Subaru Legacy Insurance Rates
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UPDATED: Apr 22, 2024
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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.
U.S. average insurance rates for a Subaru Legacy are $1,364 a year for full coverage. Comprehensive insurance costs approximately $384 a year, collision insurance costs $512, and liability insurance costs around $332. Liability-only insurance costs as low as $388 a year, and high-risk driver insurance costs $2,890 or more. Teenage drivers pay the highest rates at up to $4,782 a year.
Average premium for full coverage: $1,364
Price estimates by individual coverage:
Price estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all states and Legacy trim levels.
Price Range from Low to High
Using a middle-aged driver as an example, Subaru Legacy insurance prices range from the low end price of $388 for a discount liability-only rate to a high of $2,890 for a driver who requires high-risk insurance.
Geographic Price Range
Where you live has a significant impact on car insurance rates. Rural locations have lower incidents of accident claims than densely populated cities. The diagram below illustrates how where you live affects auto insurance prices.
The ranges above show why it is important to compare prices using their specific location, rather than relying on 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.
Rates by State, City, and Model
The chart below shows average Subaru Legacy insurance rates for additional coverage and risk scenarios.
- The best discount rate is $795
- Using higher $1,000 deductibles will save $1,158 a year
- The estimated price for the average middle-age driver who chooses $500 deductibles is $1,364
- Using low $100 deductibles for physical damage coverage will cost an additional $388 a year
- Drivers who are prone to accidents and violations could pay around $2,890
- The price that insures a teen driver can cost $4,782 or more
Car insurance prices for a Subaru Legacy are also quite variable based on the trim level of your Legacy, how you drive, and physical damage deductibles and liability limits.
If you have some driving violations or you caused an accident, you could be paying anywhere from $1,600 to $2,100 extra each year, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 132% more than a normal policy. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,300 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged in the ballpark of $4,700 a year. View Rates by Age
The state you live in has a huge impact on Subaru Legacy insurance rates. A driver around age 40 might see prices as low as $900 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,940 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,232 | -$132 | -9.7% |
| Alaska | $1,046 | -$318 | -23.3% |
| Arizona | $1,130 | -$234 | -17.2% |
| Arkansas | $1,364 | -$0 | 0.0% |
| California | $1,552 | $188 | 13.8% |
| Colorado | $1,300 | -$64 | -4.7% |
| Connecticut | $1,400 | $36 | 2.6% |
| Delaware | $1,540 | $176 | 12.9% |
| Florida | $1,702 | $338 | 24.8% |
| Georgia | $1,260 | -$104 | -7.6% |
| Hawaii | $978 | -$386 | -28.3% |
| Idaho | $922 | -$442 | -32.4% |
| Illinois | $1,012 | -$352 | -25.8% |
| Indiana | $1,028 | -$336 | -24.6% |
| Iowa | $920 | -$444 | -32.6% |
| Kansas | $1,294 | -$70 | -5.1% |
| Kentucky | $1,860 | $496 | 36.4% |
| Louisiana | $2,016 | $652 | 47.8% |
| Maine | $842 | -$522 | -38.3% |
| Maryland | $1,126 | -$238 | -17.4% |
| Massachusetts | $1,086 | -$278 | -20.4% |
| Michigan | $2,366 | $1,002 | 73.5% |
| Minnesota | $1,142 | -$222 | -16.3% |
| Mississippi | $1,632 | $268 | 19.6% |
| Missouri | $1,210 | -$154 | -11.3% |
| Montana | $1,464 | $100 | 7.3% |
| Nebraska | $1,074 | -$290 | -21.3% |
| Nevada | $1,634 | $270 | 19.8% |
| New Hampshire | $982 | -$382 | -28.0% |
| New Jersey | $1,524 | $160 | 11.7% |
| New Mexico | $1,204 | -$160 | -11.7% |
| New York | $1,434 | $70 | 5.1% |
| North Carolina | $784 | -$580 | -42.5% |
| North Dakota | $1,118 | -$246 | -18.0% |
| Ohio | $938 | -$426 | -31.2% |
| Oklahoma | $1,398 | $34 | 2.5% |
| Oregon | $1,248 | -$116 | -8.5% |
| Pennsylvania | $1,300 | -$64 | -4.7% |
| Rhode Island | $1,818 | $454 | 33.3% |
| South Carolina | $1,234 | -$130 | -9.5% |
| South Dakota | $1,150 | -$214 | -15.7% |
| Tennessee | $1,192 | -$172 | -12.6% |
| Texas | $1,644 | $280 | 20.5% |
| Utah | $1,008 | -$356 | -26.1% |
| Vermont | $932 | -$432 | -31.7% |
| Virginia | $814 | -$550 | -40.3% |
| Washington | $1,052 | -$312 | -22.9% |
| West Virginia | $1,250 | -$114 | -8.4% |
| Wisconsin | $942 | -$422 | -30.9% |
| Wyoming | $1,214 | -$150 | -11.0% |
Using high physical damage deductibles could cut prices by as much as $600 each year, while buying higher liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $299 extra every 12 months. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Subaru Legacy 2.5I | $1,236 | $103 |
| Subaru Legacy 2.5I Premium | $1,278 | $107 |
| Subaru Legacy 2.5I Premium | $1,278 | $107 |
| Subaru Legacy 2.5I Limited | $1,364 | $114 |
| Subaru Legacy 3.6R | $1,364 | $114 |
| Subaru Legacy 3.6R Premium | $1,364 | $114 |
| Subaru Legacy 2.5 GT Limited | $1,436 | $120 |
| Subaru Legacy 2.5 GT Limited | $1,436 | $120 |
| Subaru Legacy 2.5 GT Limited | $1,436 | $120 |
| Subaru Legacy 2.5GT Premium | $1,408 | $117 |
| Subaru Legacy 3.6R Limited | $1,408 | $117 |
Rates assume 2023 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 |
|---|---|---|---|---|
| 2024 Subaru Legacy | $404 | $532 | $316 | $1,388 |
| 2023 Subaru Legacy | $384 | $512 | $332 | $1,364 |
| 2022 Subaru Legacy | $370 | $506 | $338 | $1,350 |
| 2021 Subaru Legacy | $356 | $494 | $354 | $1,340 |
| 2020 Subaru Legacy | $344 | $474 | $364 | $1,318 |
| 2019 Subaru Legacy | $326 | $458 | $376 | $1,296 |
| 2018 Subaru Legacy | $312 | $424 | $384 | $1,256 |
| 2017 Subaru Legacy | $300 | $400 | $388 | $1,224 |
| 2016 Subaru Legacy | $288 | $358 | $390 | $1,172 |
| 2015 Subaru Legacy | $270 | $330 | $390 | $1,126 |
| 2014 Subaru Legacy | $260 | $310 | $394 | $1,100 |
| 2013 Subaru Legacy | $254 | $288 | $402 | $1,080 |
| 2012 Subaru Legacy | $234 | $268 | $402 | $1,040 |
| 2011 Subaru Legacy | $228 | $244 | $406 | $1,014 |
| 2010 Subaru Legacy | $212 | $222 | $402 | $972 |
| 2009 Subaru Legacy | $200 | $202 | $402 | $940 |
| 2008 Subaru Legacy | $194 | $182 | $398 | $910 |
| 2007 Subaru Legacy | $190 | $178 | $390 | $894 |
| 2006 Subaru Legacy | $188 | $168 | $384 | $876 |
| 2005 Subaru Legacy | $172 | $160 | $380 | $848 |
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 Cheaper Subaru Legacy Insurance
Getting lower rates on Subaru Legacy insurance requires having a good driving record, having a positive credit history, eliminating unnecessary coverage, and attention to physical damage deductibles. Compare prices at every other renewal by requesting quotes from direct carriers, and also from insurance agencies where you live.
The next list is a condensed summary of the concepts that were touched on in the above illustrations.
- High-risk drivers with multiple at-fault accidents could be forced to pay on average $1,530 more per year to buy Subaru Legacy insurance
- Drivers age 20 and younger pay the highest auto insurance prices, with premiums as much as $399 a month if full coverage is purchased
- Drivers can save around $160 per year just by quoting early and online
- Increasing physical damage deductibles can save approximately $600 each year
- Drivers can save around $160 per year just by quoting early and online
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 | $4,782 |
| 20 | $3,044 |
| 30 | $1,434 |
| 40 | $1,364 |
| 50 | $1,238 |
| 60 | $1,214 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,752 |
| $250 | $1,576 |
| $500 | $1,364 |
| $1,000 | $1,158 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,364 |
| 50/100 | $1,474 |
| 100/300 | $1,557 |
| 250/500 | $1,773 |
| 100 CSL | $1,508 |
| 300 CSL | $1,690 |
| 500 CSL | $1,823 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,840 |
| 20 | $4,828 |
| 30 | $2,968 |
| 40 | $2,890 |
| 50 | $2,746 |
| 60 | $2,718 |
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 | $74 |
| Multi-vehicle | $66 |
| Homeowner | $19 |
| 5-yr Accident Free | $98 |
| 5-yr Claim Free | $87 |
| Paid in Full/EFT | $62 |
| Advance Quote | $65 |
| Online Quote | $98 |
| Total Discounts | $569 |
Discounts are estimated and may not be available from every company or in every state.
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