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.
The average insurance rates for a Subaru Legacy are $1,364 a year for full coverage insurance. Comprehensive insurance costs approximately $384 a year, collision costs $512, and liability coverage costs around $332. Liability-only coverage costs as low as $388 a year, with high-risk coverage costing $2,890 or more. Teenage drivers cost the most to insure at $4,782 a year or more.
Average premium for full coverage: $1,364
Policy rates by type of insurance:
Prices include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and Legacy trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Subaru Legacy insurance rates go from as low as $388 for minimum levels of liability insurance to a high of $2,890 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Where you live has a large influence on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than densely populated cities.
The diagram below illustrates how rural and urban location affects auto insurance prices.
The examples above illustrate why it is important to compare prices using their 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.
Additional Rate Details
The chart below illustrates estimated 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 each year
- The average rate for a good driver age 40 who chooses $500 deductibles is $1,364
- Using low $100 deductibles for physical damage coverage will cost an extra $388 each year
- Higher-risk drivers who are prone to accidents and violations could pay around $2,890 or more
- Policy cost for full coverage for a teenage driver can cost $4,782 or more
Insurance rates for a Subaru Legacy also range considerably based on your risk profile, the model year and trim level, and physical damage deductibles and liability limits.
Older drivers with no violations or accidents and high deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay in the ballpark of $4,700 a year. View Rates by Age
Your home state has a huge impact on Subaru Legacy insurance rates. A driver around age 40 might see rates as low as $890 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,840 on average in Florida, New York, 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 rates by as much as $600 a year, while buying higher liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $299 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 are probably paying anywhere from $1,600 to $2,100 additional every year, depending on your age. A high-risk auto insurance policy can be around 44% to 132% more than a normal policy. View High Risk Driver Rates
Because rates have so much variability, the only way to figure out who has the best car insurance rates is to get quotes and see how they stack up. Each insurance company uses a different method to calculate rates, and rates will be varied from one company to the next.
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 the Right Subaru Legacy Insurance
Finding cheaper rates on auto insurance requires being a low-risk driver, having a good credit history, being claim-free, and qualifying for all possible discounts. Set aside time to shop around at least once a year by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The items below are a quick rundown of the primary concepts that were raised in the charts and tables above.
- It is possible to save around $160 per year simply by quoting early and online
- Drivers with reckless driving or DUI convictions may pay on average $1,530 more per year to insure their Legacy
- Increasing comprehensive and collision deductibles can save around $600 each year
- Teen drivers are the costliest to insure, possibly costing $399 each month including comprehensive and collision insurance
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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