Subaru Legacy Insurance Rates

Estimated insurance rates for a Subaru Legacy are $1,388 a year with full coverage. Comprehensive insurance costs around $404, collision costs $532, and liability insurance costs $316. A policy with only liability insurance costs as little as $376 a year, with a high-risk policy costing $2,938 or more. Teenage drivers pay the most at $4,820 a year or more.

Average premium for full coverage: $1,388

Premium estimates for type of coverage:

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

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.

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.

Detailed Rate Analysis

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

• The best discount rate is $809
• Drivers who choose higher $1,000 deductibles will pay about $216 annually
• The estimated price for a 40-year-old good driver using $500 deductibles is $1,388
• Using more expensive low deductibles for comprehensive and collision insurance will cost an additional $404 a year
• High risk drivers who are prone to accidents and violations could pay at least $2,938 or more
• An auto insurance policy that insures a teen driver with full coverage can be $4,820 a year

View Chart as Image

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 $1,600 to $2,100 extra annually, depending on your age. High-risk driver insurance can cost anywhere from 44% to 130% 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 $4,800 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 $1,000 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,870 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles could save up to $620 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 $285 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

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.

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 $350 every year to go from 30/60 bodily injury limits to the 250/500 level
• You may be able to save up to $170 per year simply by shopping early and online
• Increasing policy deductibles can save approximately $625 each year
• Teenage drivers are the costliest to insure, possibly costing $402 per month if full coverage is purchased