Subaru Legacy Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
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.
Estimated insurance rates for a Subaru Legacy are $830 a year including full coverage. Comprehensive costs an estimated $166, collision costs $152, and liability insurance costs around $376. Liability-only coverage costs as low as $426 a year, with high-risk coverage costing around $1,756. 16-year-old drivers pay the most at $3,262 a year or more.
Average premium for full coverage: $830
Premium estimates broken down by type of coverage:
Price estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for all Legacy models.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Subaru Legacy go from the low end price of $426 for just liability coverage to the much higher price of $1,756 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Where you live has a significant impact on the price of auto insurance. More rural locations are statistically proven to have lower incidents of comprehensive and collision claims than congested cities.
The example below illustrates how location impacts insurance prices.
These rate differences highlight why everyone should compare prices for a targeted area, rather than relying 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.
Detailed Rate Analysis
The chart below breaks down estimated Subaru Legacy insurance rates for other coverage scenarios.
- The best full coverage rate is $516
- Using higher $1,000 deductibles will save approximately $74 every year
- The estimated price for a 40-year-old good driver who has $500 deductibles is $830
- Buying pricier low deductibles for physical damage coverage bumps up the cost to $966
- Drivers with multiple tickets or accidents could pay up to $1,756 or more
- An auto insurance policy that insures a teen driver for full coverage can cost as much as $3,262 or more
Insurance prices for a Subaru Legacy also have a wide range based on the model of your Legacy, your driving record and age, and liability limits and deductibles.
If you have a few violations or you caused an accident, you are likely paying $1,000 to $1,400 extra annually, depending on your age. Subaru Legacy insurance for high-risk drivers can be anywhere from 43% to 134% more than the average rate. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $800 a year, or $67 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay at least $3,200 a year. View Rates by Age
Where you choose to live has a huge impact on Subaru Legacy insurance rates. A driver around age 40 might see prices as low as $640 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,180 on average in Louisiana, New York, and Michigan.
| 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% |
Opting for high physical damage deductibles could cut prices by as much as $210 each year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $339 more per year. View Rates by Deductible or Liability Limit
With such a large range in prices, the best way to figure out which insurance company is cheapest is to regularly compare prices from as many companies as possible. Each insurance company utilizes a different rate formula, so the prices will be substantially different.
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 Find Cheaper Subaru Legacy Insurance
Finding better rates on Subaru Legacy insurance requires avoiding accidents and violations, having above-average credit, refrain from filing small claims, and taking advantage of discounts. Comparison shop every other policy renewal by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.
The list below is a condensed summary of the ideas that were touched on above.
- Teenagers are charged the highest prices, with the cost nearing $272 per month if full coverage is included
- High-risk drivers with multiple at-fault accidents could be charged and average of $930 more annually for car insurance
- Increasing policy deductibles can save approximately $200 each year
- You may be able to save approximately $90 per year simply by quoting online well ahead of the renewal date
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 | $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.
Compare Rates and Save
Find companies with the cheapest rates in your area
