Subaru Legacy Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

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...

Insurance Lawyer

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 auto insurance rates for a Subaru Legacy are $830 annually including full coverage. Comprehensive insurance costs an estimated $166, collision costs $152, and liability coverage is estimated at $376. A policy with just liability insurance costs approximately $426 a year, with coverage for high-risk drivers costing $1,756 or more. Teens receive the highest rates at $3,262 a year or more.

Average premium for full coverage: $830

Rate estimates broken down by individual coverage type:

Comprehensive $166
Collision $152
Liability $376

Price estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for different Legacy trim levels.

Price Range by Coverage and Risk

For a driver around age 40, prices range go from as cheap as $426 for basic liability insurance to a much higher rate of $1,756 for a driver who has had serious violations or accidents.

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

Price Range by Location

Living in a larger city has a large influence on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates the difference between rural and urban areas on insurance prices.

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

These examples highlight why anyone shopping for car insurance should get quotes for a targeted area and their own personal driving habits, rather than 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.

Rate Comparisons

The chart below breaks down estimated Subaru Legacy insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $516
  • Choosing higher $1,000 deductibles can save approximately $74 every year
  • The estimated rate for a 40-year-old driver who has $500 deductibles is $830
  • Selecting more expensive low deductibles for comp and collision coverage costs an additional $136 each year
  • Drivers with serious driving violations could pay up to $1,756 or more
  • The cost with full coverage for a teenage driver with full coverage can cost as much as $3,262 each year

View Chart as Image

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

Insurance rates for a Subaru Legacy can also vary considerably based on the trim level of your Legacy, your driving characteristics, and liability limits and deductibles.

An older driver with no violations or accidents and high physical damage deductibles may only pay around $800 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay at least $3,200 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying $1,000 to $1,400 additional per year, depending on your age. High-risk driver insurance ranges around 43% to 134% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $210 a year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $339 more each year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Subaru Legacy insurance rates. A good driver about age 40 could pay as low as $640 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,180 on average in Louisiana, New York, and Michigan.

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

With so much variability in rates, the best way to figure out which company is cheapest is to compare rates and see how they stack up. Each auto insurer calculates rates differently, and 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 $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 Buy Cheaper Subaru Legacy Insurance

Saving money on auto insurance takes being a good driver, having good credit, not filing small claims, and maximizing policy discounts. Set aside time to compare rates every other policy renewal by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The following list is a condensed summary of the ideas that were covered above.

  • Drivers age 16 to 20 are expensive to insure, as much as $272 per month if they have full coverage
  • Drivers with multiple at-fault accidents could be forced to pay on average $930 more annually than a safer driver
  • Increasing deductibles could save up to $200 each year
  • You may be able to save approximately $90 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.



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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