Newer Subaru Legacy cars cost more to insure than older models due to their higher market values. Monthly premiums range from $214 for 2025 Legacy cars down to just $41 for older model years.
Subaru Legacy Insurance Cost
Updated: February 2, 2026
Key Takeaways
GEICO offers the cheapest insurance rates on average for a Subaru Legacy, though costs vary by model year and insurer. Full coverage averages $161 monthly for Legacy owners. Read more
Among wagons, the Legacy ranks 11th out of 40 for insurance affordability, placing it in the middle tier. Wagons cost less to insure due to lower repair costs and better safety ratings compared to other vehicle types. Read more
For the most accurate rates, check costs specific to your Legacy's model year and driver ages, especially if you're insuring a teen. Read MoneyGeek's analysis of rates by company for specific Legacy model years, depending on the age of the drivers
How Much Is Subaru Legacy Insurance?
Looking for another Subaru model? Read more about the cost of Subaru car insurance models.
Costs vary by model year and company. Subaru Legacy minimum coverage ranges from $57 monthly with GEICO to $152 with UAIC, while full coverage spans $122 with GEICO to $286 with AIG.
Rate variations (more than $95 for minimum coverage and $164 for full coverage) highlight why comparing insurers matters for Legacy owners. Each company calculates model-specific risk differently, which impacts your final rate.
| AAA | $95 | $196 |
| AIG | $116 | $282 |
| Allstate | $106 | $204 |
| Amica | $104 | $212 |
| Chubb | $105 | $206 |
| Farmers | $122 | $214 |
| Geico | $57 | $122 |
| Kemper | $86 | $175 |
| Nationwide | $91 | $158 |
| Progressive | $84 | $156 |
| State Farm | $75 | $157 |
| The Hartford | $96 | $164 |
| Travelers | $74 | $136 |
| UAIC | $152 | $189 |
Is Subaru Legacy Expensive to Insure?
MoneyGeek's analysis of 40 wagons shows the Subaru Legacy ranking 11th for insurance affordability. It's positioned between the slightly cheaper Audi Allroad and the marginally pricier Chevrolet HHR, with 10 more affordable wagon options available. This middle-tier positioning among wagons provides helpful context for potential buyers.
While it's middle of the pack for wagons, the Legacy ranks 105th out of 827 total vehicles in our database, placing it in the top half for affordability. The Saab 9-5 claims the cheapest wagon spot, while the Audi RS 6 commands the highest premiums in this category.
| Volvo V50 | $103 | 8 |
| Chrysler PT Cruiser | $104 | 9 |
| Audi Allroad | $105 | 10 |
| Subaru Legacy | $106 | 11 |
| Chevrolet HHR | $106 | 12 |
| Pontiac Vibe | $106 | 13 |
| Suzuki Aerio | $107 | 14 |
Several factors affect what you'll pay for Subaru Legacy insurance:
- Average Repair or Replacement Costs: The Legacy's $674 annual repair costs make it Subaru's most affordable model to maintain out of 10 available models, helping keep insurance premiums lower than many competitors.
- Vehicle Trim, Features and Accessories: Performance capabilities vary across trims, with horsepower ranging from 182 to 260 depending on your model. Higher-performance variants with more powerful engines result in increased insurance premiums due to greater risk exposure.
- Driver Profile: Most Legacy drivers fall into the 50 to 60 age range, which qualifies for lower insurance rates due to driving experience and stability. However, the Legacy's performance reputation can attract risk-taking behaviors that concern insurers. Read more about the costs of Subaru Legacy cars for young drivers.
Subaru Legacy Insurance Cost by State
Car insurance for a Subaru Legacy ranges from $30 monthly in Wyoming to $166 in Louisiana for minimum coverage, depending on where you're located. These dramatic cost differences reflect your state's risk characteristics and insurance regulations rather than anything about the Legacy itself.
| Alabama | $68 | $128 |
| Alaska | $60 | $126 |
| Arizona | $97 | $181 |
| Arkansas | $64 | $143 |
| California | $80 | $163 |
| Colorado | $77 | $185 |
| Connecticut | $116 | $200 |
| Delaware | $117 | $197 |
| Florida | $107 | $244 |
| Georgia | $124 | $204 |
| Hawaii | $43 | $98 |
| Idaho | $44 | $90 |
| Illinois | $75 | $140 |
| Indiana | $53 | $103 |
| Iowa | $44 | $106 |
| Kansas | $58 | $134 |
| Kentucky | $105 | $177 |
| Louisiana | $166 | $354 |
| Maine | $41 | $86 |
| Maryland | $126 | $213 |
| Massachusetts | $84 | $177 |
| Michigan | $120 | $232 |
| Minnesota | $67 | $138 |
| Mississippi | $71 | $140 |
| Missouri | $96 | $192 |
| Montana | $57 | $135 |
| Nebraska | $59 | $134 |
| Nevada | $147 | $265 |
| New Hampshire | $56 | $100 |
| New Jersey | $137 | $225 |
| New Mexico | $67 | $149 |
| New York | $100 | $180 |
| North Carolina | $66 | $130 |
| North Dakota | $47 | $102 |
| Ohio | $61 | $119 |
| Oklahoma | $74 | $163 |
| Oregon | $100 | $175 |
| Pennsylvania | $70 | $162 |
| Rhode Island | $102 | $183 |
| South Carolina | $84 | $157 |
| South Dakota | $42 | $127 |
| Tennessee | $63 | $127 |
| Texas | $104 | $214 |
| Utah | $90 | $153 |
| Vermont | $36 | $85 |
| Virginia | $78 | $126 |
| Washington | $75 | $139 |
| West Virginia | $72 | $145 |
| Wisconsin | $51 | $113 |
| Wyoming | $30 | $93 |
Subaru Legacy Costs by Model Year and Insurance Company
Full coverage on a 2025 Subaru Legacy averages $214 monthly for a 40-year-old driver compared to $103 for a 2016 model. Teen and young adult drivers pay higher rates across all model years.
GEICO consistently offers the cheapest rates across all Subaru Legacy model years.
Older models (2016 to 2020):
Cost of Car Insurance for 2025 Subaru Legacy
| Geico | $81 | $176 |
| National General | $90 | $185 |
| Travelers | $94 | $173 |
| Nationwide | $95 | $165 |
| Progressive | $102 | $191 |
| Kemper | $113 | $230 |
| State Farm | $117 | $245 |
| AAA | $130 | $270 |
| Allstate | $132 | $254 |
| The Hartford | $134 | $229 |
| Amica | $136 | $279 |
| Chubb | $148 | $294 |
| AIG | $157 | $390 |
| Farmers | $173 | $305 |
| UAIC | $188 | $238 |
Cost of Car Insurance for 2024 Subaru Legacy
| Geico | $78 | $169 |
| National General | $87 | $179 |
| Travelers | $90 | $167 |
| Nationwide | $91 | $159 |
| Progressive | $98 | $184 |
| Kemper | $109 | $221 |
| State Farm | $113 | $237 |
| AAA | $126 | $261 |
| Allstate | $127 | $245 |
| The Hartford | $129 | $220 |
| Amica | $131 | $269 |
| Chubb | $143 | $283 |
| AIG | $151 | $376 |
| Farmers | $167 | $294 |
| UAIC | $181 | $229 |
Cost of Car Insurance for 2023 Subaru Legacy
| Geico | $67 | $146 |
| National General | $75 | $154 |
| Travelers | $78 | $144 |
| Nationwide | $79 | $137 |
| Progressive | $85 | $159 |
| Kemper | $94 | $191 |
| State Farm | $98 | $204 |
| AAA | $108 | $225 |
| Allstate | $110 | $211 |
| The Hartford | $112 | $190 |
| Amica | $113 | $232 |
| Chubb | $124 | $245 |
| AIG | $131 | $325 |
| Farmers | $144 | $254 |
| UAIC | $156 | $198 |
Cost of Car Insurance for 2022 Subaru Legacy
| Geico | $72 | $156 |
| National General | $81 | $167 |
| Travelers | $100 | $184 |
| Progressive | $108 | $201 |
| Nationwide | $111 | $192 |
| State Farm | $119 | $249 |
| Amica | $129 | $263 |
| AAA | $129 | $267 |
| Kemper | $133 | $270 |
| Chubb | $135 | $265 |
| The Hartford | $138 | $235 |
| Allstate | $140 | $270 |
| AIG | $156 | $383 |
| Farmers | $170 | $299 |
| UAIC | $200 | $252 |
Cost of Car Insurance for 2021 Subaru Legacy
| Geico | $69 | $150 |
| National General | $78 | $161 |
| Travelers | $97 | $177 |
| Progressive | $104 | $194 |
| Nationwide | $107 | $185 |
| State Farm | $115 | $239 |
| Amica | $124 | $253 |
| AAA | $124 | $257 |
| Kemper | $128 | $260 |
| Chubb | $130 | $255 |
| The Hartford | $133 | $226 |
| Allstate | $135 | $259 |
| AIG | $150 | $369 |
| Farmers | $164 | $287 |
| UAIC | $193 | $243 |
Cost of Car Insurance for 2020 Subaru Legacy
| Geico | $63 | $138 |
| National General | $72 | $147 |
| Travelers | $89 | $163 |
| Progressive | $95 | $178 |
| Nationwide | $98 | $170 |
| State Farm | $105 | $220 |
| Amica | $114 | $233 |
| AAA | $114 | $236 |
| Kemper | $117 | $239 |
| Chubb | $119 | $234 |
| The Hartford | $122 | $207 |
| Allstate | $124 | $238 |
| AIG | $138 | $338 |
| Farmers | $150 | $264 |
| UAIC | $177 | $223 |
Cost of Car Insurance for 2019 Subaru Legacy
| Geico | $51 | $111 |
| National General | $58 | $119 |
| Travelers | $72 | $131 |
| Progressive | $77 | $143 |
| Nationwide | $79 | $137 |
| State Farm | $85 | $177 |
| Amica | $92 | $187 |
| AAA | $92 | $190 |
| Kemper | $95 | $192 |
| Chubb | $96 | $189 |
| The Hartford | $98 | $167 |
| Allstate | $100 | $192 |
| AIG | $111 | $273 |
| Farmers | $121 | $213 |
| UAIC | $143 | $179 |
Cost of Car Insurance for 2018 Subaru Legacy
| Geico | $43 | $93 |
| National General | $49 | $99 |
| Travelers | $60 | $110 |
| Progressive | $64 | $120 |
| Nationwide | $66 | $114 |
| State Farm | $71 | $148 |
| Amica | $77 | $157 |
| AAA | $77 | $159 |
| Kemper | $79 | $161 |
| Chubb | $80 | $158 |
| The Hartford | $82 | $140 |
| Allstate | $84 | $161 |
| AIG | $93 | $228 |
| Farmers | $101 | $178 |
| UAIC | $119 | $150 |
Cost of Car Insurance for 2017 Subaru Legacy
| Geico | $37 | $80 |
| National General | $42 | $86 |
| Travelers | $51 | $94 |
| Progressive | $55 | $103 |
| Nationwide | $57 | $98 |
| State Farm | $61 | $127 |
| Amica | $66 | $135 |
| AAA | $66 | $137 |
| Kemper | $68 | $138 |
| Chubb | $69 | $136 |
| The Hartford | $71 | $120 |
| Allstate | $72 | $138 |
| AIG | $80 | $196 |
| Farmers | $87 | $153 |
| UAIC | $103 | $129 |
Cost of Car Insurance for 2016 Subaru Legacy
| Geico | $34 | $74 |
| National General | $39 | $79 |
| Travelers | $47 | $87 |
| Progressive | $51 | $95 |
| Nationwide | $52 | $91 |
| State Farm | $56 | $118 |
| Amica | $61 | $124 |
| AAA | $61 | $126 |
| Kemper | $63 | $128 |
| Chubb | $64 | $125 |
| The Hartford | $65 | $111 |
| Allstate | $66 | $127 |
| AIG | $74 | $181 |
| Farmers | $80 | $141 |
| UAIC | $95 | $119 |
Subaru Legacy Insurance Cost by Trim
Insurance costs for your Subaru Legacy range from $41 monthly for minimum coverage on basic Brighton Wagon 4d models to $253 for full coverage on high-performance Touring Xt variants. Performance features and market value determine where each trim falls in this pricing spectrum.
| Brighton Wagon 4d | $41 | $78 |
| 2.5gt Premium Sedan 4d | $56 | $108 |
| L Wagon 4d | $59 | $113 |
| L Sedan 4d | $60 | $115 |
| Gt Sedan 4d | $60 | $115 |
| Gt Wagon 4d | $60 | $116 |
| 3.6r Sedan 4d | $61 | $118 |
| 2.5 Gt Spec.B Sedan 4d | $64 | $123 |
| 2.5gt Limited Sedan 4d | $65 | $125 |
| L Special Edition Sedan 4d | $70 | $134 |
| L Special Edition Wagon 4d | $70 | $134 |
| Gt Limited Sedan 4d | $71 | $137 |
| 2.5i Premium Sedan 4d | $72 | $139 |
| 2.5gt Sedan 4d | $73 | $140 |
| 2.5 Gt Sedan 4d | $76 | $147 |
| I Sedan 4d | $79 | $152 |
| 3.6r Limited Sedan 4d | $79 | $153 |
| 2.5i Sedan 4d | $80 | $154 |
| 2.5i Sport Sedan 4d | $81 | $157 |
| 2.5i Wagon 4d | $82 | $158 |
| 2.5i Limited Sedan 4d | $84 | $161 |
| I Wagon 4d | $84 | $162 |
| 3.6r Premium Sedan 4d | $85 | $164 |
| 2.5 Gt Wagon 4d | $85 | $164 |
| 2.5 Gt Limited Wagon 4d | $86 | $166 |
| Legacy | $87 | $169 |
| 2.5i Limited Wagon 4d | $87 | $167 |
| Sedan 4d | $87 | $169 |
| I Limited Sedan 4d | $88 | $169 |
| I Limited Wagon 4d | $91 | $175 |
| Premium Sedan 4d | $92 | $178 |
| Premium | $93 | $182 |
| Gt Limited Wagon 4d | $100 | $193 |
| Sport Sedan 4d | $102 | $198 |
| Limited Sedan 4d | $104 | $202 |
| 2.5 Gt Limited Sedan 4d | $106 | $204 |
| 3.0 R Sedan 4d | $110 | $212 |
| Limited Xt Sedan 4d | $111 | $216 |
| Limited | $112 | $218 |
| Gt Spec.B Sedan 4d | $117 | $225 |
| Sport | $117 | $229 |
| 3.0 R Limited Sedan 4d | $122 | $235 |
| Touring Xt Sedan 4d | $127 | $246 |
| Touring Xt | $130 | $253 |
How to Lower the Cost of Subaru Legacy Insurance
We've compiled proven strategies to help you find better rates on your Subaru Legacy insurance:
- 1Choose the right coverage
You'll need to decide how much coverage to buy for your Subaru Legacy based on ownership status. Own your vehicle? Get state minimum liability plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with $500 deductible, plus gap insurance from your lender.
- 2Research costs and cheap companies
Learn what you should pay by reviewing average auto insurance costs for midsize sedans like your Legacy. This benchmark assists in finding the cheapest car insurance companies offering competitive rates.
- 3Look for more than just low rates
Selecting reliable car insurance means evaluating insurers beyond price alone. Check J.D. Power satisfaction ratings, examine forum discussions about claims processing, review Better Business Bureau complaints and verify AM Best financial stability ratings. Budget options could provide limited coverage or slower customer service when you need assistance most during stressful claim situations.
- 4Explore discounts you qualify for
Discover car insurance discounts that apply to your specific situation and driving profile. Legacy owners qualify for safety features discounts due to EyeSight technology, good driver discounts for clean records, multi-vehicle savings for insuring multiple cars and bundling discounts when combining auto and home policies with the same insurer for maximum savings.
- 5Consider alternative car insurance types
Legacy owners might benefit from usage-based insurance programs that track driving habits and reward safe behavior. Options like Progressive Snapshot or Allstate Drivewise monitor factors such as hard braking, rapid acceleration and nighttime driving to offer premium reductions based on your actual driving patterns rather than demographic assumptions.
- 6Check rates every year
Obtain car insurance quotes from multiple companies annually to ensure competitive pricing. Your current insurer doesn't notify you when competitors lower their rates or introduce new discounts. Regular comparisons could save up to 24% on your Legacy insurance, especially as your driving record improves or life circumstances change over time.
Subaru Legacy Insurance Cost: Bottom Line
Subaru Legacy insurance costs less than average, but you can still secure better rates. Shopping multiple companies and claiming available discounts helps you find the most affordable coverage for your vehicle.
Subaru Legacy Insurance Rates: FAQ
What is the average cost of car insurance for a Subaru Legacy?
Subaru Legacy insurance costs $1,000 annually for state minimum coverage and $1,929 for full coverage. Monthly premiums average $83 for minimum and $161 for comprehensive protection.
What company has the cheapest car insurance for a Subaru Legacy?
GEICO provides the most affordable auto insurance for Subaru Legacy drivers at $679 annually for minimum coverage. Full coverage seekers will also find GEICO offers the best value at $1,468 per year.
Are Subaru Legacy cars expensive to insure?
No, Subaru Legacy insurance is not expensive to insure. Among wagons, this model places 11th out of 40 for affordability, while ranking 105th out of 827 vehicles we track overall.
What factors affect insurance costs for Subaru Legacy cars?
Various factors affect your Subaru Legacy insurance rates. Your driving record, credit score, and chosen coverage levels impact premiums. The Legacy's safety features and moderate repair costs help keep rates reasonable compared to other vehicles.
How can I lower Subaru Legacy insurance costs?
Compare quotes from multiple insurers since Subaru Legacy pricing differs between companies, and explore usage-based programs that monitor your driving habits. Claim available discounts, bundle policies and maintain a clean driving record to secure better rates.
How We Determined Subaru Legacy Insurance Costs
We analyzed hundreds of millions of quote estimates for U.S. vehicle models from 2000 to 2025 to provide the most accurate Subaru Legacy insurance costs.
Who We Based These Rates On
These Subaru Legacy rates reflect what an average driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.