Subaru Legacy Car Insurance Cost 2025
On average, insuring a Subaru Legacy costs $1,606 per year. However, the actual cost can vary depending on factors like your age, the car’s model year, and other individual considerations. You can use our quote tables below to get an estimate tailored to your specific situation.
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If you’re thinking about buying a Subaru Legacy, you’ll need to consider the cost of insurance. Insurance is a big part of owning a car, and it’s important to understand it before you buy. On average, insurance for a Subaru Legacy cost $1,606 per year.
Choosing the right car insurance is crucial to avoid unexpected and potentially high expenses later on. It’s essential to have sufficient coverage in case of an accident to prevent hefty out-of-pocket costs. Additionally, if you’re at fault in an accident, your insurance rates could go up.
With over ten years of experience analyzing car insurance rates, I’ve seen how much they can change. Things like your age, driving record, and where you live can all affect how much you pay for insurance.
How Much Does Subaru Legacy Car Insurance Cost?
On average, Subaru Legacy drivers can expect to pay around $1,606 per year for car insurance.
It’s important to understand that car insurance costs can vary widely based on several factors. These include your location, driving history, the model year of your car, and the specific coverage you choose. A clean driving record can help lower your premiums, while a history of accidents or traffic violations may lead to higher rates.
Living in an urban area with heavy traffic typically results in higher insurance premiums compared to rural areas, where traffic is less frequent. Additionally, the type of coverage you select will influence your premium — comprehensive coverage, which includes both comprehensive and collision, tends to be more expensive than basic liability coverage.
As shown in the table below, insuring a Subaru Legacy is less expensive compared to the average cost of all Subaru models. However, it is still more affordable than the overall average for all cars.
Insuranceopedia can help you compare quotes from multiple auto insurance providers, making it easier for you to find the best deal that fits your needs.
| Vehicle | Average Monthly Premium |
| Subaru Legacy | $144 |
| All Subarus | $159 |
| All Cars | $175 |
Average Insurance Cost Of Subaru Legacy Model Year
| Model Year | Average Premium |
| 2024 Subaru Legacy | $2,522 |
| 2023 Subaru Legacy | $1,012 |
| 2022 Subaru Legacy | $1,128 |
| 2021 Subaru Legacy | $737 |
| 2020 Subaru Legacy | $688 |
| 2019 Subaru Legacy | $725 |
| 2018 Subaru Legacy | $650 |
| 2017 Subaru Legacy | $808 |
| 2016 Subaru Legacy | $548 |
| 2015 Subaru Legacy | $580 |
| 2014 Subaru Legacy | $617 |
| 2013 Subaru Legacy | $498 |
| 2012 Subaru Legacy | $585 |
| 2011 Subaru Legacy | $513 |
| 2010 Subaru Legacy | $695 |
2024 Subaru Legacy Insurance Rates
The average annual insurance cost for a 2024 Subaru Legacy is $2,522. However, Unitrin offers the cheapest rates, averaging $1,022 per year.
| Insurance Provider | Average Annual Cost |
| Erie | $1,596 |
| Travelers | $4,439 |
| State Farm | $2,458 |
| New York Central Mutual Fire | $1,877 |
| Unitrin | $1,022 |
| Nationwide | $1,741 |
| National General Value | $1,441 |
| Allstate | $3,886 |
| Preferred Mutual | $4,304 |
| USAA | $2,454 |
2023 Subaru Legacy Insurance Rates
The average annual insurance cost for a 2023 Subaru Legacy is $1,012. However, Victoria offers the cheapest rates, averaging $308 per year.
| Insurance Provider | Average Annual Cost |
| Direct Auto | $731 |
| State Farm | $1,713 |
| SafeAuto | $1,032 |
| New York Central Mutual Fire | $957 |
| Victoria | $308 |
| Dairyland | $915 |
| Safeco | $364 |
| Liberty Mutual | $1,449 |
| Erie | $1,644 |
| Nationwide | $1,011 |
2022 Subaru Legacy Insurance Rates
The average annual insurance cost for a 2022 Subaru Legacy is $1,128. However, American National P offers the cheapest rates, averaging $807 per year.
| Insurance Provider | Average Annual Cost |
| Buckeye Insurance Group | $990 |
| West Bend Mutual | $1,306 |
| Celina Insurance Group | $1,223 |
| Farm Bureau Mutual (IA Group) | $1,151 |
| American National P | $807 |
| Safeco | $1,082 |
| New Jersey Manufacturers | $963 |
| Atlantic States Insurance | $1,249 |
| Rural Mutual Insurance | $1,328 |
| Western Reserve | $1,177 |
2021 Subaru Legacy Insurance Rates
The average annual insurance cost for a 2021 Subaru Legacy is $737. However, Victoria offers the cheapest rates, averaging $270 per year.
| Insurance Provider | Average Annual Cost |
| Concord Group | $708 |
| PEMCO | $927 |
| Countryway Insurance | $856 |
| Safeco | $689 |
| Victoria | $270 |
| Dairyland FR Bond | $691 |
| Kemper Auto | Infinity | $572 |
| Plymouth Rock Assurance | $890 |
| SafeAuto | $908 |
| New York Central Mutual Fire | $862 |
2020 Subaru Legacy Insurance Rates
The average annual insurance cost for a 2020 Subaru Legacy is $688. However, Victoria offers the cheapest rates, averaging $320 per year.
| Insurance Provider | Average Annual Cost |
| Buckeye Insurance Group | $564 |
| PEMCO | $873 |
| Plymouth Rock | $777 |
| Safeco | $716 |
| Victoria | $320 |
| 21st Century | $691 |
| American National P | $488 |
| Mercury Insurance | $843 |
| North Carolina Farm Bureau | $878 |
| Direct Auto | $733 |
2019 Subaru Legacy Insurance Rates
The average annual insurance cost for a 2019 Subaru Legacy is $725. However, Safeco offers the cheapest rates, averaging $77 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Premium | $509 |
| Union Mutual Fire Group | $983 |
| Rockford Mutual Insurance | $907 |
| Kemper Auto | Infinity | $824 |
| Safeco | $77 |
| Plymouth Rock | $757 |
| Buckeye Insurance Group | $414 |
| PEMCO | $961 |
| National General Value | $956 |
| Pekin Insurance | $858 |
2018 Subaru Legacy Insurance Rates
The average annual insurance cost for a 2018 Subaru Legacy is $650. However, Kemper Auto | Infinity offers the cheapest rates, averaging $260 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $419 |
| West Bend Mutual | $842 |
| Infinity Special | $750 |
| NatGen Custom 360 | $725 |
| Kemper Auto | Infinity | $260 |
| 21st Century | $668 |
| Mercury Insurance | $437 |
| Rockford Mutual Insurance | $772 |
| SECURA Insurance | $869 |
| Ohio Mutual Ins Group | $754 |
2017 Subaru Legacy Insurance Rates
The average annual insurance cost for a 2017 Subaru Legacy is $808. However, Safeco offers the cheapest rates, averaging $290 per year.
| Insurance Provider | Average Annual Cost |
| Countryway Insurance | $751 |
| GMAC Insurance Group | $1,114 |
| Clearcover | $996 |
| Capital Insurance Group | $863 |
| Safeco | $290 |
| PEMCO | $746 |
| Kemper Personal Insurance | $291 |
| West Bend Mutual | $1,016 |
| Unigard | $1,081 |
| SafeAuto | $931 |
2016 Subaru Legacy Insurance Rates
The average annual insurance cost for a 2016 Subaru Legacy is $548. However, Safeco offers the cheapest rates, averaging $168 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $396 |
| Commerce Group Inc | $780 |
| Dairyland FR Bond | $626 |
| Dairyland Broadform | $529 |
| Safeco | $168 |
| NatGen Custom 360 | $526 |
| American National P | $416 |
| Utica National Ins Group | $689 |
| Ohio Mutual Ins Group | $748 |
| Buckeye Insurance Group | $606 |
2015 Subaru Legacy Insurance Rates
The average annual insurance cost for a 2015 Subaru Legacy is $580. However, Kemper Personal Insurance offers the cheapest rates, averaging $94 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Auto Premier | $369 |
| AssuranceAmerica Economy | $837 |
| North Carolina Farm Bureau | $757 |
| Utica National Ins Group | $694 |
| Kemper Personal Insurance | $94 |
| American National P | $422 |
| Safeco | $213 |
| SafeAuto | $855 |
| MMG Insurance Company | $871 |
| Clearcover | $689 |
2014 Subaru Legacy Insurance Rates
The average annual insurance cost for a 2014 Subaru Legacy is $617. However, Safeco offers the cheapest rates, averaging $108 per year.
| Insurance Provider | Average Annual Cost |
| Buckeye Insurance Group | $560 |
| Country | $968 |
| Ohio Mutual Ins Group | $684 |
| Tennessee Farmers | $663 |
| Safeco | $108 |
| Kemper Auto | Infinity | $562 |
| American National P | $313 |
| SECURA Insurance | $799 |
| Indiana Farmers Mutual Ins | $815 |
| 21st Century | $698 |
2013 Subaru Legacy Insurance Rates
The average annual insurance cost for a 2013 Subaru Legacy is $498. However, Mercury Insurance offers the cheapest rates, averaging $150 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $440 |
| Kemper Auto | Infinity | $762 |
| PEMCO | $601 |
| Kemper Premium | $468 |
| Mercury Insurance | $150 |
| AssuranceAmerica Economy | $458 |
| Safeco | $187 |
| Buckeye Insurance Group | $681 |
| West Bend Mutual | $715 |
| Rural Mutual Insurance | $516 |
2012 Subaru Legacy Insurance Rates
The average annual insurance cost for a 2012 Subaru Legacy is $585. However, Kemper Auto | Infinity offers the cheapest rates, averaging $150 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $226 |
| Countryway Insurance | $886 |
| Concord Group | $767 |
| PEMCO | $700 |
| Kemper Auto | Infinity | $150 |
| American National P | $614 |
| NatGen Custom 360 | $158 |
| SafeAuto | $788 |
| SECURA Insurance | $816 |
| Buckeye Insurance Group | $745 |
2011 Subaru Legacy Insurance Rates
The average annual insurance cost for a 2011 Subaru Legacy is $513. However, Safeco offers the cheapest rates, averaging $46 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland Broadform | $272 |
| National General Value | $753 |
| Pekin Insurance | $678 |
| PEMCO | $662 |
| Safeco | $46 |
| American National P | $363 |
| NatGen Custom 360 | $231 |
| Kemper Personal Insurance | $727 |
| Texas Farm Bureau Group | $743 |
| SafeAuto | $652 |
2010 Subaru Legacy Insurance Rates
The average annual insurance cost for a 2010 Subaru Legacy is $695. However, Safeco offers the cheapest rates, averaging $253 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $606 |
| SafeAuto | $828 |
| SECURA Insurance | $773 |
| Tennessee Farmers | $783 |
| Safeco | $253 |
| North Carolina Farm Bureau | $687 |
| Buckeye Insurance Group | $592 |
| Virginia Farm Bureau | $859 |
| Concord Group | $828 |
| PEMCO | $740 |
Find Affordable Subaru Legacy Car Insurance Rates
Is A Subaru Legacy Car Insurance Expensive To Insure?
Insuring a Subaru Legacy is more affordable than the overall average for all cars. However, the actual cost of your car insurance will depend on various factors, including your age, the age of your car, your location, and other individual details.
Cost of Subaru Legacy Car Insurance By Age
Age is a major factor in determining insurance rates for any vehicle. Teen drivers usually face the highest premiums because they are statistically more likely to be involved in accidents than other age groups. As you get older, your premiums tend to decrease, reflecting a lower risk to insurers.
| Drive Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $6,976 | $10,274 | $12,015 |
| 18 | $6,532 | $9,520 | $11,175 |
| 19 | $5,719 | $8,428 | $9,864 |
| 20 | $5,037 | $7,344 | $8,633 |
| 21 | $4,216 | $6,150 | $7,235 |
| 22 | $4,120 | $5,985 | $7,009 |
| 23 | $3,589 | $5,278 | $6,128 |
| 24 | $3,415 | $4,982 | $5,830 |
| 25 | $2,962 | $4,331 | $5,066 |
| 30 | $2,290 | $3,351 | $3,904 |
| 35 | $2,149 | $3,143 | $3,689 |
| 40 | $2,065 | $3,012 | $3,551 |
| 45 | $1,987 | $2,972 | $3,437 |
| 55 | $1,869 | $2,706 | $3,163 |
| 65 | $1,906 | $2,836 | $3,299 |
| 75 | $2,420 | $3,564 | $4,151 |
Subaru Legacy Car Insurance Rates By State
Where you live plays a significant role in how insurance companies determine your rates. Each state has its own auto insurance regulations, so, for example, drivers in Michigan often face higher premiums due to the state’s requirement for more extensive coverage. Additionally, the climate in your location matters — some states experience extreme weather like hurricanes, storms, and flooding, which can increase insurance costs.
Furthermore, each area has its own crime and accident statistics, including car theft rates, crashes, and fatalities. Insurance companies factor all of these elements into the calculation of your Subaru Legacy’s insurance rate.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,168 | $3,156 | $4,020 |
| Alaska | $1,809 | $2,512 | $2,431 |
| Arizona | $2,031 | $2,964 | $4,345 |
| Arkansas | $2,202 | $3,517 | $3,827 |
| California | $2,499 | $4,392 | $2,491 |
| Colorado | $2,353 | $3,227 | $4,166 |
| Connecticut | $2,951 | $4,619 | $5,855 |
| Delaware | $2,457 | $3,303 | $4,183 |
| Florida | $2,942 | $4,056 | $5,281 |
| Georgia | $990 | $1,312 | $960 |
| Hawaii | $1,639 | $2,209 | $2,696 |
| Idaho | $1,744 | $2,641 | $2,995 |
| Illinois | $1,787 | $2,750 | $3,087 |
| Indiana | $1,389 | $1,931 | $2,272 |
| Iowa | $1,859 | $2,763 | $3,220 |
| Kansas | $2,716 | $4,005 | $4,687 |
| Kentucky | $3,487 | $5,264 | $5,728 |
| Louisiana | $1,317 | $1,844 | $2,672 |
| Maine | $2,105 | $3,117 | $3,445 |
| Maryland | $1,728 | $2,976 | $1,699 |
| Massachusetts | $4,146 | $6,297 | $9,888 |
| Michigan | $1,680 | $2,228 | $3,181 |
| Minnesota | $2,012 | $2,885 | $2,938 |
| Mississippi | $1,930 | $2,740 | $3,626 |
| Missouri | $1,943 | $2,722 | $3,221 |
| Montana | $1,627 | $2,446 | $2,671 |
| Nebraska | $2,756 | $4,072 | $4,294 |
| Nevada | $1,908 | $3,017 | $3,810 |
| New Hampshire | $2,109 | $3,291 | $4,301 |
| New Jersey | $2,144 | $3,193 | $3,327 |
| New Mexico | $1,987 | $2,541 | $4,169 |
| New York | $1,241 | $2,096 | $1,492 |
| North Carolina | $1,642 | $2,556 | $3,026 |
| North Dakota | $1,501 | $2,344 | $2,364 |
| Ohio | $2,409 | $3,440 | $3,878 |
| Oklahoma | $2,139 | $2,903 | $3,477 |
| Oregon | $1,848 | $2,681 | $3,193 |
| Pennsylvania | $3,071 | $4,500 | $5,047 |
| Rhode Island | $2,108 | $2,894 | $3,989 |
| South Carolina | $1,881 | $2,704 | $3,098 |
| South Dakota | $2,194 | $3,224 | $4,345 |
| Tennessee | $2,207 | $3,200 | $3,953 |
| Texas | $1,893 | $2,638 | $3,633 |
| Utah | $1,463 | $2,243 | $2,346 |
| Vermont | $1,366 | $2,074 | $2,067 |
| Virginia | $1,827 | $2,478 | $2,928 |
| Washington | $1,860 | $2,624 | $3,271 |
| West Virginia | $1,797 | $2,824 | $3,262 |
| Wisconsin | $1,691 | $2,367 | $2,530 |
| Wyoming | $2,394 | $3,610 | $3,602 |
Find Affordable Subaru Legacy Car Insurance Rates
Cheapest Car Insurance Companies For A Subaru Legacy
If you’re looking to purchase a new car insurance policy for your Subaru Legacy, you might want to know which companies offer the lowest rates. For drivers seeking the most affordable option, Hugo offers a premium of $21 per month, making them the cheapest provider for a Subaru Legacy. However, rates can vary based on your driver profile, so this is just an average. To find the best rates for your specific situation, it’s best to shop around and compare quotes from different insurers.
| Company | Average Monthly Rate |
| Hugo | $21 |
| Safeco | $48 |
| Commonwealth Casualty | $36 |
| Clearcover | $43 |
| AnswerFinancial | $42 |
Common Subaru Legacy Insurance Discounts
Discounts are a great way to reduce your car insurance premiums. While each provider offers its own set of discounts, here are some common ones you may be eligible for:
- Multi-policy: Bundling your home and auto insurance policies with the same provider often results in a discount.
- Pay annually: If you pay your premium in full rather than monthly, you may receive a discount.
- Defensive driving: Completing a defensive driving course from a certified institution can make you eligible for lower rates.
There are other discounts available as well. It’s a good idea to talk to your insurance agent, who can help you identify which ones you qualify for.
Ways To Save On Subaru Legacy Insurance Costs
Maintaining a clean driving record is one of the best ways to keep your Subaru Legacy insurance premiums low. Getting a speeding ticket or being involved in an accident can lead to higher costs. For example, Subaru Legacy drivers with a ticket on their record can expect to pay around $77 per month, while those with multiple accidents will pay an average of $129 per month. By avoiding these incidents, you can help keep your insurance rates down.
Additionally, drivers with lower annual mileage typically pay less for insurance. Since they are on the road less often, they have fewer chances of being involved in accidents, making them a lower risk to insure. Subaru Legacy drivers who drive between 5,000 and 7,500 miles per year pay about $70 per month, while those who drive over 10,000 miles annually pay around $79 per month.
Compare Subaru Legacy To Other Subaru Models
Looking for other Subaru model insurance costs?
Our Methodology
To calculate average car insurance costs, Insuranceopedia gathered thousands of quotes from top auto insurance providers. The sample profile used was for a 40-year-old male driver purchasing full-coverage car insurance with coverage limits of $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. However, the figures in this guide may vary from your individual results, as rates are based on personal factors specific to each driver.
Quotes Analyzed
Brands Reviewed
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Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A Subaru Legacy?
Yes, you will need to provide proof of insurance before driving your Subaru Legacy off the dealership lot. The best approach is to purchase a policy in advance and inform your insurance company that you’re about to buy the car, rather than obtaining insurance through the dealership. This ensures you are fully covered before taking your new car on the road.
How Can You Get The Cheapest Insurance For Your Subaru Legacy?
The best way to find the most affordable rates for your Subaru Legacy is by shopping around and comparing quotes from various auto insurance companies. Fortunately, Insuranceopedia makes it easy to compare quotes from multiple providers directly on our website.
