1. Vehicles
  2. Subaru
  3. Legacy

Subaru Legacy Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

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...

Full Bio →

Written by

UPDATED: Apr 30, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn't influence our content. Our opinions are our own.

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.

Subaru Legacy insurance

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:

Comprehensive $404
Collision $532
Liability $316

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 $376 for just liability coverage to a much higher rate of $2,938 for a driver required to buy high-risk insurance.

Liability Only $376
Full Coverage $1,388
High Risk $2,938

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 $1,041
Small Cities $1,457
Large Cities $1,874

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 $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

Subaru Legacy insurance cost comparison chart
Column chart showing full coverage Subaru Legacy insurance prices range from $809 to $4,820

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.

Subaru Legacy Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,252 -$136 -9.8%
Alaska $1,064 -$324 -23.3%
Arizona $1,152 -$236 -17.0%
Arkansas $1,388 -$0 0.0%
California $1,580 $192 13.8%
Colorado $1,324 -$64 -4.6%
Connecticut $1,424 $36 2.6%
Delaware $1,568 $180 13.0%
Florida $1,732 $344 24.8%
Georgia $1,282 -$106 -7.6%
Hawaii $998 -$390 -28.1%
Idaho $940 -$448 -32.3%
Illinois $1,032 -$356 -25.6%
Indiana $1,044 -$344 -24.8%
Iowa $936 -$452 -32.6%
Kansas $1,316 -$72 -5.2%
Kentucky $1,892 $504 36.3%
Louisiana $2,054 $666 48.0%
Maine $858 -$530 -38.2%
Maryland $1,146 -$242 -17.4%
Massachusetts $1,104 -$284 -20.5%
Michigan $2,410 $1,022 73.6%
Minnesota $1,162 -$226 -16.3%
Mississippi $1,662 $274 19.7%
Missouri $1,230 -$158 -11.4%
Montana $1,490 $102 7.3%
Nebraska $1,092 -$296 -21.3%
Nevada $1,664 $276 19.9%
New Hampshire $1,000 -$388 -28.0%
New Jersey $1,552 $164 11.8%
New Mexico $1,226 -$162 -11.7%
New York $1,462 $74 5.3%
North Carolina $798 -$590 -42.5%
North Dakota $1,138 -$250 -18.0%
Ohio $954 -$434 -31.3%
Oklahoma $1,422 $34 2.4%
Oregon $1,272 -$116 -8.4%
Pennsylvania $1,322 -$66 -4.8%
Rhode Island $1,850 $462 33.3%
South Carolina $1,258 -$130 -9.4%
South Dakota $1,170 -$218 -15.7%
Tennessee $1,214 -$174 -12.5%
Texas $1,672 $284 20.5%
Utah $1,026 -$362 -26.1%
Vermont $948 -$440 -31.7%
Virginia $830 -$558 -40.2%
Washington $1,070 -$318 -22.9%
West Virginia $1,272 -$116 -8.4%
Wisconsin $960 -$428 -30.8%
Wyoming $1,236 -$152 -11.0%

View Chart as Image

Subaru Legacy insurance rates by U.S. city

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

Subaru Legacy Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Subaru Legacy 2.5I $1,252 $104
Subaru Legacy 2.5I Premium $1,298 $108
Subaru Legacy 2.5I Premium $1,298 $108
Subaru Legacy 2.5I Limited $1,388 $116
Subaru Legacy 3.6R $1,388 $116
Subaru Legacy 3.6R Premium $1,388 $116
Subaru Legacy 2.5 GT Limited $1,464 $122
Subaru Legacy 2.5 GT Limited $1,464 $122
Subaru Legacy 2.5 GT Limited $1,464 $122
Subaru Legacy 2.5GT Premium $1,432 $119
Subaru Legacy 3.6R Limited $1,432 $119

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 $404 $532 $316 $1,388
2019 Subaru Legacy $384 $512 $332 $1,364
2018 Subaru Legacy $370 $506 $338 $1,350
2017 Subaru Legacy $356 $494 $354 $1,340
2016 Subaru Legacy $344 $474 $364 $1,318
2015 Subaru Legacy $326 $458 $376 $1,296
2014 Subaru Legacy $312 $424 $384 $1,256
2013 Subaru Legacy $300 $400 $388 $1,224
2012 Subaru Legacy $288 $358 $390 $1,172
2011 Subaru Legacy $270 $330 $390 $1,126
2010 Subaru Legacy $260 $310 $394 $1,100
2009 Subaru Legacy $254 $288 $402 $1,080
2008 Subaru Legacy $234 $268 $402 $1,040
2007 Subaru Legacy $228 $244 $406 $1,014
2006 Subaru Legacy $212 $222 $402 $972
2005 Subaru Legacy $200 $202 $402 $940
2004 Subaru Legacy $194 $182 $398 $910
2003 Subaru Legacy $190 $178 $390 $894
2002 Subaru Legacy $188 $168 $384 $876
2001 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 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

Rates by Driver Age

Subaru Legacy Insurance Rates by Driver Age
Driver Age Premium
16 $4,820
20 $3,094
30 $1,462
40 $1,388
50 $1,260
60 $1,234

Full coverage, $500 deductibles

Rates by Deductible

Subaru Legacy Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,792
$250 $1,608
$500 $1,388
$1,000 $1,172

Full coverage, driver age 40

Rates by Liability Limit

Subaru Legacy Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,388
50/100 $1,495
100/300 $1,574
250/500 $1,780
100 CSL $1,527
300 CSL $1,701
500 CSL $1,827

Full coverage, driver age 40

Rates for High Risk Drivers

Subaru Legacy Insurance Rates for High Risk Drivers
Age Premium
16 $6,900
20 $4,900
30 $3,018
40 $2,938
50 $2,788
60 $2,760

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 $181

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $75
Multi-vehicle $67
Homeowner $19
5-yr Accident Free $100
5-yr Claim Free $88
Paid in Full/EFT $64
Advance Quote $66
Online Quote $100
Total Discounts $579
Rate after discounts $809

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

You May Also Enjoy These Articles