Subaru Legacy Insurance Cost

Auto insurance for a Subaru Legacy will cost about $1,468 per year.

This beats the national average for popular sedan models by $426. 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 $4,972 $7,300 $8,540
18 $4,633 $6,803 $7,959
19 $4,095 $6,012 $7,034
20 $3,570 $5,242 $6,133
21 $2,994 $4,396 $5,143
22 $2,916 $4,282 $5,009
23 $2,551 $3,746 $4,383
24 $2,424 $3,559 $4,164
25 $2,092 $3,071 $3,593
30 $1,629 $2,393 $2,799
35 $1,526 $2,241 $2,622
40 $1,468 $2,155 $2,521
45 $1,428 $2,097 $2,453
55 $1,310 $1,923 $2,250
65 $1,366 $2,006 $2,347
75 $1,725 $2,532 $2,962

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 $1,555 $2,259 $2,875
Alaska $1,286 $1,783 $1,733
Arizona $1,454 $2,102 $3,097
Arkansas $1,594 $2,505 $2,758
California $1,775 $3,139 $1,775
Colorado $1,657 $2,318 $2,941
Connecticut $2,116 $3,282 $4,166
Delaware $1,752 $2,335 $2,999
Florida $2,086 $2,886 $3,761
Georgia $1,701 $2,543 $2,564
Hawaii $679 $922 $679
Idaho $1,180 $1,565 $1,902
Illinois $1,235 $1,867 $2,129
Indiana $1,269 $1,940 $2,177
Iowa $1,005 $1,379 $1,621
Kansas $1,337 $1,946 $2,276
Kentucky $1,933 $2,838 $3,352
Louisiana $2,482 $3,752 $4,068
Maine $939 $1,297 $1,915
Maryland $1,519 $2,211 $2,455
Massachusetts $1,218 $2,125 $1,218
Michigan $2,939 $4,479 $7,065
Minnesota $1,210 $1,613 $2,272
Mississippi $1,461 $2,083 $2,097
Missouri $1,376 $1,968 $2,585
Montana $1,399 $1,952 $2,273
Nebraska $1,183 $1,749 $1,900
Nevada $1,951 $2,894 $3,057
New Hampshire $1,357 $2,146 $2,713
New Jersey $1,495 $2,346 $3,070
New Mexico $1,527 $2,271 $2,358
New York $1,414 $1,781 $2,973
North Carolina $877 $1,506 $1,074
North Dakota $1,200 $1,824 $2,157
Ohio $1,070 $1,650 $1,692
Oklahoma $1,708 $2,446 $2,754
Oregon $1,555 $2,086 $2,491
Pennsylvania $1,309 $1,923 $2,249
Rhode Island $2,186 $3,207 $3,611
South Carolina $1,485 $2,058 $2,840
South Dakota $1,332 $1,919 $2,215
Tennessee $1,567 $2,306 $3,071
Texas $1,578 $2,279 $2,835
Utah $1,342 $1,881 $2,588
Vermont $1,033 $1,591 $1,682
Virginia $973 $1,494 $1,465
Washington $1,288 $1,749 $2,088
West Virginia $1,296 $1,856 $2,326
Wisconsin $1,292 $2,017 $2,301
Wyoming $1,206 $1,689 $1,799

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: