Subaru Legacy Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 1, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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 $1,350 a year including full coverage. Comprehensive costs approximately $370 each year, collision costs $506, and liability is $338. Liability-only insurance costs around $394 a year, with high-risk driver insurance costing around $2,872. Teen drivers pay the highest rates at $4,778 a year or more.
Average premium for full coverage: $1,350
Price estimates by individual coverage:
Full coverage includes $500 deductible amounts, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and Legacy models.
Price Range from Low to High
For the normal driver, Subaru Legacy insurance prices go from as low as $394 for your basic liability-only policy to a high rate of $2,872 for a policy for a high-risk driver.
Geographic Price Range
Choosing to live in a large city can have significant affects on car insurance prices. Rural locations have a lower frequency of comprehensive and collision claims than larger metro areas.
The graphic below illustrates how geographic area affects auto insurance prices.
The ranges above highlight why all drivers should compare rates quotes using their specific location and risk profile, instead of using price averages.
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.
More Rate Information
The chart below breaks down estimated Subaru Legacy insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $785
- Raising to $1,000 deductibles will save $200 every year
- The average rate for the average middle-age driver who chooses $500 deductibles is $1,350
- Choosing low deductibles will increase the cost to $1,730
- At-risk drivers with multiple violations and an at-fault accident could pay around $2,872 or more
- The price for full coverage for a teen driver can cost $4,778
Car insurance prices for a Subaru Legacy are also quite variable based on your driving record, the model of your Legacy, and physical damage deductibles and liability limits.
More mature drivers with no driving violations and high deductibles may pay as little as $1,300 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged in the ballpark of $4,700 a year. View Rates by Age
The state you live in also has a big influence on Subaru Legacy insurance prices. A middle-age driver might find prices as low as $1,040 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,930 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,220 | -$130 | -9.6% |
| Alaska | $1,036 | -$314 | -23.3% |
| Arizona | $1,120 | -$230 | -17.0% |
| Arkansas | $1,350 | -$0 | 0.0% |
| California | $1,538 | $188 | 13.9% |
| Colorado | $1,288 | -$62 | -4.6% |
| Connecticut | $1,386 | $36 | 2.7% |
| Delaware | $1,528 | $178 | 13.2% |
| Florida | $1,688 | $338 | 25.0% |
| Georgia | $1,248 | -$102 | -7.6% |
| Hawaii | $972 | -$378 | -28.0% |
| Idaho | $916 | -$434 | -32.1% |
| Illinois | $1,006 | -$344 | -25.5% |
| Indiana | $1,018 | -$332 | -24.6% |
| Iowa | $910 | -$440 | -32.6% |
| Kansas | $1,282 | -$68 | -5.0% |
| Kentucky | $1,842 | $492 | 36.4% |
| Louisiana | $1,998 | $648 | 48.0% |
| Maine | $834 | -$516 | -38.2% |
| Maryland | $1,114 | -$236 | -17.5% |
| Massachusetts | $1,078 | -$272 | -20.1% |
| Michigan | $2,344 | $994 | 73.6% |
| Minnesota | $1,132 | -$218 | -16.1% |
| Mississippi | $1,618 | $268 | 19.9% |
| Missouri | $1,198 | -$152 | -11.3% |
| Montana | $1,448 | $98 | 7.3% |
| Nebraska | $1,062 | -$288 | -21.3% |
| Nevada | $1,618 | $268 | 19.9% |
| New Hampshire | $974 | -$376 | -27.9% |
| New Jersey | $1,508 | $158 | 11.7% |
| New Mexico | $1,196 | -$154 | -11.4% |
| New York | $1,420 | $70 | 5.2% |
| North Carolina | $778 | -$572 | -42.4% |
| North Dakota | $1,106 | -$244 | -18.1% |
| Ohio | $930 | -$420 | -31.1% |
| Oklahoma | $1,384 | $34 | 2.5% |
| Oregon | $1,236 | -$114 | -8.4% |
| Pennsylvania | $1,288 | -$62 | -4.6% |
| Rhode Island | $1,800 | $450 | 33.3% |
| South Carolina | $1,224 | -$126 | -9.3% |
| South Dakota | $1,140 | -$210 | -15.6% |
| Tennessee | $1,182 | -$168 | -12.4% |
| Texas | $1,626 | $276 | 20.4% |
| Utah | $1,000 | -$350 | -25.9% |
| Vermont | $922 | -$428 | -31.7% |
| Virginia | $810 | -$540 | -40.0% |
| Washington | $1,044 | -$306 | -22.7% |
| West Virginia | $1,236 | -$114 | -8.4% |
| Wisconsin | $932 | -$418 | -31.0% |
| Wyoming | $1,202 | -$148 | -11.0% |
Choosing high deductibles can reduce prices by up to $580 every year, whereas increasing liability limits will push prices upward. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $304 extra every 12 months. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying anywhere from $1,500 to $2,100 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 44% to 125% more than average. View High Risk Driver Rates
Since prices can be so different, the best way to figure out who has the best auto insurance prices is to do a rate comparison and see which company has the best price. Every auto insurance company uses a different rate calculation, so rate quotes may be quite different 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 | $1,224 | $102 |
| Subaru Legacy 2.5I Premium | $1,266 | $106 |
| Subaru Legacy 2.5I Premium | $1,266 | $106 |
| Subaru Legacy 2.5I Limited | $1,350 | $113 |
| Subaru Legacy 3.6R | $1,350 | $113 |
| Subaru Legacy 3.6R Premium | $1,350 | $113 |
| Subaru Legacy 2.5 GT Limited | $1,422 | $119 |
| Subaru Legacy 2.5 GT Limited | $1,422 | $119 |
| Subaru Legacy 2.5 GT Limited | $1,422 | $119 |
| Subaru Legacy 2.5GT Premium | $1,392 | $116 |
| Subaru Legacy 3.6R Limited | $1,392 | $116 |
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 | $384 | $512 | $332 | $1,364 |
| 2023 Subaru Legacy | $370 | $506 | $338 | $1,350 |
| 2022 Subaru Legacy | $356 | $494 | $354 | $1,340 |
| 2021 Subaru Legacy | $344 | $474 | $364 | $1,318 |
| 2020 Subaru Legacy | $326 | $458 | $376 | $1,296 |
| 2019 Subaru Legacy | $312 | $424 | $384 | $1,256 |
| 2018 Subaru Legacy | $300 | $400 | $388 | $1,224 |
| 2017 Subaru Legacy | $288 | $358 | $390 | $1,172 |
| 2016 Subaru Legacy | $270 | $330 | $390 | $1,126 |
| 2015 Subaru Legacy | $260 | $310 | $394 | $1,100 |
| 2013 Subaru Legacy | $234 | $268 | $402 | $1,040 |
| 2012 Subaru Legacy | $228 | $244 | $406 | $1,014 |
| 2011 Subaru Legacy | $212 | $222 | $402 | $972 |
| 2010 Subaru Legacy | $200 | $202 | $402 | $940 |
| 2009 Subaru Legacy | $194 | $182 | $398 | $910 |
| 2008 Subaru Legacy | $190 | $178 | $390 | $894 |
| 2007 Subaru Legacy | $188 | $168 | $384 | $876 |
| 2006 Subaru Legacy | $172 | $160 | $380 | $848 |
| 2005 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 More Affordable Subaru Legacy Insurance
Getting lower rates on car insurance consists of having a good driving record, having above-average credit, being claim-free, and avoiding coverage lapses. Invest the time to compare rates every year by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.
The next list is a summary of the coverage data presented in the illustrations above.
- You may be able to save around $160 per year simply by quoting online in advance
- Increasing physical damage deductibles can save around $575 each year
- Drivers age 20 and younger pay the highest auto insurance prices, possibly costing $398 a month if full coverage is included
- Higher risk drivers who have multiple accidents or major violations could be forced to pay on average $1,520 more per year to buy Subaru Legacy 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.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
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 | $4,778 |
| 20 | $3,032 |
| 30 | $1,418 |
| 40 | $1,350 |
| 50 | $1,228 |
| 60 | $1,204 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,730 |
| $250 | $1,556 |
| $500 | $1,350 |
| $1,000 | $1,150 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,350 |
| 50/100 | $1,460 |
| 100/300 | $1,544 |
| 250/500 | $1,764 |
| 100 CSL | $1,493 |
| 300 CSL | $1,679 |
| 500 CSL | $1,815 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,830 |
| 20 | $4,806 |
| 30 | $2,946 |
| 40 | $2,872 |
| 50 | $2,730 |
| 60 | $2,704 |
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 | $73 |
| Multi-vehicle | $66 |
| Homeowner | $19 |
| 5-yr Accident Free | $97 |
| 5-yr Claim Free | $86 |
| Paid in Full/EFT | $62 |
| Advance Quote | $65 |
| Online Quote | $97 |
| Total Discounts | $565 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
