Subaru Legacy Insurance Rates
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Michelle Robbins
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UPDATED: Apr 22, 2024
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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.
Average insurance prices for a Subaru Legacy are $1,340 every 12 months for full coverage. Comprehensive insurance costs on average $356 each year, collision costs $494, and liability costs $354. Liability-only coverage costs as little as $406 a year, with high-risk coverage costing $2,858 or more. Teens receive the highest rates at $4,780 a year or more.
Average premium for full coverage: $1,340
Rate estimates by individual coverage type:
These estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all states and Legacy models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from the cheapest price of $406 for just liability insurance to a high rate of $2,858 for a driver who has had serious violations or accidents.
Price Range by Location
Your location can have significant affects on car insurance rates. Rural areas tend to have more infrequent accident claims than cities with more traffic congestion.
The graphic below illustrates the difference location can make on car insurance rates.
These examples show why all drivers should compare rates based on a specific location and their own driving history, instead of using averaged prices.
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 Details
The chart below shows estimated Subaru Legacy insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $780
- Drivers who choose higher $1,000 deductibles will pay around $192 a year
- The average price for a 40-year-old driver with $500 deductibles is $1,340
- Selecting low deductibles for comprehensive and collision insurance costs an extra $370 every year
- Higher-risk drivers with serious driving violations could pay upwards of $2,858 or more
- The cost to insure a teen driver may cost $4,780 a year
Car insurance rates for a Subaru Legacy can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level of your Legacy.
Choosing higher comprehensive and collision insurance deductibles could save up to $570 every year, whereas increasing liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $318 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles may pay as little as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged upwards of $4,700 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying at a minimum $1,500 to $2,100 extra per year, depending on your age. Insurance for high-risk drivers can cost as much as 44% to 126% more than the average policy. View High Risk Driver Rates
Where you live makes a big difference in Subaru Legacy insurance prices. A 40-year-old driver could pay as low as $880 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,910 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,210 | -$130 | -9.7% |
| Alaska | $1,030 | -$310 | -23.1% |
| Arizona | $1,112 | -$228 | -17.0% |
| Arkansas | $1,340 | -$0 | 0.0% |
| California | $1,528 | $188 | 14.0% |
| Colorado | $1,278 | -$62 | -4.6% |
| Connecticut | $1,376 | $36 | 2.7% |
| Delaware | $1,516 | $176 | 13.1% |
| Florida | $1,674 | $334 | 24.9% |
| Georgia | $1,238 | -$102 | -7.6% |
| Hawaii | $964 | -$376 | -28.1% |
| Idaho | $910 | -$430 | -32.1% |
| Illinois | $998 | -$342 | -25.5% |
| Indiana | $1,010 | -$330 | -24.6% |
| Iowa | $902 | -$438 | -32.7% |
| Kansas | $1,272 | -$68 | -5.1% |
| Kentucky | $1,826 | $486 | 36.3% |
| Louisiana | $1,984 | $644 | 48.1% |
| Maine | $828 | -$512 | -38.2% |
| Maryland | $1,106 | -$234 | -17.5% |
| Massachusetts | $1,070 | -$270 | -20.1% |
| Michigan | $2,326 | $986 | 73.6% |
| Minnesota | $1,122 | -$218 | -16.3% |
| Mississippi | $1,606 | $266 | 19.9% |
| Missouri | $1,190 | -$150 | -11.2% |
| Montana | $1,440 | $100 | 7.5% |
| Nebraska | $1,056 | -$284 | -21.2% |
| Nevada | $1,608 | $268 | 20.0% |
| New Hampshire | $966 | -$374 | -27.9% |
| New Jersey | $1,498 | $158 | 11.8% |
| New Mexico | $1,186 | -$154 | -11.5% |
| New York | $1,410 | $70 | 5.2% |
| North Carolina | $772 | -$568 | -42.4% |
| North Dakota | $1,098 | -$242 | -18.1% |
| Ohio | $924 | -$416 | -31.0% |
| Oklahoma | $1,374 | $34 | 2.5% |
| Oregon | $1,228 | -$112 | -8.4% |
| Pennsylvania | $1,278 | -$62 | -4.6% |
| Rhode Island | $1,788 | $448 | 33.4% |
| South Carolina | $1,216 | -$124 | -9.3% |
| South Dakota | $1,132 | -$208 | -15.5% |
| Tennessee | $1,172 | -$168 | -12.5% |
| Texas | $1,616 | $276 | 20.6% |
| Utah | $992 | -$348 | -26.0% |
| Vermont | $916 | -$424 | -31.6% |
| Virginia | $802 | -$538 | -40.1% |
| Washington | $1,036 | -$304 | -22.7% |
| West Virginia | $1,230 | -$110 | -8.2% |
| Wisconsin | $924 | -$416 | -31.0% |
| Wyoming | $1,192 | -$148 | -11.0% |
With so much variability in rates, the only way to know exactly what you will pay is to do a rate comparison and see which company has the best rate. Every company calculates rates differently, so rate quotes can be significantly different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Subaru Legacy 2.5I | $1,218 | $102 |
| Subaru Legacy 2.5I Premium | $1,258 | $105 |
| Subaru Legacy 2.5I Premium | $1,258 | $105 |
| Subaru Legacy 2.5I Limited | $1,340 | $112 |
| Subaru Legacy 3.6R | $1,340 | $112 |
| Subaru Legacy 3.6R Premium | $1,340 | $112 |
| Subaru Legacy 2.5 GT Limited | $1,410 | $118 |
| Subaru Legacy 2.5 GT Limited | $1,410 | $118 |
| Subaru Legacy 2.5 GT Limited | $1,410 | $118 |
| Subaru Legacy 2.5GT Premium | $1,382 | $115 |
| Subaru Legacy 3.6R Limited | $1,382 | $115 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Subaru Legacy | $370 | $506 | $338 | $1,350 |
| 2023 Subaru Legacy | $356 | $494 | $354 | $1,340 |
| 2022 Subaru Legacy | $344 | $474 | $364 | $1,318 |
| 2021 Subaru Legacy | $326 | $458 | $376 | $1,296 |
| 2020 Subaru Legacy | $312 | $424 | $384 | $1,256 |
| 2019 Subaru Legacy | $300 | $400 | $388 | $1,224 |
| 2018 Subaru Legacy | $288 | $358 | $390 | $1,172 |
| 2017 Subaru Legacy | $270 | $330 | $390 | $1,126 |
| 2016 Subaru Legacy | $260 | $310 | $394 | $1,100 |
| 2015 Subaru Legacy | $254 | $288 | $402 | $1,080 |
| 2014 Subaru Legacy | $234 | $268 | $402 | $1,040 |
| 2013 Subaru Legacy | $228 | $244 | $406 | $1,014 |
| 2012 Subaru Legacy | $212 | $222 | $402 | $972 |
| 2011 Subaru Legacy | $200 | $202 | $402 | $940 |
| 2010 Subaru Legacy | $194 | $182 | $398 | $910 |
| 2009 Subaru Legacy | $190 | $178 | $390 | $894 |
| 2008 Subaru Legacy | $188 | $168 | $384 | $876 |
| 2007 Subaru Legacy | $172 | $160 | $380 | $848 |
| 2006 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 Shop for Cheap Subaru Legacy Insurance
Saving money on car insurance not only requires having a decent driving record, but also maintaining a good credit score, eliminating unneeded coverage, and maximizing policy discounts. Make time to compare rates every other policy renewal by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The following items are a brief summary of the ideas that were touched on in this article.
- 16 to 18-year-old drivers are expensive to insure, costing as high as $398 per month if the policy includes full coverage
- Higher risk drivers that tend to have accidents or serious violations pay an average of $1,520 more each year than a driver with a clean driving record
- Increasing deductibles could save as much as $550 each year
- Drivers can save as much as $160 per year simply by quoting online in advance
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 | $4,780 |
| 20 | $3,014 |
| 30 | $1,406 |
| 40 | $1,340 |
| 50 | $1,220 |
| 60 | $1,194 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,710 |
| $250 | $1,542 |
| $500 | $1,340 |
| $1,000 | $1,148 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,340 |
| 50/100 | $1,453 |
| 100/300 | $1,541 |
| 250/500 | $1,771 |
| 100 CSL | $1,488 |
| 300 CSL | $1,683 |
| 500 CSL | $1,825 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,836 |
| 20 | $4,784 |
| 30 | $2,930 |
| 40 | $2,858 |
| 50 | $2,716 |
| 60 | $2,688 |
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 | $72 |
| Multi-vehicle | $66 |
| Homeowner | $19 |
| 5-yr Accident Free | $96 |
| 5-yr Claim Free | $86 |
| Paid in Full/EFT | $61 |
| Advance Quote | $64 |
| Online Quote | $96 |
| Total Discounts | $560 |
Discounts are estimated and may not be available from every company or in every state.
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