Subaru Legacy Insurance Cost

Auto insurance for a Subaru Legacy will cost about $1,453 per year.

This beats the national average for popular sedan models by $334. Our car insurance comparison study assumes a 40 year old good driver with full coverage and good credit that drives around 13,000 miles per year. They also assume a single-car policy on a brand-new vehicle, and won't reflect any multi-car discounts.

Auto insurance premiums vary a great deal by age, state, insurance company and mileage. Factors such as recent accidents, traffic violations, credit history also impact these rates. The following chart illustrates how some of these scenarios affect the cost of car insurance for a Subaru Legacy.

Good Driver and Credit
Recent At-Fault Accident
Poor Credit Rating

Subaru Legacy insurance rates can also differ significantly between providers for the same coverage. If you've been with your current insurance company for more than a few years, you should get new quotes to make sure you're not overpaying. Try our Competitive Quote Tool or the form below to get free quotes to lower your insurance costs. Advertising Disclosure

Subaru Legacy Insurance Cost by Age

Age Good Driver Recent Accident Poor Credit
17 $4,921 $7,226 $8,453
18 $4,586 $6,734 $7,878
19 $4,053 $5,951 $6,962
20 $3,534 $5,189 $6,070
21 $2,964 $4,352 $5,091
22 $2,886 $4,238 $4,958
23 $2,525 $3,708 $4,338
24 $2,399 $3,523 $4,121
25 $2,070 $3,040 $3,557
30 $1,613 $2,368 $2,771
35 $1,511 $2,218 $2,595
40 $1,453 $2,133 $2,496
45 $1,414 $2,076 $2,428
55 $1,297 $1,904 $2,227
65 $1,352 $1,986 $2,323
75 $1,707 $2,507 $2,932

Subaru Legacy car insurance premiums can cost a lot more or less depending on where you live. Rates are more expensive in Michigan because they mandate much higher coverage levels. California, Hawaii and Massachusetts don't allow providers to adjust rates based on credit. These figures also do not include the potential discounts on a multi-vehicle policy. Those can provide significant savings to a household full of drivers. The table below is a breakdown of how these factors can affect Subaru Legacy by state.

Subaru Legacy Insurance Rates by State

State Good Driver Recent Accident Poor Credit
Alabama $1,539 $2,236 $2,846
Alaska $1,273 $1,765 $1,716
Arizona $1,439 $2,081 $3,066
Arkansas $1,578 $2,480 $2,730
California $1,757 $3,107 $1,757
Colorado $1,640 $2,295 $2,911
Connecticut $2,095 $3,249 $4,124
Delaware $1,734 $2,311 $2,969
Florida $2,065 $2,857 $3,723
Georgia $1,683 $2,517 $2,538
Hawaii $672 $913 $672
Idaho $1,168 $1,549 $1,883
Illinois $1,223 $1,848 $2,108
Indiana $1,256 $1,921 $2,155
Iowa $995 $1,365 $1,605
Kansas $1,324 $1,926 $2,253
Kentucky $1,914 $2,809 $3,318
Louisiana $2,457 $3,714 $4,027
Maine $929 $1,284 $1,896
Maryland $1,503 $2,188 $2,430
Massachusetts $1,206 $2,103 $1,206
Michigan $2,909 $4,434 $6,993
Minnesota $1,198 $1,597 $2,249
Mississippi $1,446 $2,062 $2,076
Missouri $1,362 $1,948 $2,559
Montana $1,385 $1,933 $2,249
Nebraska $1,171 $1,731 $1,881
Nevada $1,931 $2,864 $3,026
New Hampshire $1,343 $2,124 $2,685
New Jersey $1,480 $2,322 $3,039
New Mexico $1,511 $2,248 $2,334
New York $1,400 $1,763 $2,943
North Carolina $868 $1,491 $1,063
North Dakota $1,188 $1,805 $2,135
Ohio $1,059 $1,633 $1,675
Oklahoma $1,691 $2,421 $2,726
Oregon $1,539 $2,065 $2,466
Pennsylvania $1,296 $1,903 $2,226
Rhode Island $2,164 $3,174 $3,574
South Carolina $1,470 $2,037 $2,811
South Dakota $1,318 $1,900 $2,192
Tennessee $1,551 $2,283 $3,040
Texas $1,562 $2,256 $2,806
Utah $1,328 $1,861 $2,561
Vermont $1,023 $1,575 $1,665
Virginia $963 $1,479 $1,450
Washington $1,275 $1,731 $2,067
West Virginia $1,283 $1,837 $2,302
Wisconsin $1,279 $1,997 $2,278
Wyoming $1,194 $1,672 $1,780

Subaru Legacy Insurance Rankings

Insurance Rankings

We've ranked over 200 models from best to worst for Insurance. See where the Subaru Legacy ranks for Insurance compared to other vehicles. Also check out how the Legacy stacks up in our rankings for Depreciation, Maintenance, Overall Costs.

Insurance Rankings

Other Subaru Legacy Costs of Ownership

Finding a car or truck that saves on insurance costs is important. But, it's also imperative to view all major Subaru Legacy costs. This will ensure that you are finding the vehicle that provides you the best value, at the lowest cost. We've created tools that will also help you to save on the following ownership expenses: