Subaru Legacy Insurance Rates: How much would car insurance cost for a Subaru Legacy?

The average Subaru Legacy insurance costs $116/month. High safety ratings and great safety features can allow for discounts for lower rates. Mature drivers with good driving records may find rates as low as $793 a year. Compare cheap Subaru Legacy insurance quotes now!

Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 29, 2021

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Here's what you need to know...

  • 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
  • The Subaru Legacy has many important safety features
  • The Legacy received the highest possible rating in government crash tests
  • Your driving history will impact your Subaru Legacy insurance rates more than anything else

Subaru Legacy car insurance rates amount to $1,350 a year, or around $113 a month on average. Some of the determining factors that ultimately determine Subaru Legacy rates include the age and location of the driver, along with the model year of the car. Take advantage of this thorough article to aid you in your search for affordable Subaru Legacy insurance rates.

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 auto 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 Subaru WRX, Nissan Altima, and Hyundai Elantra.

Vehicle Comprehensive Collision Liability Total
Subaru Legacy $370 $506 $338 $1,350
Subaru WRX $320 $566 $338 $1,360
Nissan Altima $306 $570 $390 $1,424
Hyundai Elantra $280 $562 $372 $1,372
MINI Hardtop 4 Door $294 $566 $398 $1,416
Honda Civic $280 $656 $420 $1,536
Chrysler 300 $332 $626 $398 $1,514

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 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 the cost of Subaru Legacy car insurance. For example, 30-year-old drivers pay approximately $59 more for their 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 Los Angeles may pay $500 a year more than drivers in Philadelphia.

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 rates with violations on their driving record.

Subaru Legacy Safety Ratings

The Subaru Legacy’s safety ratings will affect your Subaru Legacy car insurance rates. See the chart 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

The crash test ratings of the Subaru Legacy can impact 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

Having a variety of safety features on your Subaru Legacy can help lower your insurance costs. According to AutoBlog, the 2020 Subaru Legacy’s safety features include:

  • 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

The Key Safety Features of a Subaru Legacy

  • Electronic Stability Control
  • Four-Wheel Anti-Lock Brakes
  • Daytime Running Lights
  • Child Seat Anchoring
  • Adjustable Seat Belts Height
  • Multiple Airbags (side, front, head)
  • Rear Seat Head Restraints
  • Trunk Release
  • Seat Belt Tensioners

In government crash test ratings the Subaru Legacy was able to garner a perfect five out of five stars for frontal impact collisions. Side impact crash tests also received a perfect score.

Luckily, Subaru Legacy car insurance costs are generally very reasonable since the vehicle is one of the safest in its class.

Subaru has a great history of producing reliable vehicles, and car insurance companies certainly look favorably upon all the safety features this vehicle offers.

The overall safety provided to the occupants is probably the most important factor that helps owners get very fair prices when insuring their legacy.

Subaru Legacy Insurance Loss Probability

The Subaru Legacy’s insurance loss ratio varies between different coverage types. While some types of insurance loss ratios are higher for the Subaru Legacy, others are more favorable and lead to lower 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 rates from the best companies using our FREE tool below.

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

  • Compare Apples to Apples When Comparing Subaru Legacy Insurance Quotes and Policies
  • Take a Defensive Driving Course or Any Driver’s Education Course
  • Get Married and Ask for a Discount
  • Remove Young Drivers from Your Subaru Legacy Insurance Plan
  • Ask About Subaru Legacy Safety Discounts

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

Compare Free Subaru Legacy Insurance Quotes Online

Start comparing Subaru Legacy auto insurance quotes for free by using our FREE online comparison tool.

Most drivers want to know if the Subaru Legacy is expensive to insure. Subaru Legacy car insurance costs will vary depending on your personal driving habits, driving record, the value of the vehicle, and a plethora of other factors as well.

You may be amazed at how significant the cost differences are for similar policies from different providers.

The main reason for the discrepancies is that each company has a different set of calculations they use to determine their risk of insuring you and how they factor in your vehicle’s safety features.

Enter your ZIP code now for a free Subaru Legacy car insurance comparison!

Finding Low Cost Subaru Legacy Car Insurance Rates

While there are many things you can’t control when looking for Subaru car insurance, there are certainly some you can. You may benefit from getting a higher deductible from your policy.

It is important to remember, though, that a higher deductible will mean you have to pay a bit more if you actually are in an accident so safe drivers are the ones who really benefit from it.

Getting homeowners insurance from the same company can also help you get a better rate. In some states, there are also programs available for low-cost insurance, though not everybody can qualify.

The best way to get the best Subaru Legacy car insurance rate is to shop around and get quotes from as many providers as possible.

If you want to get a great car insurance rate for your Subaru Legacy, the best thing you can do is be a safe driver.

Most companies provide at least some sort of discount for those individuals that have proven they are a safe driver. Previous accidents can greatly increase how much you pay because you may be seen as more of a risk to the insurance company.

Moving traffic violations will also be detrimental to lowering insurance costs. Having a claims history will also be negative, the more times you have made a claim, the higher of a risk you a perceived to be based on your history.

Getting all of the available discounts for your Subaru Legacy car insurance is important. Most companies have specific incentive for other aspects beyond how safe of a driver you are. Age can be important, along with other personal factors.

Being a good student can help lower younger persons insurance rates drastically. Again, remember that getting quotes from as many companies as possible is the best way to ensure you get a great rate.

Compare personalized Subaru Legacy car insurance rate quotes online! It’s easy and FREE!

References:

  1. https://www.subaru.com/vehicles/legacy/index.html
  2. http://articles.philly.com/2015-12-28/news/69337162_1_car-insurance-rate-auto-insurance-insurance-quotes-com
  3. https://www.flickr.com/photos/[email protected]/15239025608/sizes/h/
  4. https://www.ncbi.nlm.nih.gov/pubmed/16484031
  5. https://www.nhtsa.gov/Research/Light+Vehicle+Antilock+Brake+Systems+(ABS)+Research+Program
  6. https://www.nhtsa.gov/Safety/LATCH
  7. https://www.safercar.gov

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