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Are Subaru Legacys Expensive to Insure? [Everything You Need to Know]

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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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jul 15, 2020

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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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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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