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How to Find Cheap Subaru Legacy Insurance Quotes

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

You can save up to $169 per year when you insure a Subaru Legacy. Subaru Legacy insurance rates are $113 per month for full coverage and $45 per month for liability-only insurance. Continue reading through the guide to learn how you can save on policy discounts.

You can start comparing quotes for Subaru Legacy auto insurance rates from some of the best auto insurance companies by using our free online tool now.

Table of Contents

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 Toyota Corolla, Ford Focus, and Ford Fusion.

Vehicle Comprehensive Collision Liability Total
Subaru Legacy $370 $506 $338 $1,350
Toyota Corolla $294 $542 $390 $1,384
Ford Focus $244 $536 $398 $1,336
Ford Fusion $336 $626 $372 $1,492
Mazda 3 $308 $562 $372 $1,400
Volkswagen Passat $332 $600 $390 $1,480
Audi A3 $282 $566 $398 $1,404
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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 will affect the total price you will pay for Subaru Legacy insurance coverage.

Age of the Vehicle

The average Subaru Legacy auto insurance rates are higher for newer models. For example, auto insurance rates for a 2018 Subaru Legacy are $1,350, while 2010 Subaru Legacy rates 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
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Driver Age

Driver age can have a significant impact on the cost of Subaru Legacy auto insurance. For example, 20-year-old drivers pay as much as $1,710 more each year for their Subaru Legacy auto 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 auto insurance. Teens and drivers in their 20’s see the highest jump in their Subaru Legacy auto insurance rates 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
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Subaru Legacy Crash Test Ratings

Subaru Legacy crash test ratings will affect your Subaru Legacy auto 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
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Subaru Legacy Safety Features

Subaru Legacy safety features can lower the cost of your insurance. The safety features for the 2020 Subaru Legacy 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

Subaru Legacy Insurance Loss Probability

The lower percentage means lower Subaru Legacy auto insurance costs; higher percentages mean higher Subaru Legacy auto insurance costs. Compare the following Subaru Legacy auto insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury.

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
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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 auto insurance rates from the best companies using our FREE tool below.

5 Ways to Save on Subaru Legacy Insurance

There are many ways that you can save on Subaru Legacy auto insurance. Below are five actions you can take to find cheap Subaru Legacy auto insurance rates.

  • Consider Ride Sharing Services to Lower Your Subaru Legacy Mileage
  • Ask About Subaru Legacy Safety Discounts
  • Ask About Student Discounts
  • Never Drink and Drive Your Subaru Legacy
  • Don’t Always Pick the Cheapest Subaru Legacy Auto Insurance Policy

Top Subaru Legacy Insurance Companies

Several top auto insurance companies offer competitive rates for the Subaru Legacy rates based on factors like discounts for safety features. Take a look at this list of top auto insurance companies that are popular with Subaru Legacy drivers organized by market share.

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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Compare Free Subaru Legacy Insurance Quotes Online

You can start comparing quotes for Subaru Legacy auto insurance rates from some of the best auto insurance companies by using our free online tool now.

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