Best Subaru Legacy Car Insurance Quotes (2024)
Average Subaru Legacy insurance rates cost $1,350 a year, or around $113 a month. Teens pay the highest rates at up to $4,934 a year, while good drivers may only pay $793.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Key takeaways:
- Full coverage costs around $1,350 a year or $113 each month
- A liability-only policy costs around $541 a year or $45 each month
- Highest rates are for teenage drivers at around $4,934 a year or $411 each month
- Good drivers can save as much as $557 a year by earning policy discounts
- Subaru Legacy insurance costs around $169 less per year than the average vehicle
Subaru Legacy insurance rates are about $169 less per year than the average vehicle with full coverage costing around $1,350 a year or $113 a month. Good drivers save up to $557 a year in policy discounts by practicing safe driving habits. Let’s take a closer look at Subaru Legacy insurance rates, safety ratings, and more.
You can start comparing quotes for Subaru Legacy car insurance rates from some of the best car insurance companies by using our free online tool now.
Subaru Legacy Insurance Cost
The average Subaru Legacy car insurance costs are $1,350 a year or $113 a month.
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Are Subaru Legacys Expensive to Insure?
The chart below details how Subaru Legacy insurance rates compare to other sedans like the Volkswagen Passat, Audi S4, and Chrysler 300.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Subaru Legacy | $370 | $506 | $338 | $1,350 |
| Volkswagen Passat | $332 | $600 | $390 | $1,480 |
| Audi S4 | $370 | $744 | $338 | $1,588 |
| Chrysler 300 | $332 | $626 | $398 | $1,514 |
| Chevrolet Blazer | $376 | $688 | $316 | $1,516 |
| MINI Hardtop 4 Door | $294 | $566 | $398 | $1,416 |
| Audi S3 | $356 | $744 | $264 | $1,474 |
However, there are a few things you can do to find the cheapest Subaru insurance rates online.
What Impacts the Cost of Subaru Legacy Insurance?
The Subaru Legacy trim and model you choose can impact the total price you will pay for Subaru Legacy auto insurance coverage.
Age of the Vehicle
Older Subaru Legacy models generally cost less to insure. For example, car insurance for a 2018 Subaru Legacy costs $1,350, while 2010 Subaru Legacy insurance costs are $1,100, a difference of $250.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2018 Subaru Legacy | $370 | $506 | $338 | $1,350 |
| 2017 Subaru Legacy | $356 | $494 | $354 | $1,340 |
| 2016 Subaru Legacy | $344 | $474 | $364 | $1,318 |
| 2015 Subaru Legacy | $326 | $458 | $376 | $1,296 |
| 2014 Subaru Legacy | $312 | $424 | $384 | $1,256 |
| 2013 Subaru Legacy | $300 | $400 | $388 | $1,224 |
| 2012 Subaru Legacy | $288 | $358 | $390 | $1,172 |
| 2011 Subaru Legacy | $270 | $330 | $390 | $1,126 |
| 2010 Subaru Legacy | $260 | $310 | $394 | $1,100 |
Driver Age
Driver age can have a significant effect on Subaru Legacy car insurance rates. For example, 30-year-old drivers pay $59 more for Subaru Legacy car insurance than 40-year-old drivers.
Driver Location
Where you live can have a large impact on Subaru Legacy insurance rates. For example, drivers in New York may pay $823 a year more than drivers in Seattle.
Your Driving Record
Your driving record can have an impact on the cost of Subaru Legacy car insurance. Teens and drivers in their 20’s see the highest jump in their Subaru Legacy car insurance with violations on their driving record.
Subaru Legacy Safety Ratings
Your Subaru Legacy auto insurance rates are influenced by the Subaru Legacy’s safety ratings. See the breakdown below:
| Test Type | Rating |
| 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 |
| Source: Insurance Institute for Highway Safety | |
Subaru Legacy Crash Test Ratings
Subaru Legacy crash test ratings will affect your Subaru Legacy car insurance rates.
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| 2020 Subaru Legacy 4 DR AWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2019 Subaru Legacy 4 DR AWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2018 Subaru Legacy 4 DR AWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2017 Subaru Legacy 4 DR AWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2016 Subaru Legacy 4 DR AWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
Subaru Legacy Safety Features
The safety features of the Subaru Legacy can impact your Subaru Legacy car insurance rates. The Subaru Legacy has the following safety features:
- Driver Air Bag
- Passenger Air Bag
- Front Head Air Bag
- Rear Head Air Bag
- Front Side Air Bag
- 4-Wheel ABS
- 4-Wheel Disc Brakes
- Brake Assist
- Electronic Stability Control
- Daytime Running Lights
- Child Safety Locks
- Traction Control
- Lane Departure Warning
- Lane Keeping Assist
Subaru Legacy Insurance Loss Probability
Insurance loss probability on the Subaru Legacy fluctuates between each type of coverage. The lower percentage means lower Subaru Legacy car insurance rates; higher percentages mean higher Subaru Legacy auto insurance rates.
| Insurance Coverage Category | Loss Rate |
| Collision | -26% |
|---|---|
| Property Damage | -36% |
| Comprehensive | 15% |
| Personal Injury | -17% |
| Medical Payment | -20% |
| Bodily Injury | -24% |
| Source: Insurance Institute for Highway Safety | |
Subaru Legacy Finance and Insurance Cost
If you are financing a Subaru Legacy, most lenders will require your carry higher Subaru Legacy coverage options including comprehensive coverage, so be sure to shop around and compare Subaru Legacy car insurance quotes from the best companies using our FREE tool below.
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Ways to Save on Subaru Legacy Insurance
You have more options at your disposal to save money on your Subaru Legacy auto insurance costs. For example, try taking advantage of the following five strategies to reduce your Subaru Legacy car insurance rates
- Provide Your Subaru Legacy VIN When Requesting Subaru Legacy Auto Insurance Quotes
- Improve Your Credit Score
- Start Searching for New Subaru Legacy Car Insurance a Month Before Your Renewal
- Choose a Subaru Legacy with Cheaper Repair Costs
- Work with a Direct Insurer Instead of an Insurance Broker for Your Subaru Legacy
Top Subaru Legacy Insurance Companies
Who is the top auto insurance company for Subaru Legacy insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Subaru Legacy auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Subaru Legacy offers.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | GEICO | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
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Frequently Asked Questions
What is the average cost of Subaru Legacy car insurance?
The cost of Subaru Legacy car insurance can vary widely depending on a number of factors, including the driver’s age and driving record, location, and the level of coverage chosen. On average, however, car insurance for a Subaru Legacy can cost between $800 and $1,500 per year.
Are there any discounts available for Subaru Legacy car insurance?
Yes, many insurance providers offer discounts for Subaru Legacy car insurance. These can include safe driving discounts, multi-policy discounts, and discounts for installing anti-theft devices in your car. Be sure to ask your insurance provider about available discounts to help lower your insurance costs.
What types of coverage are available for Subaru Legacy car insurance?
The types of coverage available for Subaru Legacy car insurance include liability coverage, which covers damages to other vehicles and property in an accident, as well as collision coverage, which covers damages to your own vehicle in a collision. Comprehensive coverage is also available, which covers damages to your vehicle from non-collision events such as theft or weather-related damage.
What is the average cost of Subaru Legacy car insurance?
The cost of Subaru Legacy car insurance can vary widely depending on a number of factors, including the driver’s age and driving record, location, and the level of coverage chosen. On average, however, car insurance for a Subaru Legacy can cost between $800 and $1,500 per year.
Are there any discounts available for Subaru Legacy car insurance?
Yes, many insurance providers offer discounts for Subaru Legacy car insurance. These can include safe driving discounts, multi-policy discounts, and discounts for installing anti-theft devices in your car. Be sure to ask your insurance provider about available discounts to help lower your insurance costs.
How much car insurance coverage do I need for my Subaru Legacy?
The amount of car insurance coverage you need for your Subaru Legacy depends on several factors, including the value of your car, your budget, and your level of risk tolerance. It’s generally recommended to carry enough coverage to protect your assets in case of an accident or other incident. You may want to consider liability coverage limits of at least $100,000 per person and $300,000 per accident, and collision and comprehensive coverage with a deductible that you can comfortably afford.
What factors affect the cost of Subaru Legacy car insurance quotes?
Several factors can affect the cost of Subaru Legacy car insurance quotes, including the driver’s age, driving record, location, and the level of coverage chosen. Additionally, the value of the car and the likelihood of it being stolen or involved in an accident can also impact the cost of insurance.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.