Subaru Legacy Car Insurance Cost
Getting insurance for a Subaru Legacy typically costs about $1,022 per year through Unitrin. However, the exact cost can vary based on factors such as your age, the year of the car model, and other considerations. You can use our quote tables below to get an estimate of your specific costs.
We’ve saved shoppers an average of $600 per year on their car insurance.
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.
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?
Typically, Unitrin provides the most competitive price, averaging $1,022 per year for full coverage insurance on a 2024 Subaru Legacy.
While Unitrin’s pricing serves as a solid reference point, it’s crucial to understand that the cost of car insurance can vary significantly due to various factors. These factors include your location, driving history, the age of your car, and the specific coverage options you select. Maintaining a clean driving record can result in lower premiums, while a history of accidents or traffic violations may lead to higher costs.
Moreover, residing in an urban area with heavy traffic might result in higher insurance rates compared to rural areas with less traffic. Your choice of coverage will also impact your premium – comprehensive insurance, covering both comprehensive and collision, generally costs more than minimum liability coverage.
Insuranceopedia is available to help you compare quotes from different insurance companies, ensuring you secure the best deal for your needs.
2024 Subaru Legacy Insurance Rates
| 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
| 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
| 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
| 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
| 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
| 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
| 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
| 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
| 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
| 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
| 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
| 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
| 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
| 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
| 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
Cost of Subaru Legacy Car Insurance By Age
| 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
| 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 |
Compare Subaru Legacy To Other Subaru Models
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Our Methodology
To ensure accurate and trustworthy insurance company ratings, I employed a detailed methodology. I assess numerous insurers, utilizing insights from reputable review sites and critical metrics from industry authorities such as A.M. Best and J.D. Power. With my 15 years of experience as an insurance agent, I enhance our analysis with firsthand knowledge, ensuring our ratings are reliable guides for your insurance decision-making process.
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