Subaru Legacy Insurance Rates

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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. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Aug 24, 2022

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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 insurance rates for a Subaru Legacy are $830 a year for full coverage. Comprehensive costs on average $166 a year, collision costs $152, and liability insurance costs $376. A liability-only policy costs as little as $426 a year, with high-risk insurance costing around $1,756. Teen drivers receive the highest rates at $3,262 a year or more.

Average premium for full coverage: $830

Rate estimates by individual coverage type:

Comprehensive $166
Collision $152
Liability $376

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Legacy trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $426 for only liability insurance to a high of $1,756 for a high risk driver.

Liability Only $426
Full Coverage $830
High Risk $1,756

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $623
Small Cities $872
Large Cities $1,121

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on price averages.

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.

Insurance Rate Analysis

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

  • The lowest rate with discounts is $516
  • Drivers who choose higher $1,000 deductibles will pay around $756 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $830
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $966
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $1,756 or more
  • The cost for full coverage for a teen driver may cost $3,262 a year

View Chart as Image

Subaru Legacy insurance cost comparison chart
Column chart showing full coverage Subaru Legacy insurance rates range from $516 to $3,262

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

Older drivers and high deductibles could pay as little as $800 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $3,200 a year. View Rates by Age

Where you live makes a big difference in Subaru Legacy insurance rates. A 40-year-old driver could pay as low as $550 a year in states like Idaho, Maine, and Iowa, or as much as $1,180 on average in Michigan, Louisiana, and New York.

Subaru Legacy Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $750 -$80 -9.6%
Alaska $636 -$194 -23.4%
Arizona $688 -$142 -17.1%
Arkansas $830 -$0 0.0%
California $946 $116 14.0%
Colorado $792 -$38 -4.6%
Connecticut $850 $20 2.4%
Delaware $938 $108 13.0%
Florida $1,036 $206 24.8%
Georgia $768 -$62 -7.5%
Hawaii $598 -$232 -28.0%
Idaho $562 -$268 -32.3%
Illinois $618 -$212 -25.5%
Indiana $626 -$204 -24.6%
Iowa $558 -$272 -32.8%
Kansas $788 -$42 -5.1%
Kentucky $1,130 $300 36.1%
Louisiana $1,228 $398 48.0%
Maine $512 -$318 -38.3%
Maryland $684 -$146 -17.6%
Massachusetts $660 -$170 -20.5%
Michigan $1,440 $610 73.5%
Minnesota $694 -$136 -16.4%
Mississippi $992 $162 19.5%
Missouri $738 -$92 -11.1%
Montana $890 $60 7.2%
Nebraska $652 -$178 -21.4%
Nevada $992 $162 19.5%
New Hampshire $600 -$230 -27.7%
New Jersey $928 $98 11.8%
New Mexico $734 -$96 -11.6%
New York $872 $42 5.1%
North Carolina $478 -$352 -42.4%
North Dakota $680 -$150 -18.1%
Ohio $572 -$258 -31.1%
Oklahoma $850 $20 2.4%
Oregon $760 -$70 -8.4%
Pennsylvania $790 -$40 -4.8%
Rhode Island $1,108 $278 33.5%
South Carolina $752 -$78 -9.4%
South Dakota $700 -$130 -15.7%
Tennessee $728 -$102 -12.3%
Texas $1,000 $170 20.5%
Utah $612 -$218 -26.3%
Vermont $566 -$264 -31.8%
Virginia $498 -$332 -40.0%
Washington $640 -$190 -22.9%
West Virginia $760 -$70 -8.4%
Wisconsin $572 -$258 -31.1%
Wyoming $738 -$92 -11.1%

View Chart as Image

Subaru Legacy insurance rates by U.S. city

Choosing high deductibles could save up to $210 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $339 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,000 to $1,400 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 134% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

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 $788 $66
Subaru Legacy 2.5I Premium $800 $67
Subaru Legacy 2.5I Premium $800 $67
Subaru Legacy 2.5I Limited $830 $69
Subaru Legacy 3.6R $830 $69
Subaru Legacy 3.6R Premium $830 $69
Subaru Legacy 2.5 GT Limited $854 $71
Subaru Legacy 2.5 GT Limited $854 $71
Subaru Legacy 2.5 GT Limited $854 $71
Subaru Legacy 2.5GT Premium $846 $71
Subaru Legacy 3.6R Limited $846 $71

Rates assume 1996 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
2015 Subaru Legacy $288 $358 $390 $1,172
2011 Subaru Legacy $234 $268 $402 $1,040
2010 Subaru Legacy $228 $244 $406 $1,014
2009 Subaru Legacy $212 $222 $402 $972
2008 Subaru Legacy $200 $202 $402 $940
2007 Subaru Legacy $194 $182 $398 $910
2006 Subaru Legacy $190 $178 $390 $894
2005 Subaru Legacy $188 $168 $384 $876
2003 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 Find Cheaper Subaru Legacy Insurance

Saving money on Subaru Legacy insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $200 each year
  • Drivers can save as much as $90 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $410 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $272 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $930 more each year for insurance

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.



Rates by Driver Age

Subaru Legacy Insurance Rates by Driver Age
Driver Age Premium
16 $3,262
20 $1,856
30 $846
40 $830
50 $760
60 $744

Full coverage, $500 deductibles

Rates by Deductible

Subaru Legacy Insurance Rates with Different Deductibles
Deductible Premium
$100 $966
$250 $906
$500 $830
$1,000 $756

Full coverage, driver age 40

Rates by Liability Limit

Subaru Legacy Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $830
50/100 $921
100/300 $1,015
250/500 $1,260
100 CSL $959
300 CSL $1,166
500 CSL $1,316

Full coverage, driver age 40

Rates for High Risk Drivers

Subaru Legacy Insurance Rates for High Risk Drivers
Age Premium
16 $4,584
20 $2,942
30 $1,772
40 $1,756
50 $1,676
60 $1,656

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 $105

Potential Rate Discounts

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

Discount Savings
Multi-policy $42
Multi-vehicle $42
Homeowner $14
5-yr Accident Free $47
5-yr Claim Free $51
Paid in Full/EFT $28
Advance Quote $34
Online Quote $56
Total Discounts $314
Rate after discounts $516

Discounts are estimated and may not be available from every company or in every state.

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