Subaru Legacy Insurance Cost [How to Find Cheap Rates]

Average Subaru Legacy auto insurance rates cost $113 per month ($1,350 per year). Teens pay the highest rates at up to $4,934 a year, while good drivers may only pay $793.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 15, 2021

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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 don’t need to trip you up. Subaru Legacy insurance costs around $169 less per year than the average vehicle. Read on to learn more about insurance rates for a Subaru Legacy and ways to save.

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 rates 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 Chevrolet Malibu, Nissan Altima, and Volkswagen Passat.

Vehicle Comprehensive Collision Liability Total
Subaru Legacy $370 $506 $338 $1,350
Chevrolet Malibu $322 $532 $372 $1,384
Nissan Altima $306 $570 $390 $1,424
Volkswagen Passat $332 $600 $390 $1,480
Subaru Impreza $320 $542 $390 $1,410
Cadillac ATS $294 $566 $398 $1,416
Hyundai Elantra $280 $562 $372 $1,372
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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 will affect the total price you will pay for Subaru Legacy insurance coverage.

Age of the Vehicle

Older Subaru Legacy models generally cost less to insure. For example, auto 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
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Driver Age

Driver age can have a significant impact on the cost of Subaru Legacy auto insurance. For example, 20-year-old drivers pay as much as $1,710 more each year for their Subaru Legacy auto 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 Phoenix may pay $743 a year less than drivers in Los Angeles.

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
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Subaru Legacy Crash Test Ratings

Good Subaru Legacy crash test ratings can lower your Subaru Legacy auto insurance rates. See Subaru Legacy crash test results below:

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
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Subaru Legacy Safety Features

Good Subaru Legacy safety features can result in insurers giving you car insurance discounts. The safety features for the 2020 Subaru Legacy are:

  • 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

The Subaru Legacy’s insurance loss probability varies between different coverage types. The lower percentage means lower Subaru Legacy auto insurance costs; higher percentages mean higher Subaru Legacy auto insurance costs.

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
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Subaru Legacy Finance and Insurance Cost

If you are financing a Subaru Legacy, you will pay more if you purchase Subaru Legacy car insurance at the dealership, 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 can save more money on your Subaru Legacy auto insurance rates by employing any of the following five strategies.

  • Make Sure You Use an Accredited Driver Safety Program
  • Ask for a Higher Deductible for Your Subaru Legacy Insurance Policy
  • Take Public Transit Instead of Driving Your Subaru Legacy
  • Move to an Area with a Lower Cost of Living
  • Tell Your Insurer About Different Drivers or Uses for Your Subaru Legacy

Top Subaru Legacy Insurance Companies

Who is the top car 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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Compare Free Subaru Legacy Insurance Quotes Online

You can start comparing quotes for Subaru Legacy auto insurance rates from some of the best auto insurance companies by using our free online tool now.

Crash Test Safety Ratings

Year Overall Frontal Crash Side Crash Rollover
2015
2014
5
5
5
5
2013
5
5
5
5
2012
0
4
0
0
2011
4
4
4
4

Crash Avoidence Features

Forward Collision Warning

Optional

Forward Collision Auto Brake

Optional

Lane Departure Warning

Optional

Land Departure Prevention

Not Available

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