Subaru Legacy Insurance Rates
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Michelle Robbins
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UPDATED: Jun 1, 2023
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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.
Estimated insurance prices for a Subaru Legacy are $1,350 every 12 months for full coverage. Comprehensive costs around $370, collision costs $506, and liability coverage costs around $338. A liability-only policy costs as low as $394 a year, with high-risk insurance costing around $2,872. Teen drivers pay the most at $4,778 a year or more.
Average premium for full coverage: $1,350
Premium estimates for type of coverage:
Price estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and for different Legacy trim levels.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Subaru Legacy go from the cheapest price of $394 for minimum levels of liability insurance to a much higher rate of $2,872 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Where you live has a large influence on auto insurance rates. Areas with sparse population are statistically proven to have more infrequent accident claims than larger metro areas.
The price range example below illustrates the difference location can make on auto insurance rates.
These rate differences show why anyone shopping for car insurance should compare prices for a specific zip code and their own driving history, rather than using 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.
Additional Rate Details
The chart below shows estimated Subaru Legacy insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $785
- Using higher $1,000 deductibles will save about $200 a year
- The average price for a 40-year-old good driver using $500 deductibles is $1,350
- Choosing more expensive low deductibles for physical damage coverage increases the price to $1,730
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,872 or more
- An auto insurance policy to insure a teenage driver with full coverage can be $4,778 or more
Auto insurance prices for a Subaru Legacy also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level and model year.
Choosing high deductibles could cut prices by as much as $580 a year, while increasing your policy's liability limits will increase prices. Going from a 50/100 liability limit to a 250/500 limit will cost up to $304 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay as much as $4,700 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying at least $1,500 to $2,100 in extra premium annually, depending on your age. High-risk driver insurance can be around 44% to 125% more than average. View High Risk Driver Rates
Where you choose to live has a huge impact on Subaru Legacy insurance rates. A driver around age 40 might see prices as low as $890 a year in states like Idaho, Maine, and Iowa, or as much as $1,930 on average in Michigan, Louisiana, and New York.
| 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% |
With such a large range in prices, the only way to know your exact price is to compare prices and see how they stack up. Each insurance company uses a different rate calculation, and quoted prices will be substantially different.
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Shop for Cheaper Subaru Legacy Insurance
Finding better rates on auto insurance requires avoiding accidents and violations, having a good credit score, not filing small claims, and maximizing policy discounts. Make time to compare rates at every policy renewal by obtaining price quotes from direct carriers, and also from local exclusive and independent agents.
The list below is a condensed summary of the data touched on in this article.
- Consumers who may need higher liability limits will pay about $370 each year to increase from 30/60 bodily injury limits to a 250/500 level
- Drivers can save up to $160 per year simply by shopping early and online
- Increasing policy deductibles could save as much as $575 each year
- Teenagers are expensive to insure, as much as $398 per month if comprehensive and collision insurance is included
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 | $4,778 |
| 20 | $3,032 |
| 30 | $1,418 |
| 40 | $1,350 |
| 50 | $1,228 |
| 60 | $1,204 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,730 |
| $250 | $1,556 |
| $500 | $1,350 |
| $1,000 | $1,150 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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