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 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:

Comprehensive $166
Collision $152
Liability $376

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.

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

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.

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

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

View Chart as Image

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

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.

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

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 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.



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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