Subaru Legacy Insurance Rates
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UPDATED: Apr 30, 2020
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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.
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
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.
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.
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
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.
| 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% |
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
| 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.
| 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
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 | $4,820 |
| 20 | $3,094 |
| 30 | $1,462 |
| 40 | $1,388 |
| 50 | $1,260 |
| 60 | $1,234 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,792 |
| $250 | $1,608 |
| $500 | $1,388 |
| $1,000 | $1,172 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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