Subaru Legacy Insurance Rates
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UPDATED: Jun 4, 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.
U.S. average insurance prices for a Subaru Legacy are $830 every 12 months for full coverage insurance. Comprehensive costs on average $166, collision insurance costs $152, and liability costs $376. Liability-only insurance costs as little as $426 a year, and high-risk driver insurance costs around $1,756. 16-year-old drivers pay the highest rates at up to $3,262 a year.
Average premium for full coverage: $830
Price estimates by individual coverage:
Includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and for different Legacy trim levels.
Price Range from Low to High
For the average driver, Subaru Legacy insurance prices range from the cheapest price of $426 for just liability insurance to a much higher rate of $1,756 for a driver required to buy high-risk insurance.
Geographic Price Range
Your location can make a big difference on insurance rates. Rural areas have more infrequent physical damage claims than congested cities. The price range example below illustrates how location impacts car insurance rates.
The ranges above illustrate why anyone shopping for car insurance should compare rates based on a specific location and their own driving history, instead of making a decision based on rate 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 Details
The chart below illustrates average Subaru Legacy insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $516
- Drivers who choose higher $1,000 deductibles will pay around $74 each year
- The average price for the average middle-age driver with $500 deductibles is $830
- Buying more expensive low deductibles for comprehensive and collision insurance increases the price to $966
- Drivers with multiple tickets or accidents could pay upwards of $1,756
- The price to insure a 16-year-old driver with full coverage may cost $3,262 a year
Car insurance prices for a Subaru Legacy are also quite variable based on deductibles and policy limits, your risk profile, and the trim level of your Legacy.
Opting for high physical damage deductibles could save up to $210 annually, while increasing your policy's liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $339 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles may pay as low as $800 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged upwards of $3,200 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying at a minimum $1,000 to $1,400 extra each year, depending on your age. High-risk driver insurance can cost from 43% to 134% more than the average rate. View High Risk Driver Rates
The state you live in makes a big difference in Subaru Legacy insurance prices. A 40-year-old driver could pay as low as $540 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,120 on average in Michigan, New York, and Florida.
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% |
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 | $270 | $330 | $390 | $1,126 |
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 Shop for the Cheapest Subaru Legacy Insurance
Getting lower rates on insurance for a Subaru Legacy not only requires avoiding accidents and violations, but also maintaining a good credit score, not filing small claims, and possibly raising deductibles. Spend time shopping around at every policy renewal by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The list below is a recap of the data touched on above.
- Insureds who require higher liability limits will pay around $410 annually to go from a low limit to a 250/500 level
- It is possible to save as much as $90 per year just by shopping early and online
- Increasing physical damage deductibles could save as much as $200 each year
- Teenagers are expensive to insure, as much as $272 a month if the policy includes full coverage
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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