Subaru Legacy Insurance Rates

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Apr 22, 2024

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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.

Average auto insurance rates for a Subaru Legacy are $1,350 annually for full coverage. Comprehensive costs on average $370, collision costs $506, and liability coverage is $338. Buying just liability costs around $394 a year, with insurance for high-risk drivers costing around $2,872. Teenage drivers receive the highest rates at $4,778 a year or more.

Average premium for full coverage: $1,350

Rate estimates by individual coverage type:

Comprehensive $370
Collision $506
Liability $338

Prices include $500 deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and for different Legacy trim levels.

Price Range by Coverage and Risk

For the normal driver, prices range go from as cheap as $394 for your basic liability-only policy to a much higher rate of $2,872 for a driver who requires high-risk insurance.

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

Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. Rural areas tend to have fewer accident claims than densely populated cities.

The price range example below illustrates how geographic area affects car insurance rates.

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

These examples show why anyone shopping for car insurance should compare rates quotes based on a specific location and their own personal driving habits, rather than using 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.

More Rate Information

The chart below shows estimated Subaru Legacy insurance rates for different risk profiles and scenarios.

  • The best discount rate is $785
  • Raising to $1,000 deductibles will save around $200 a year
  • The estimated rate for a 40-year-old driver with $500 deductibles is $1,350
  • Using more expensive low deductibles will cost $1,730
  • Unlucky drivers who are prone to accidents and violations could pay upwards of $2,872 or more
  • The cost with full coverage for a teenage driver with full coverage may cost $4,778

View Chart as Image

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

Auto insurance rates for a Subaru Legacy can also vary considerably based on the trim level of your Legacy, your driver profile, and policy deductibles and limits.

An older driver with a good driving record and high physical damage deductibles may only pay around $1,300 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay upwards of $4,700 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying at a minimum $1,500 to $2,100 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost around 44% to 125% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $580 a year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $304 extra every year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Subaru Legacy insurance rates. A middle-age driver might find rates as low as $890 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,930 on average in Michigan, Louisiana, 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

With so much variability in rates, the only way to know exactly what you will pay is to compare rates and see how they stack up. Every auto insurance company uses a different method to calculate rates, and quoted rates can be significantly different between companies.

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 2023 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
2024 Subaru Legacy $384 $512 $332 $1,364
2023 Subaru Legacy $370 $506 $338 $1,350
2022 Subaru Legacy $356 $494 $354 $1,340
2021 Subaru Legacy $344 $474 $364 $1,318
2020 Subaru Legacy $326 $458 $376 $1,296
2019 Subaru Legacy $312 $424 $384 $1,256
2018 Subaru Legacy $300 $400 $388 $1,224
2017 Subaru Legacy $288 $358 $390 $1,172
2016 Subaru Legacy $270 $330 $390 $1,126
2015 Subaru Legacy $260 $310 $394 $1,100
2014 Subaru Legacy $254 $288 $402 $1,080
2013 Subaru Legacy $234 $268 $402 $1,040
2012 Subaru Legacy $228 $244 $406 $1,014
2011 Subaru Legacy $212 $222 $402 $972
2010 Subaru Legacy $200 $202 $402 $940
2009 Subaru Legacy $194 $182 $398 $910
2008 Subaru Legacy $190 $178 $390 $894
2007 Subaru Legacy $188 $168 $384 $876
2006 Subaru Legacy $172 $160 $380 $848
2005 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 Buy the Right Subaru Legacy Insurance

Saving money on auto insurance consists of not taking risks behind the wheel, having above-average credit, eliminating unneeded coverage, and taking advantage of discounts. Invest the time to compare rates at every other renewal by getting quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.

The following is a quick rundown of the concepts that were presented in the illustrations above.

  • Drivers with reckless driving or DUI convictions may be required to pay an average of $1,520 more each year for Legacy insurance
  • Teens are charged the highest rates, costing as high as $398 per month if full coverage is included
  • Drivers can save as much as $160 per year simply by shopping early and online
  • Increasing deductibles could save up to $575 each year
  • Drivers can save as much as $160 per year simply by shopping early and online

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

  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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