UPDATED: Jul 31, 2020
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- 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.
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.
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.
|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 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.
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:
|Small overlap front: driver-side||Good|
|Small overlap front: passenger-side||Good|
|Moderate overlap front||Good|
|Head restraints and seats||Good|
|Source: Insurance Institute for Highway Safety|
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:
|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
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|
|Source: Insurance Institute for Highway Safety|
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.
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.
|Source: Insurance Information Institute|
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.
Cost of Insurance
Crash Avoidence Features
Forward Collision Warning
Forward Collision Auto Brake
Lane Departure Warning
Land Departure Prevention