Subaru Legacy Insurance Rates
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Michelle Robbins
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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 $1,340 a year with full coverage. Comprehensive costs on average $356, collision costs $494, and liability is estimated at $354. A liability-only policy costs approximately $406 a year, with high-risk insurance costing around $2,858. 16-year-old drivers cost the most to insure at $4,780 a year or more.
Average premium for full coverage: $1,340
Policy rates by type of insurance:
Prices are based on $500 deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist 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 go from as low as $406 for just the minimum liability insurance to a much higher rate of $2,858 for a high-risk insurance policy.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on auto insurance rates. Rural areas are shown to have a lower frequency of collision claims than congested 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 get quotes based on a specific location and risk profile, instead of using 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.
Additional Rate Analysis
The chart below details estimated Subaru Legacy insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $780
- Choosing higher $1,000 deductibles can save around $192 annually
- The average rate for a good driver age 40 with $500 deductibles is $1,340
- Buying more expensive low deductibles for comp and collision coverage will increase the cost to $1,710
- Unlucky drivers with multiple tickets or accidents could pay upwards of $2,858 or more
- Policy cost for full coverage for a teen driver with full coverage may cost $4,780 each year
Car 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 driving violations and high deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged upwards of $4,700 a year. View Rates by Age
Your home state plays a big part in determining prices for Subaru Legacy insurance prices. A good driver about age 40 could pay as low as $970 a year in states like New Hampshire, Ohio, and Utah, or at least $1,810 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,210 | -$130 | -9.7% |
| Alaska | $1,030 | -$310 | -23.1% |
| Arizona | $1,112 | -$228 | -17.0% |
| Arkansas | $1,340 | -$0 | 0.0% |
| California | $1,528 | $188 | 14.0% |
| Colorado | $1,278 | -$62 | -4.6% |
| Connecticut | $1,376 | $36 | 2.7% |
| Delaware | $1,516 | $176 | 13.1% |
| Florida | $1,674 | $334 | 24.9% |
| Georgia | $1,238 | -$102 | -7.6% |
| Hawaii | $964 | -$376 | -28.1% |
| Idaho | $910 | -$430 | -32.1% |
| Illinois | $998 | -$342 | -25.5% |
| Indiana | $1,010 | -$330 | -24.6% |
| Iowa | $902 | -$438 | -32.7% |
| Kansas | $1,272 | -$68 | -5.1% |
| Kentucky | $1,826 | $486 | 36.3% |
| Louisiana | $1,984 | $644 | 48.1% |
| Maine | $828 | -$512 | -38.2% |
| Maryland | $1,106 | -$234 | -17.5% |
| Massachusetts | $1,070 | -$270 | -20.1% |
| Michigan | $2,326 | $986 | 73.6% |
| Minnesota | $1,122 | -$218 | -16.3% |
| Mississippi | $1,606 | $266 | 19.9% |
| Missouri | $1,190 | -$150 | -11.2% |
| Montana | $1,440 | $100 | 7.5% |
| Nebraska | $1,056 | -$284 | -21.2% |
| Nevada | $1,608 | $268 | 20.0% |
| New Hampshire | $966 | -$374 | -27.9% |
| New Jersey | $1,498 | $158 | 11.8% |
| New Mexico | $1,186 | -$154 | -11.5% |
| New York | $1,410 | $70 | 5.2% |
| North Carolina | $772 | -$568 | -42.4% |
| North Dakota | $1,098 | -$242 | -18.1% |
| Ohio | $924 | -$416 | -31.0% |
| Oklahoma | $1,374 | $34 | 2.5% |
| Oregon | $1,228 | -$112 | -8.4% |
| Pennsylvania | $1,278 | -$62 | -4.6% |
| Rhode Island | $1,788 | $448 | 33.4% |
| South Carolina | $1,216 | -$124 | -9.3% |
| South Dakota | $1,132 | -$208 | -15.5% |
| Tennessee | $1,172 | -$168 | -12.5% |
| Texas | $1,616 | $276 | 20.6% |
| Utah | $992 | -$348 | -26.0% |
| Vermont | $916 | -$424 | -31.6% |
| Virginia | $802 | -$538 | -40.1% |
| Washington | $1,036 | -$304 | -22.7% |
| West Virginia | $1,230 | -$110 | -8.2% |
| Wisconsin | $924 | -$416 | -31.0% |
| Wyoming | $1,192 | -$148 | -11.0% |
Opting for high physical damage deductibles can save as much as $570 every 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 $318 extra every 12 months. 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 $1,500 to $2,100 extra every year, depending on your age. High-risk driver insurance ranges as much as 44% to 126% more than the average rate. View High Risk Driver Rates
Because rates have so much variability, the best way to find out exactly what you will pay is to compare rates and see which company has the best rate. Each auto insurer utilizes a different rate formula, so rate quotes 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 | $1,218 | $102 |
| Subaru Legacy 2.5I Premium | $1,258 | $105 |
| Subaru Legacy 2.5I Premium | $1,258 | $105 |
| Subaru Legacy 2.5I Limited | $1,340 | $112 |
| Subaru Legacy 3.6R | $1,340 | $112 |
| Subaru Legacy 3.6R Premium | $1,340 | $112 |
| Subaru Legacy 2.5 GT Limited | $1,410 | $118 |
| Subaru Legacy 2.5 GT Limited | $1,410 | $118 |
| Subaru Legacy 2.5 GT Limited | $1,410 | $118 |
| Subaru Legacy 2.5GT Premium | $1,382 | $115 |
| Subaru Legacy 3.6R Limited | $1,382 | $115 |
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 | $370 | $506 | $338 | $1,350 |
| 2023 Subaru Legacy | $356 | $494 | $354 | $1,340 |
| 2022 Subaru Legacy | $344 | $474 | $364 | $1,318 |
| 2021 Subaru Legacy | $326 | $458 | $376 | $1,296 |
| 2020 Subaru Legacy | $312 | $424 | $384 | $1,256 |
| 2019 Subaru Legacy | $300 | $400 | $388 | $1,224 |
| 2018 Subaru Legacy | $288 | $358 | $390 | $1,172 |
| 2017 Subaru Legacy | $270 | $330 | $390 | $1,126 |
| 2016 Subaru Legacy | $260 | $310 | $394 | $1,100 |
| 2015 Subaru Legacy | $254 | $288 | $402 | $1,080 |
| 2013 Subaru Legacy | $228 | $244 | $406 | $1,014 |
| 2012 Subaru Legacy | $212 | $222 | $402 | $972 |
| 2011 Subaru Legacy | $200 | $202 | $402 | $940 |
| 2010 Subaru Legacy | $194 | $182 | $398 | $910 |
| 2009 Subaru Legacy | $190 | $178 | $390 | $894 |
| 2008 Subaru Legacy | $188 | $168 | $384 | $876 |
| 2007 Subaru Legacy | $172 | $160 | $380 | $848 |
| 2006 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 Affordable Subaru Legacy Insurance
Finding cheaper rates on car insurance takes not taking risks behind the wheel, having above-average credit, not filing small claims, and maximizing policy discounts. Make time to compare rates at least every other year by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local insurance agents.
The following is a brief review of the car insurance concepts touched on in this article.
- Higher risk drivers with DUI or reckless driving convictions may be required to pay an average of $1,520 more each year for Legacy insurance
- You may be able to save as much as $160 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles can save around $550 each year
- Policyholders who require higher liability limits will pay around $390 every year to raise limits from a 30/60 limit to 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.
References
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,780 |
| 20 | $3,014 |
| 30 | $1,406 |
| 40 | $1,340 |
| 50 | $1,220 |
| 60 | $1,194 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,710 |
| $250 | $1,542 |
| $500 | $1,340 |
| $1,000 | $1,148 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,340 |
| 50/100 | $1,453 |
| 100/300 | $1,541 |
| 250/500 | $1,771 |
| 100 CSL | $1,488 |
| 300 CSL | $1,683 |
| 500 CSL | $1,825 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,836 |
| 20 | $4,784 |
| 30 | $2,930 |
| 40 | $2,858 |
| 50 | $2,716 |
| 60 | $2,688 |
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 | $72 |
| Multi-vehicle | $66 |
| Homeowner | $19 |
| 5-yr Accident Free | $96 |
| 5-yr Claim Free | $86 |
| Paid in Full/EFT | $61 |
| Advance Quote | $64 |
| Online Quote | $96 |
| Total Discounts | $560 |
Discounts are estimated and may not be available from every company or in every state.
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