Subaru Legacy Insurance Cost

Auto insurance for a Subaru Legacy will cost about $1,596 per year.

This beats the national average for popular sedan models by $471. 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.

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. Visit our Competitive Quote Tool to see if you can find lower rates for a Legacy.

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

These Subaru Legacy insurance cost estimates are a result of our ongoing nationwide research and analysis, but they are only averages. We recommend that you let our trusted insurance partners do the shopping for you using our Competitive Quote Tool. While it's free to use, we do receive a small commission if you find a better deal.

Subaru Legacy insurance Cost

Age Good Driver Recent Accident Poor Credit
17 $5,407 $8,053 $9,520
18 $5,039 $7,505 $8,872
19 $4,453 $6,632 $7,840
20 $3,883 $5,783 $6,836
21 $3,256 $4,850 $5,733
22 $3,171 $4,723 $5,583
23 $2,775 $4,133 $4,885
24 $2,636 $3,926 $4,641
25 $2,275 $3,388 $4,005
30 $1,772 $2,639 $3,120
35 $1,660 $2,472 $2,922
40 $1,596 $2,377 $2,810
45 $1,553 $2,314 $2,735
55 $1,424 $2,122 $2,508
65 $1,486 $2,213 $2,616
75 $1,875 $2,793 $3,302

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 $1,691 $2,369 $2,965
Alaska $1,399 $2,037 $2,135
Arizona $1,581 $2,453 $3,498
Arkansas $1,734 $2,626 $2,938
California $1,930 $3,376 $1,930
Colorado $1,802 $2,494 $3,111
Connecticut $2,302 $3,558 $4,558
Delaware $1,905 $2,623 $3,483
Florida $2,269 $3,082 $4,017
Georgia $1,850 $2,851 $2,925
Hawaii $739 $1,020 $739
Idaho $1,284 $1,728 $2,151
Illinois $1,344 $1,986 $2,303
Indiana $1,380 $2,157 $2,517
Iowa $1,093 $1,640 $1,911
Kansas $1,455 $2,142 $2,537
Kentucky $2,103 $3,163 $3,720
Louisiana $2,699 $4,125 $4,441
Maine $1,021 $1,369 $1,998
Maryland $1,652 $2,422 $2,860
Massachusetts $1,325 $2,240 $1,325
Michigan $3,197 $4,806 $7,389
Minnesota $1,316 $1,768 $2,617
Mississippi $1,588 $2,399 $2,535
Missouri $1,497 $2,061 $2,666
Montana $1,522 $2,381 $2,626
Nebraska $1,286 $1,821 $2,072
Nevada $2,122 $3,203 $3,514
New Hampshire $1,476 $2,379 $3,029
New Jersey $1,626 $2,564 $3,307
New Mexico $1,661 $2,390 $2,684
New York $1,538 $2,003 $3,233
North Carolina $954 $1,539 $1,186
North Dakota $1,305 $2,009 $2,550
Ohio $1,163 $1,903 $1,971
Oklahoma $1,858 $2,790 $3,164
Oregon $1,691 $2,553 $2,929
Pennsylvania $1,424 $2,153 $2,471
Rhode Island $2,378 $3,648 $4,173
South Carolina $1,615 $2,337 $3,334
South Dakota $1,449 $1,993 $2,391
Tennessee $1,704 $2,548 $3,215
Texas $1,716 $2,525 $3,170
Utah $1,459 $2,110 $2,911
Vermont $1,123 $1,796 $1,964
Virginia $1,058 $1,594 $1,693
Washington $1,401 $2,105 $2,482
West Virginia $1,410 $2,053 $2,535
Wisconsin $1,405 $2,052 $2,492
Wyoming $1,312 $1,928 $2,155

Other Important Costs of Owning a Subaru Legacy

Insurance is a major vehicle related expense. There are also some others to be aware of. See our cost analyses on Subaru Legacy depreciation, maintenance and financing. These will provide you with even more knowledge before making such an important financial decision.

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