prices.
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 shows average Subaru Legacy insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $516
- Using higher $1,000 deductibles will save about $756 a year
- The estimated rate for a good driver age 40 using $500 deductibles is $830
- Selecting low $100 deductibles for physical damage coverage will cost $966
- Drivers with serious driving violations could pay at least $1,756
- Policy cost with full coverage for a teen driver can be $3,262 or more
Insurance rates for a Subaru Legacy also range considerably based on the model year and trim level, your driver profile, and deductibles and policy limits.
Older drivers with a clean driving record and high physical damage deductibles could pay as little as $800 a year, or $67 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay as much as $3,200 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you could be paying at least $1,000 to $1,400 extra every year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 134% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $210 each year, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $339 more per year. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Subaru Legacy insurance rates. A driver around age 40 might see rates as low as $550 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,180 on average in Michigan, Louisiana, and New York.
| 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% |
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Buy Affordable Subaru Legacy Insurance
Finding cheaper rates on Subaru Legacy insurance requires being a low-risk driver, having a good credit history, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Spend time shopping around every time your policy renews by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The items below are a brief review of the information touched on above.
- Drivers can save up to $90 per year just by quoting early and online
- Teen drivers pay higher rates, costing up to $272 each month including comprehensive and collision insurance
- Increasing comprehensive and collision deductibles could save up to $200 each year
- High-risk drivers with DUI or reckless driving convictions pay an average of $930 more every year to insure their Legacy
- Drivers who may need more liability coverage will pay approximately $410 each year to increase from a 30/60 limit to higher 250/500 limits
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.
References
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $966 |
| $250 | $906 |
| $500 | $830 |
| $1,000 | $756 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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