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: Jun 1, 2023

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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.

U.S. average auto insurance rates for a Subaru Legacy are $1,350 annually including full coverage. Comprehensive insurance costs on average $370, collision costs $506, and liability coverage costs around $338. Liability-only coverage costs as low as $394 a year, with high-risk coverage costing $2,872 or more. Teens pay the highest rates at $4,778 a year or more.

Average premium for full coverage: $1,350

Price estimates by individual coverage:

Comprehensive $370
Collision $506
Liability $338

Rate estimates include $500 policy deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and for different Legacy trim levels.

Price Range from Low to High

For the normal driver, Subaru Legacy insurance prices go from as cheap as $394 for your basic liability-only policy to a much higher rate of $2,872 for a driver that may need high-risk insurance.

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

Geographic Price Range

Where you live has a large influence on car insurance rates. Rural areas have fewer comprehensive and collision claims than cities with more traffic congestion.

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

The ranges above highlight why anyone shopping for car insurance should compare prices based on a specific location 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.

More Rate Information

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

  • The cheapest rate after discounts is $785
  • Using higher $1,000 deductibles will save around $200 every year
  • The estimated rate for the average middle-age driver with $500 deductibles is $1,350
  • Selecting more expensive low deductibles for physical damage coverage costs an additional $380 each year
  • Higher-risk drivers with serious driving violations could pay upwards of $2,872 or more
  • The price with full coverage for a teenage driver with full coverage may cost $4,778 or more

View Chart as Image

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

Auto insurance prices for a Subaru Legacy are also quite variable based on the trim level and model year, your driving characteristics, and policy deductibles and limits.

An older driver with a good driving record and high physical damage deductibles may only pay around $1,300 a year for full coverage. Prices are much higher for teenage 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 have some driving violations or you caused a few accidents, you are likely paying at a minimum $1,500 to $2,100 in extra premium each year, depending on your age. High-risk driver insurance can be around 44% to 125% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $580 a year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $304 extra every year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Subaru Legacy insurance rates. A driver around age 40 might see prices as low as $1,040 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,930 on average in Michigan, New York, and Louisiana.

Subaru Legacy Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,220 -$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

Since prices can be so different, the best way to figure out exactly what you will pay is to compare prices and see how they stack up. Each insurance company calculates prices differently, and quoted prices may be quite 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 Best Subaru Legacy Insurance

Getting lower rates on auto insurance requires being a good driver, having above-average credit, being claim-free, and taking advantage of discounts. Invest the time to compare rates once a year by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following list is a brief recap of the data that was presented in the illustrations above.

  • You may be able to save as much as $160 per year simply by shopping early and online
  • Consumers who require an increased level of liability coverage will pay approximately $370 per year to increase from a low limit to higher 250/500 limits
  • Drivers age 16 to 20 are charged the highest prices, possibly costing $398 a month if full coverage is included
  • Drivers who tend to receive serious violations pay on average $1,520 more each year than a safer driver

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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