Subaru Legacy Insurance [How to Find Low Rates Online]

Subaru Legacy insurance rates are around $113 a month, but you can save money by comparing Subaru Legacy insurance quotes online for free with our comparison tool below. State Farm and GEICO are the most popular companies for Subaru Legacy insurance coverage, but comparison shopping will help you find the best price for your Subaru Legacy auto insurance policy before you choose which insurance company to go with.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

Full Bio →

Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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

Subaru Legacy insurance rates are about $169 less per year than the average vehicle with full coverage costing around $1,350 a year or $113 a month. Teens have the highest rates at around $4,934 a year or $411 a month as they’re considered to be high-risk with little driving experience.

Good drivers are available up to $557 a year for being safe and courteous. Let’s take a quick look at Subaru Legacy insurance rates, safety ratings, and more.

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 costs are $1,350 a year or $113 a month.

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption

Are Subaru Legacys Expensive to Insure?

The chart below details how Subaru Legacy insurance rates compare to other sedans like the Chevrolet Malibu, Kia Forte, and Mazda 3.

Vehicle Comprehensive Collision Liability Total
Subaru Legacy $370 $506 $338 $1,350
Chevrolet Malibu $322 $532 $372 $1,384
Kia Forte $322 $500 $372 $1,352
Mazda 3 $308 $562 $372 $1,400
Subaru Impreza $320 $542 $390 $1,410
Chevrolet Blazer $376 $688 $316 $1,516
Hyundai Sonata $294 $532 $420 $1,426
Compare RatesStart Now →

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

The average Subaru Legacy auto insurance rates are higher for newer models. For example, auto insurance rates for a 2018 Subaru Legacy cost $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
Compare RatesStart Now →

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 New York may pay $351 a year more than drivers in Chicago.

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 car insurance 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
Compare RatesStart Now →

Subaru Legacy Crash Test Ratings

If the Subaru Legacy crash test ratings are good, you could have lower Subaru Legacy car insurance rates. See Subaru Legacy crash test results below:

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
Compare RatesStart Now →

Subaru Legacy Safety Features

The more safety features you have on your Subaru Legacy, the more likely it is that you can earn a discount. The 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

Subaru Legacy Insurance Loss Probability

The Subaru Legacy’s insurance loss probability varies for each form of coverage. The lower percentage means lower Subaru Legacy auto insurance rates; higher percentages mean higher Subaru Legacy car 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
Compare RatesStart Now →

Subaru Legacy Finance and Insurance Cost

If you are financing a Subaru Legacy, you will pay more if you purchase Subaru Legacy auto insurance at the dealership, so be sure to shop around and compare Subaru Legacy auto insurance quotes from the best companies using our FREE tool below.

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption

Ways to Save on Subaru Legacy Insurance

Save more on your Subaru Legacy car insurance rates. Take a look at the following five strategies that will get you the best Subaru Legacy auto insurance rates possible.

  • Renew Your Subaru Legacy Insurance Coverage to Avoid Lapses
  • Ask About Welcome Discounts
  • Take Advantage of Referral Fees
  • Don’t Skimp On Subaru Legacy Liability Coverage
  • Understand the Different Types of Auto Insurance for Your Subaru Legacy

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 RatesStart Now →

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.

Free Auto Insurance Comparison

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption