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 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:
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.
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.
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
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.
| 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% |
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
| 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 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.
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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