Subaru Legacy full coverage insurance costs range from $1,032 to $5,908 annually. Rates vary greatly based on the car's model year, driver age, location, driving history, coverage level and insurer. MoneyGeek breaks down Subaru Legacy insurance costs and coverage, offering insights into the best and affordable insurers.
Subaru Legacy Insurance Cost
Updated: March 26, 2025
Key Takeaways
State Farm offers the most affordable minimum coverage across all Subaru Legacy model years at $459 annually.
For Subaru Legacy owners, the average annual cost is $581 for minimum coverage and $1,351 for full coverage.
MoneyGeek analyzed 4,183 quotes for a Subaru Legacy from Quadrant Information Services, providing a comprehensive overview of insurance costs.
Subaru Legacy Insurance Rates
What Is the Average Subaru Legacy Car Insurance Cost?
The average full coverage insurance cost for a Subaru Legacy is $113 per month or $1,351 per year, based on a 40-year-old male with a clean driving record. Minimum coverage costs about $48 monthly or $581 annually.
| Minimum Coverage | $581 |
| Full Coverage | $1,351 |
Subaru Legacy Insurance Costs by Company
Subaru Legacy insurance costs range from $1,064 to $1,924 annually. Rates vary based on age, model year and coverage level. The table below compares the average Subaru Legacy insurance rates with averages for all vehicles from several national and midsize providers.
| Allstate | $1,477 | $1,813 | -19% |
| Auto-Owners | $1,142 | $1,227 | -7% |
| Farmers | $1,759 | $1,956 | -10% |
| GEICO | $1,151 | $1,333 | -14% |
| Kemper | $1,924 | $2,213 | -13% |
| Nationwide | $1,374 | $1,589 | -14% |
| Progressive | $1,674 | $1,742 | -4% |
| State Farm | $1,101 | $1,270 | -13% |
| Travelers | $1,365 | $1,522 | -10% |
| USAA | $1,064 | $1,200 | -11% |
Read more: Best Car Insurance Companies
Cost of Insuring a Subaru Legacy by Model Year
The year your Subaru Legacy was produced influences your insurance rates, with older models often costing less. For example, a 2022 model has a full coverage rate of $1,446 annually compared to $1,258 for a 2009 model. Below are the average full and minimum coverage rates for each production year.
| 2022 | $585 | $1,446 |
| 2021 | $587 | $1,432 |
| 2020 | $573 | $1,429 |
| 2019 | $609 | $1,433 |
| 2018 | $619 | $1,430 |
| 2017 | $591 | $1,399 |
| 2016 | $613 | $1,369 |
| 2015 | $609 | $1,338 |
| 2014 | $577 | $1,332 |
| 2013 | $593 | $1,325 |
| 2012 | $582 | $1,318 |
| 2011 | $564 | $1,298 |
| 2010 | $592 | $1,278 |
| 2009 | $595 | $1,258 |
Subaru Legacy Insurance Costs by Driver Age
Subaru Legacy insurance rates differ significantly based on the driver's age. For example, 40-year-olds pay an average of $1,363 annually for full coverage, while 16-year-olds face much higher rates at $5,908. Below are the average full and minimum coverage rates for drivers of different ages.
| 16 | $2,694 | $5,908 |
| 17 | $2,187 | $4,814 |
| 18 | $1,906 | $4,236 |
| 19 | $1,355 | $3,008 |
| 20 | $1,217 | $2,735 |
| 21 | $968 | $2,208 |
| 22 | $882 | $2,028 |
| 23 | $819 | $1,894 |
| 24 | $777 | $1,802 |
| 25 | $691 | $1,612 |
| 26 | $674 | $1,564 |
| 27 | $657 | $1,530 |
| 28 | $647 | $1,506 |
| 29 | $637 | $1,486 |
| 30 | $615 | $1,433 |
| 35 | $599 | $1,389 |
| 40 | $592 | $1,363 |
| 45 | $587 | $1,346 |
| 50 | $574 | $1,305 |
| 55 | $559 | $1,270 |
| 60 | $559 | $1,265 |
| 65 | $595 | $1,309 |
| 70 | $647 | $1,402 |
| 75 | $717 | $1,537 |
| 80 | $813 | $1,712 |
| 85 | $881 | $1,836 |
| 90 | $929 | $1,923 |
Subaru Legacy Insurance Rates Explained
Driver profiles significantly impact car insurance rates, but insurers also consider vehicle-specific factors. Below is a breakdown of key cost factors tied to your vehicle.
Subaru Legacy Rates vs. National Average
All Vehicles
Average Full Coverage Rate
$1,296Subaru Legacy
Average Full Coverage Rate
$1,351Premiums for Subaru Legacy are:$55 more
This is 4% more expensive.
Value
The Subaru Legacy's MSRP of $39,285 positions it as a midrange vehicle. Higher-priced vehicles like this often result in higher insurance premiums.
Repair costs
The Subaru Legacy's annual repair cost is $563, below the national average. Lower repair expenses can reduce insurance costs due to easier and more affordable part replacements.
Performance
The Subaru Legacy, with a horsepower range of 182 to 260 and a 0-to-60 time of 5.7 seconds, isn't classified as a high-performance vehicle. This often translates to lower insurance costs.
Vehicle age
Newer Subaru Legacy models are generally more expensive to insure than older ones. However, collector and classic vehicles can be exceptions, often costing more.
Safety features
The Subaru Legacy's safety features, including stability control, airbags and antilock brakes, can make it eligible for insurance discounts. Its high safety rating further lowers accident risk, potentially reducing premiums.
Vehicle size
Larger vehicles often lead to higher insurance costs due to their potential for increased property damage. As a midsize car, the Subaru Legacy may have moderate premiums compared to larger vehicles.
Trim level
Higher trim levels often feature premium upgrades, resulting in a higher MSRP. The Subaru Legacy's higher trims typically cost more to insure than the base model.
Theft rates
Vehicles with moderate theft rates, like the Subaru Legacy, may have slightly higher insurance costs.
Anti-theft features
The Subaru Legacy’s anti-theft features can help lower insurance costs.
Cheapest Subaru Legacy Insurance
State Farm offers the most affordable minimum coverage for a Subaru Legacy, with an annual rate of $459, based on a 40-year-old male driver with a clean record. Below is a breakdown of the most affordable car insurance, considering different coverage levels, age groups, driving records and model years.
Cheapest Subaru Legacy Insurance by Coverage Level
The coverage you select greatly affects your Subaru Legacy insurance rate. State Farm provides the most affordable minimum and full coverage rates. Below is a breakdown of the cheapest providers for both types.
Cheapest Subaru Legacy Minimum Coverage
State Farm offers the cheapest minimum coverage for a Subaru Legacy at $38 per month. Other affordable options include GEICO at $40, Travelers at $49 and Nationwide at $51.
| USAA | $36 | $430 |
| State Farm | $38 | $459 |
| GEICO | $40 | $479 |
| Travelers | $49 | $591 |
| Nationwide | $51 | $614 |
| Progressive | $53 | $633 |
| Allstate | $55 | $655 |
| Farmers | $55 | $666 |
*State Farm offers non-military-affiliated Subaru Legacy owners the lowest average minimum coverage insurance rate. USAA is the most affordable option for military-affiliated drivers.
Best Subaru Legacy Insurance Rates by Model Year
The above list doesn't consider the production year, which can mean lower rates for older vehicles. To find the cheapest minimum coverage rates for every Subaru Legacy model year, filter the table below.
Data filtered by:Results filtered by:
Select
Model Year:2009
| Allstate | $653 | $54 |
| Farmers | $679 | $57 |
| GEICO | $496 | $41 |
| Nationwide | $652 | $54 |
| Progressive | $648 | $54 |
| State Farm | $445 | $37 |
| Travelers | $589 | $49 |
| USAA | $400 | $33 |
*USAA is available only to military veterans, active service members and their families.
Cheapest Full Coverage Subaru Legacy Insurance
State Farm offers the lowest full coverage rates for a Subaru Legacy at $1,066 annually or $89 monthly. Explore the complete list of full coverage car insurance providers and rates below.
| USAA | $86 | $1,032 |
| State Farm | $89 | $1,066 |
| GEICO | $93 | $1,117 |
| Nationwide | $108 | $1,292 |
| Travelers | $113 | $1,351 |
| Allstate | $117 | $1,409 |
| Progressive | $131 | $1,572 |
| Farmers | $136 | $1,630 |
*On average, State Farm is the cheapest insurer for non-military-affiliated Subaru Legacy owners seeking full coverage. For military-affiliated drivers, USAA is the most affordable option.
Cheapest Subaru Legacy Insurance by Age
Drivers aged 16 to 25 and those 55 and up often pay higher Subaru Legacy insurance rates, making it crucial to find affordable coverage. Below is a breakdown of the cheapest options by age.
Cheapest Subaru Legacy Insurance for Young Drivers
State Farm offers the lowest rates for Subaru Legacy drivers aged 16 to 25 at $1,003 annually or $84 monthly for minimum coverage. Below is the full list of affordable car insurance options for young adults.
| USAA | $74 | $892 |
| State Farm | $84 | $1,003 |
| GEICO | $95 | $1,141 |
| Travelers | $103 | $1,231 |
| Allstate | $127 | $1,526 |
| Nationwide | $133 | $1,597 |
| Progressive | $147 | $1,763 |
| Farmers | $150 | $1,797 |
*State Farm is the cheapest insurer for young non-military-affiliated drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Subaru Legacy Insurance for Seniors
State Farm offers the cheapest car insurance for seniors 55 and up for as low as $42 monthly or $505 annually. See the full list of affordable Subaru Legacy insurers below.
| State Farm | $42 | $505 |
| USAA | $48 | $572 |
| GEICO | $48 | $574 |
| Travelers | $59 | $709 |
| Nationwide | $60 | $719 |
| Allstate | $67 | $802 |
| Progressive | $68 | $812 |
| Farmers | $74 | $892 |
Cheapest Subaru Legacy Insurance After an Accident
For Subaru Legacy drivers, State Farm, GEICO and Travelers are the most affordable car insurance providers after an accident. Check out the full list below for more options.
| State Farm | $48 | $576 |
| USAA | $55 | $657 |
| GEICO | $63 | $752 |
| Travelers | $70 | $845 |
| Allstate | $74 | $890 |
| Nationwide | $78 | $935 |
| Progressive | $86 | $1,028 |
| Farmers | $110 | $1,318 |
Subaru Legacy Insurance Cost: Bottom Line
Compare rates from different providers regularly to find affordable car insurance. This article covers Subaru Legacy insurance costs across demographics and highlights the cheapest providers.
Subaru Legacy Insurance Rates: FAQ
Below are answers to common questions about Subaru Legacy insurance costs, providing insights into coverage options and pricing.
What company has the cheapest car insurance for a Subaru Legacy?
State Farm is the cheapest insurance provider for a Subaru Legacy, with an annual minimum coverage rate of $459.
What is the average cost of car insurance for a Subaru Legacy?
The average annual insurance cost for a Subaru Legacy is $581 for minimum coverage and $1,351 for full coverage.
Subaru Legacy Insurance Ratings: Our Review Methodology
MoneyGeek analyzed data and 4,183 Subaru Legacy insurance quotes from Quadrant Information Services.
Drivers and Cars
MoneyGeek used a sample driver profile with the following characteristics to calculate the average rates for insuring a Subaru Legacy:
- 40-year-old male
- Clean driving record
- 12,000 miles driven annually
We also modified the sample driver profile to determine Subaru Legacy insurance rates for different age groups, driving records and model years. MoneyGeek collected data for the following model years:
- 2012
- 2013
- 2014
- 2015
- 2016
- 2017
- 2018
- 2019
- 2020
- 2021
- 2022
If data on specific model years wasn't available, our data scientists estimated rates based on how insurers typically price car models each year. The published rates are estimates and may not reflect the rate you'll receive for your Subaru Legacy.
Coverage Levels
Each state differs in minimum coverage requirements, so our rates are a combination of minimum coverage policies in the states where we gathered our data.
MoneyGeek’s analysis includes average full coverage policy rates with comprehensive and collision coverage (with a $1,000 deductible) and increased liability limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.