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 insurance prices for a Subaru Legacy are $1,350 every 12 months with full coverage. Comprehensive costs an estimated $370 a year, collision insurance costs $506, and liability costs $338. Liability-only coverage costs as little as $394 a year, and high-risk coverage costs around $2,872. Teens pay the highest rates at up to $4,778 a year.

Average premium for full coverage: $1,350

Price estimates broken down by individual coverage:

Comprehensive $370
Collision $506
Liability $338

Prices include $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and Legacy trim levels.

Price Range from Low to High

For a driver around age 40, Subaru Legacy insurance prices range from the cheapest price of $394 for minimum levels of liability insurance to a high of $2,872 for a driver who has had serious violations or accidents.

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

Geographic Price Range

Your location can make a big difference on car insurance rates. More rural locations have more infrequent collision claims than cities with more traffic congestion. The diagram below illustrates the difference between rural and urban areas on insurance prices.

Rural Areas $1,013
Small Cities $1,418
Large Cities $1,823

The ranges above demonstrate why it is important to compare rates for a targeted area and their own driving history, instead of making a decision based on 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.

Additional Rate Details

The chart below details average Subaru Legacy insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $785
  • Drivers who choose higher $1,000 deductibles will pay approximately $1,150 annually
  • The average price for the average middle-age driver who has $500 deductibles is $1,350
  • Selecting low $100 deductibles for comprehensive and collision insurance increases the price to $1,730
  • Drivers with serious driving violations could pay up to $2,872
  • The price to insure a 16-year-old driver can cost as much as $4,778 a year

View Chart as Image

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

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

Choosing higher comprehensive and collision insurance deductibles could save up to $580 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $304 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as low as $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay at least $4,700 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out $1,500 to $2,100 in extra premium each year, depending on your age. A high-risk auto insurance policy can cost from 44% to 125% more than the average policy. View High Risk Driver Rates

The state you live in makes a big difference in Subaru Legacy insurance prices. A 40-year-old driver could pay as low as $970 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,820 on average in New York, Michigan, and Florida.

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

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 Shop for the Right Subaru Legacy Insurance

Getting lower rates on insurance for a Subaru Legacy not only requires avoiding accidents and claims, but also having a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Set aside time to compare rates every other policy renewal by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The points below are a quick rundown of the ideas that were covered above.

  • Drivers under the age of 20 are the costliest to insure, costing up to $398 a month if comprehensive and collision insurance is included
  • Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,520 more annually to insure a Subaru Legacy
  • Increasing physical damage deductibles could save as much as $575 each year
  • You may be able to save approximately $160 per year just by quoting 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.

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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