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: 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.

The average insurance rates for a Subaru Legacy are $1,388 a year including full coverage. Comprehensive costs around $404, collision costs $532, and liability coverage is estimated at $316. Buying just liability costs approximately $376 a year, with insurance for high-risk drivers costing around $2,938. 16-year-old drivers cost the most to insure at $4,820 a year or more.

Average premium for full coverage: $1,388

Policy rates for type of insurance:

Comprehensive $404
Collision $532
Liability $316

Prices include $500 policy deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for different Legacy trim levels.

Price Range Variability

Using a 40-year-old driver as an example, Subaru Legacy insurance rates go from the low end price of $376 for just liability insurance to a much higher rate of $2,938 for a policy for a high-risk driver.

Liability Only $376
Full Coverage $1,388
High Risk $2,938

Urban vs. Rural Price Range

Living in a larger city has a large influence on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than congested cities.

The price range example below illustrates how rural and urban location affects auto insurance rates.

Rural Areas $1,041
Small Cities $1,457
Large Cities $1,874

The examples above highlight why anyone shopping for car insurance should get quotes for a specific zip code, rather than using rate 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.

More Rate Details

The chart below breaks down estimated Subaru Legacy insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $809
  • Choosing higher $1,000 deductibles can save about $216 every year
  • The estimated price for a good driver age 40 using $500 deductibles is $1,388
  • Buying more expensive low deductibles for comp and collision coverage bumps up the cost to $1,792
  • Drivers with multiple tickets or accidents could pay at least $2,938 or more
  • Policy cost that insures a teenage driver with full coverage can be $4,820 each year

View Chart as Image

Subaru Legacy insurance cost comparison chart
Column chart showing full coverage Subaru Legacy insurance rates range from $809 to $4,820

Insurance rates for a Subaru Legacy also range considerably based on the model year and trim level, your driving record and age, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,600 to $2,100 extra every year, depending on your age. High-risk driver insurance ranges around 44% to 130% more than the average rate. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay as much as $4,800 a year. View Rates by Age

Your home state plays a big part in determining prices for Subaru Legacy insurance rates. A good driver about age 40 could pay as low as $1,060 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,980 on average in Michigan, New York, and Louisiana.

Subaru Legacy Insurance Rates by State
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%

View Chart as Image

Subaru Legacy insurance rates by U.S. city

Opting for high physical damage deductibles can save as much as $620 a year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $285 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out your exact price is to compare rates and see how they stack up. Each auto insurer utilizes a different rate formula, so the rates will be varied.

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 $1,252 $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 2024 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 $404 $532 $316 $1,388
2023 Subaru Legacy $384 $512 $332 $1,364
2022 Subaru Legacy $370 $506 $338 $1,350
2021 Subaru Legacy $356 $494 $354 $1,340
2020 Subaru Legacy $344 $474 $364 $1,318
2019 Subaru Legacy $326 $458 $376 $1,296
2018 Subaru Legacy $312 $424 $384 $1,256
2017 Subaru Legacy $300 $400 $388 $1,224
2016 Subaru Legacy $288 $358 $390 $1,172
2015 Subaru Legacy $270 $330 $390 $1,126
2014 Subaru Legacy $260 $310 $394 $1,100
2013 Subaru Legacy $254 $288 $402 $1,080
2012 Subaru Legacy $234 $268 $402 $1,040
2011 Subaru Legacy $228 $244 $406 $1,014
2010 Subaru Legacy $212 $222 $402 $972
2009 Subaru Legacy $200 $202 $402 $940
2008 Subaru Legacy $194 $182 $398 $910
2007 Subaru Legacy $190 $178 $390 $894
2006 Subaru Legacy $188 $168 $384 $876
2005 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 Right Subaru Legacy Insurance

Finding cheaper rates on auto insurance takes avoiding accidents and claims, having above-average credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Comparison shop every year by requesting rates from direct car insurance companies, and also from local insurance agencies.

The points below are a quick rundown of the coverage data raised in the charts and tables above.

  • You may be able to save up to $170 per year simply by shopping early and online
  • Increasing comprehensive and collision deductibles can save approximately $625 each year
  • Drivers under the age of 20 pay higher rates, with premiums being up to $402 each month if full coverage is included
  • Drivers with reckless driving or DUI convictions may have to pay on average $1,550 more every year to insure a Subaru Legacy

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 $4,820
20 $3,094
30 $1,462
40 $1,388
50 $1,260
60 $1,234

Full coverage, $500 deductibles

Rates by Deductible

Subaru Legacy Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,792
$250 $1,608
$500 $1,388
$1,000 $1,172

Full coverage, driver age 40

Rates by Liability Limit

Subaru Legacy Insurance Rates with Different Liability Limits
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

Subaru Legacy Insurance 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.

SR-22 Surcharge $181

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
Rate after discounts $809

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

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