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Subaru Legacy Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Dec 7, 2021

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Subaru Legacy insurance
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 $1,350 a year with full coverage. Comprehensive insurance costs around $370, collision costs $506, and liability insurance costs $338. A policy with only liability insurance costs as little as $394 a year, with a high-risk policy costing $2,872 or more. Teenage drivers pay the most at $4,778 a year or more.

Average premium for full coverage: $1,350

Premium estimates for type of coverage:

Comprehensive $370
Collision $506
Liability $338

Rate estimates include $500 physical damage deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and for different Legacy trim levels.

Insurance Price Range by Risk and Coverage

For an average driver, insurance rates for a Subaru Legacy go from the low end price of $394 for just liability coverage to a much higher rate of $2,872 for a driver required to buy high-risk insurance.

Liability Only $394
Full Coverage $1,350
High Risk $2,872

Insurance Price Range by Location

Your location has a significant impact on insurance rates. Areas with sparse population are statistically proven to have lower incidents of collision claims than densely populated cities.

The price range example below illustrates the effect of geographic area on auto insurance rates.

Rural Areas $1,013
Small Cities $1,418
Large Cities $1,823

These rate differences demonstrate why anyone shopping for car insurance should compare rates for a specific zip code, rather than relying on 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.

Detailed Rate Analysis

The chart below details estimated Subaru Legacy insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $785
  • Drivers who choose higher $1,000 deductibles will pay about $200 annually
  • The estimated price for a 40-year-old good driver using $500 deductibles is $1,350
  • Using more expensive low deductibles for comprehensive and collision insurance will cost an additional $380 a year
  • High risk drivers who are prone to accidents and violations could pay at least $2,872 or more
  • An auto insurance policy that insures a teen driver with full coverage can be $4,778 a year

View Chart as Image

Subaru Legacy insurance cost comparison chart
Column chart showing full coverage Subaru Legacy insurance prices range from $785 to $4,778

Car insurance prices for a Subaru Legacy also have a wide range based on the model year and trim level, your age and driving habits, and deductibles and policy limits.

If you have a few violations or you caused an accident, you may be forking out at least $1,500 to $2,100 extra annually, depending on your age. High-risk driver insurance can cost anywhere from 44% to 125% more than a normal policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged as much as $4,700 a year. View Rates by Age

Where you choose to live makes a big difference in Subaru Legacy insurance rates. A 40-year-old driver could pay as low as $970 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,820 on average in Florida, Michigan, and New York.

Subaru Legacy Insurance Rates by State
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%

View Chart as Image

Subaru Legacy insurance rates by U.S. city

Using high physical damage deductibles could save up to $580 each year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $304 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out your exact price is to compare prices from as many companies as possible. Every company uses a different method to calculate prices, so rate quotes will be substantially different.

Insurance Rates by Trim Level and Model Year

Subaru Legacy Insurance Rates by Model and Trim Level
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 2020 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.

Subaru Legacy Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Subaru Legacy $370 $506 $338 $1,350
2019 Subaru Legacy $356 $494 $354 $1,340
2018 Subaru Legacy $344 $474 $364 $1,318
2017 Subaru Legacy $326 $458 $376 $1,296
2016 Subaru Legacy $312 $424 $384 $1,256
2015 Subaru Legacy $300 $400 $388 $1,224
2014 Subaru Legacy $288 $358 $390 $1,172
2013 Subaru Legacy $270 $330 $390 $1,126
2012 Subaru Legacy $260 $310 $394 $1,100
2011 Subaru Legacy $254 $288 $402 $1,080
2010 Subaru Legacy $234 $268 $402 $1,040
2009 Subaru Legacy $228 $244 $406 $1,014
2008 Subaru Legacy $212 $222 $402 $972
2007 Subaru Legacy $200 $202 $402 $940
2006 Subaru Legacy $194 $182 $398 $910
2005 Subaru Legacy $190 $178 $390 $894
2004 Subaru Legacy $188 $168 $384 $876
2003 Subaru Legacy $172 $160 $380 $848
2002 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 the Best Subaru Legacy Insurance

Finding better rates on Subaru Legacy insurance not only requires being a safe and courteous driver, but also having a positive credit history, being claim-free, and qualifying for all possible discounts. Compare prices at every policy renewal by requesting quotes from direct companies, and also from your local independent and exclusive agents.

Below is a brief recap of the data covered in the above illustrations.

  • Drivers who may need higher levels of liability will pay an extra $370 every year to go from 30/60 bodily injury limits to the 250/500 level
  • You may be able to save up to $160 per year simply by shopping early and online
  • Increasing policy deductibles can save approximately $575 each year
  • Teenage drivers are the costliest to insure, possibly costing $398 per month if full coverage is purchased

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.


  1. https://www.iihs.org/ratings/vehicle/subaru/legacy-4-door-sedan/2020

Rates by Driver Age

Subaru Legacy Insurance 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

Subaru Legacy Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,730
$250 $1,556
$500 $1,350
$1,000 $1,150

Full coverage, driver age 40

Rates by Liability Limit

Subaru Legacy Insurance Rates with Different Liability Limits
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

Subaru Legacy Insurance 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.

SR-22 Surcharge $178

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
Rate after discounts $785

Discounts are estimated and may not be available from every company or in every state.

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