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
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.
Minimum coverage varies by more than $95 between insurers for the Subaru Legacy. Full coverage varies by more than $164. Each company calculates model-specific risk differently, which affects 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?
Among 40 wagons, the Subaru Legacy ranks 11th for insurance affordability. It's a few dollars a month more than an Audi Allroad and a few less than a Chevrolet HHR.
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: At $674 a year, the Legacy is Subaru's cheapest model to maintain out of 10. Lower repair costs keep premiums below most of its class.
- Vehicle Trim, Features and Accessories: Horsepower ranges from 182 to 260 depending on trim. Higher-performance variants cost more to insure because more power raises claim risk.
- Driver Profile: Most Legacy drivers are 50 to 60, an age range that typically gets lower rates because of experience and a longer clean-record history. The Legacy's performance profile can draw higher-risk drivers, which insurers price in. Subaru Legacy costs for young drivers are affected by model year and age.
Subaru Legacy Insurance Cost by State
Minimum coverage on a Subaru Legacy is $30 a month in Wyoming and $166 in Louisiana. The gap reflects each state's risk profile and regulations, not the car.
| 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
Use these strategies to help you find better rates on your Subaru Legacy insurance:
- 1Choose the right coverage
Decide how much coverage to buy for your Subaru Legacy based on ownership status.
Own it outright (lower cost):
- State minimum liability requirements
- Comprehensive and collision with a $1,000 deductible
Own it outright (more coverage):
- $100,000/$300,000/$100,000 liability coverage
- Comprehensive and collision with a $500 deductible
Financing or leasing:
- $100,000/$300,000/$100,000 liability coverage
- Comprehensive and collision with a $500 deductible
- Gap insurance (most lenders require this)
- 2Research costs and cheap companies
Check average auto insurance costs for midsize sedans before you shop. That number tells you whether a quote is competitive. Use it alongside a list of the cheapest car insurance companies to find a better price.
- 3Look for more than just low rates
Price isn't everything with car insurance. Check J.D. Power satisfaction ratings, Better Business Bureau complaints and AM Best financial stability scores. Forum reviews on claims handling are worth reading too. A cheap policy with slow or disputed claims can cost more than a slightly higher premium from a reliable insurer.
- 4Explore discounts you qualify for
Check every car insurance discount before buying. Legacy owners commonly qualify for safety features discounts on EyeSight technology, good driver discounts for clean records, multi-vehicle discounts and bundling discounts for combining auto and home policies.
- 5Consider alternative car insurance types
Usage-based programs like Progressive Snapshot or Allstate Drivewise track your driving (hard braking, rapid acceleration and nighttime driving) and lower premiums based on actual behavior rather than demographic risk estimates.
- 6Check rates every year
Get car insurance quotes from multiple companies each year. Insurers don't tell you when competitors drop their prices or add new discounts. Annual comparisons can save up to 24%, so set a reminder at each renewal.
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?
The Legacy's safety features and low repair costs keep premiums below average for its class. Your driving record, credit score and coverage level are the biggest factors in your final rate.
How can I lower Subaru Legacy insurance costs?
Compare quotes from at least three insurers because Subaru Legacy pricing varies between companies. Ask about usage-based programs that track your driving. Claim every available discount, bundle policies and keep your record clean.
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
Our baseline is a 40-year-old unmarried male with a clean record, good credit, no prior claims, a valid license with no suspensions and about 12,000 miles driven a year.
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: $100,000/$300,000/$100,000 liability with comprehensive and collision coverage and a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Mark holds a B.A. from Boston College and an M.A. in Economics and International Relations from Johns Hopkins University. He started his career in financial risk management at State Street and is also a five-time “Jeopardy!” champion.