Subaru Legacy Car Insurance: How Much Should You Expect to Pay?

Subaru Legacy drivers pay about $161 per month for their car insurance, on average. Learn about how much auto insurance companies might charge to insure your Subaru Legacy with our in-depth guide.

Quick Facts

  • A Subaru Legacy is cheaper to insure compared to the average car.

  • Liability insurance for a Legacy runs around $71 a month, while full coverage normally comes in at about $151 monthly.

  • Hugo provides the lowest average premiums for a Legacy with liability only coverage offered for as little as $29 a month.

Legacy Overview

The Subaru Legacy is a great car for drivers on a budget, with a base price of just $25,245 for new 2022 models. In addition to it being on the affordable end of the spectrum when it comes to overall price point, it's also a smart option for your budget when you consider your future car insurance rates.

We combed through thousands of insurance quotes on Compare.com, and we've determined that average Subaru Legacy auto insurance prices run around $161 monthly. How do car insurance rates for the Legacy compare to prices of other similar cars?

Current Base Price$25,245
Body Style(s)Car
Trim LevelsLEGACY, LIMITED, PREMIUM, TOURING XT, LIMITED XT, SPORT
Average Insurance Premium$161/mo.
Cheapest Insurance CompanyHugo

How Much is Car Insurance for a Subaru Legacy?

Vehicle Liability Only Full Coverage
Subaru Legacy$71$151
All Subaru Models$71$157
All Cars$83$177
Average Insurance Premium$81$169

Looking at the table above, you can see that compared to other vehicles, Subaru Legacy insurance premiums are cheaper than average. Legacy owners can expect to pay about $71 per month for liability insurance, and around $151 a month for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can provide more details on these different types of insurance).

When compared to other models, the Legacy is on par with the other vehicles in Subaru's lineup. Compared to offerings from other brands, auto insurance for a Legacy is also more affordable, with full coverage insurance rates coming in about 15% less and 14% less for liability only insurance.

They're also more affordable to insure than the average vehicle overall, no matter what make, body style, or model they are.

See what you'll pay in just minutes

Who has the Cheapest Car Insurance for a Subaru Legacy?

Insurance Company Average Monthly Premium
Hugo$29
Commonwealth Casualty$30
AnswerFinancial$34
Safeco$34
Clearcover$35

If you're looking for a car insurance policy for a Subaru Legacy, you're probably most interested in which company offers the most affordable premiums. Although prices can vary dramatically depending on your driver profile, Hugo has the most affordable average rates for liability only coverage, with rates as cheap as $29 monthly. The next cheapest carrier is Commonwealth Casualty, who offers insurance sometimes as low as $30 per month.

Finishing off the rest of the top 5 are AnswerFinancial, Safeco, and Clearcover. That being said, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest companies for you and your unique insurance profile.

Auto insurance carriers take multiple different factors into consideration when calculating monthly premiums. Because every driver is different, there's only one way to ensure you get the lowest prices, and that's by getting personalized quotes and comparing rates from a multitude of auto insurance companies.

See what you'll pay in just minutes

What Factors Affect Car Insurance Rates for a Subaru Legacy?

As we mentioned above, there are a whole bunch of things that insurance carriers use to determine how much they charge for car insurance -- and each company weighs certain factors more than others, so there's not a single carrier that's the cheapest for everyone.

The sections below show a lot of variables auto insurance companies use to calculate rates:

Vehicle Age

Vehicle Age Average Monthly Premium
Less than 1 Year$68
2-3 Years$77
4-5 Years$75
6-7 Years$72
8-10 Years$89
11-14 Years$73
15 Years or Older$66

The Subaru Legacy has been around for a while, so vehicle age will likely make a big difference in what you end up paying for insurance. Normally, newer cars are going to cost more to insure because they're worth more, however, as time goes on and Legacys begin to depreciate, insurance costs will gradually decrease.

Based on the information in the table above, the Subaru Legacy is inline with this trend, as the most expensive models to insure are those that are 8 to 10 years old, while the cheapest models are Legacys that are 15 years old or more, on average.

Your Age

Age Average Monthly Premium
Under 18$176
18-24$106
25-34$67
35-44$57
45-54$54
55-64$52
65 or Older$55

Age is another factor that plays a role in how much car insurance carriers will charge you. As you can see in the table above, teenage drivers pay more expensive premiums compared to drivers who have more experience. In this case, drivers under 18 pay more than twice as much as those 25 or older.

Insurance prices continue to go lower as you get older, with the cheapest age group for Legacy drivers being 55-64.

Your Gender

Gender Average Monthly Premium
Male$75
Female$66

Did you know women tend to pay less for auto insurance than men? This is because men are more likely to get into collisions and get tickets, which raises the chances of an insurance claim. The Subaru Legacy is no different, and men pay around $75 a month for car insurance, while women pay about $66.

Where You Live

State Average Monthly Premium
California$49
Florida$107
Georgia$111
Illinois$46
New York$150
North Carolina$43
Ohio$46
Pennsylvania$66
Texas$54
Virginia$51

You might already know that factors such as how old you are and what vehicle you drive play a role in your insurance rates, but did you know that where you live is just as important? Because car insurance is regulated on the state level and not nationally, premiums differ quite a bit depending on which state you call home.

For example, the average Subaru Legacy driver in New York pays around $150 per month for liability coverage, while on average, the same owner in California will pay less than half of that price. The table above shows average prices for the 10 largest states by population, just to give you a good idea of how much premiums can change depending on where you live.

See what you'll pay in just minutes

Subaru Legacy Car Insurance Discounts

Regardless of your home state, your car, or your age, using as many discounts as possible when it comes to your auto insurance policy is always a good idea.

While no two insurance companies offer the same exact discounts, there are a few different ones that you'll find with most carriers. These include things like:

  • Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like air bags or anti-lock brakes)
  • Defensive driving discounts for drivers who take a defensive driving class through a certified school or institution
  • Multi-policy discounts for getting both your home and auto policies from the same company
  • Pay-in-full discounts for drivers who choose to pay their entire policy rate up front, rather than by monthly payments

There are all sorts of other discounts out there for saving money on your car insurance. Sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like driving safely, avoiding lapses in coverage, and not having recent insurance claims.

Even though you can't control every variable insurance companies take a look at to calculate rates (like some of the ones mentioned above), there are quite a few that you do have control over. Below are just a few of the ones you can use in your favor in order to save on auto insurance:

Your Driving Record

Infractions Average Monthly Premium
1 Accident$86
Multiple Accidents$120
1 Ticket$88
Multiple Tickets$97

You've probably seen ads from car insurance carriers offering large savings for good drivers. And you probably wouldn't be surprised that your auto insurance prices will go up if you get into an accident or get a speeding ticket. But exactly how much can it cost you for these infractions?

Based on the table above, accidents will usually cost Legacy drivers less than tickets, but both will result in higher than normal rates. Subaru Legacy drivers with a single accident on their record pay an average of $86 a month (up $15 from the $71/mo. overall average), while drivers with one ticket will pay about $88 monthly. Drivers with multiple kinds of either violation will end up paying even more.

How Much You Drive

Annual Mileage Average Monthly Premium
0-2,500 Miles$61
2,501-5,000 Miles$62
5,001-7,500 Miles$61
7,501-10,000 Miles$76
10,000+ Miles$73

Another factor you have control over is the total distance you drive each year. Drivers who are on the roads less are less likely to get into collisions, so they'll usually end up spending less on insurance. In the above table, you can see that Subaru Legacy owners who drive fewer than 2,500 miles each year pay an average of $61 per month for car insurance, while those who put 10,000 miles or more on their cars pay $73.

If you don't drive much because you work from home or have a second vehicle, it may be worth learning about usage-based or pay-per-mile insurance. With these plans, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

See what you'll pay in just minutes

How Do Subaru Legacys Compare to Other Vehicles?

If you're thinking about purchasing a new vehicle and a Subaru Legacy is on your shortlist, you might be wondering how it compares to other vehicles. Car insurance is just one cost that's associated with a new car purchase, but it's definitely one that's worth considering.

Take a look at the table below to see how the Subaru Legacy stacks up:

Subaru Legacy National Average
Liability Insurance-$81
Full Coverage Insurance$158$169
Base MSRP$25,245$42,283
Average Annual Mileage10,82911,660

With an MSRP that's a third less than the going rate for a new vehicle, the Subaru Legacy is a fantastic value for any budget. The Legacy starts at $25,245, which is quite a bit lower than the national average vehicle MSRP of $42,283.

Liability insurance for a Subaru Legacy is, while full coverage is $11 less a month.

When it comes to usage, Subaru Legacy drivers are near the national average in annual miles driven, with 11,660 miles every year for all vehicles compared to the Legacy's 10,829 per year.

Subaru Legacy Car Insurance Costs by Model Year

So far, you've seen how different variables affect a driver's auto insurance premiums. But if you're considering buying a new Legacy, knowing what you'll likely pay can be extremely valuable as you weigh your choices.

That's why we've broken down Subaru Legacy car insurance prices by model year. Choose a model year from the dropdown below to see average rates for both full coverage and liability only options. You'll also find some other helpful info, like cheapest insurance carrier available trims for each year the Legacy has been around.

2021 Subaru Legacy Car Insurance

   
Liability Only Avg. Premium$65
Full Coverage Avg. Premium$232
Base MSRP$25,145
Cheapest Insurance CompanySafeco - $27/mo.
Available TrimsLEGACY, LIMITED, LIMITED XT, PREMIUM, SPORT, TOURING XT

If you're in the market for a brand new Subaru Legacy, there are plenty of options to choose from. A base model Legacy will put you back $25,245 (plus taxes and other fees), but with six different trim levels to pick from, the price can go up from there.

When it comes to insuring a Legacy, it costs about $232 monthly, on average, to buy full coverage insurance for a 2021 Subaru Legacy and $65 per month for a liability only policy. And if you want the most affordable insurance possible, Safeco offers liability only policies for sometimes as cheap as $27 monthly.

While it helps to know the average price drivers pay to insure a 2021 Legacy, you'll only find out exactly what you'll pay if you get a personalized quote. With Compare.com, you can get several quotes at once, all for free. To get started, just enter your ZIP code below.

See what you'll pay in just minutes

2020 Subaru Legacy Car Insurance

   
Liability Only Avg. Premium$61
Full Coverage Avg. Premium$197
Base MSRP$22,745
Cheapest Insurance CompanySafeco - $17/mo.
Available TrimsLEGACY, LIMITED, LIMITED XT, PREMIUM, SPORT, TOURING XT

If you're in the market for a 2020 Legacy or already own one, you're most likely looking at an average auto insurance price of around $61 for liability or $197 for full coverage.

And if you're just looking for the cheapest insurance for your Legacy, Safeco offers liability only policies for as low as $17 a month.

Interested in just how much you'll pay? Enter your ZIP code below to get a variety of personalized quotes for free.

See what you'll pay in just minutes

2019 Subaru Legacy Car Insurance

   
Liability Only Avg. Premium$70
Full Coverage Avg. Premium$136
Base MSRP$22,545
Cheapest Insurance CompanyClearcover - $35/mo.
Available Trims2.5I, 2.5I LIMITED, 2.5I PREMIUM, 3.6R LIMITED, SPORT

The average cost to insure a 2019 Subaru Legacy with liability only coverage is $70 per month, while full coverage runs about $136 a month.

We found Clearcover offered the lowest policy, with rates as low as just $35 monthly.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

See what you'll pay in just minutes

2018 Subaru Legacy Car Insurance

   
Liability Only Avg. Premium$106
Full Coverage Avg. Premium$187
Base MSRP$22,195
Cheapest Insurance CompanyClearcover - $24/mo.
Available Trims2.5I, 2.5I LIMITED, 2.5I PREMIUM, 3.6R LIMITED, SPORT

It costs around $106 per month for liability or $187 for a full coverage policy for the 2018 Legacy.

If you're looking for the lowest possible 2018 Subaru Legacy insurance policy, Clearcover offered the most affordable policy we found, with rates as cheap as just $24 monthly.

If you want to find the best rates for auto insurance for a 2018 Subaru Legacy, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

See what you'll pay in just minutes

2017 Subaru Legacy Car Insurance

   
Liability Only Avg. Premium$92
Full Coverage Avg. Premium$172
Base MSRP$21,995
Cheapest Insurance CompanyCommonwealth Casualty - $29/mo.
Available Trims2.5I, 2.5I LIMITED, 2.5I PREMIUM, 3.6R, 3.6R LIMITED, SPORT

On average, drivers who own a 2017 Subaru Legacy can expect to pay $92 to $172 a month for liability only and full coverage insurance, respectively.

Commonwealth Casualty has premiums sometimes as little as $29 per month for the 2017 Subaru Legacy.

What could your car insurance premium look like? Get lots of personalized quotes for free by just entering your ZIP code below.

See what you'll pay in just minutes

2016 Subaru Legacy Car Insurance

   
Liability Only Avg. Premium$73
Full Coverage Avg. Premium$139
Base MSRP$21,745
Cheapest Insurance CompanyMetLife - $21/mo.
Available Trims2.5I, 2.5I LIMITED, 2.5I PREMIUM, 3.6R LIMITED

2016 Legacy drivers can expect to pay an average of $73 a month for liability or $139 for full coverage.

MetLife offered the cheapest policy we found, with rates as little as just $21 monthly.

These average rates are a great starting point if you're in the market for a 2016 Subaru Legacy, but there are a bunch of different things that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

See what you'll pay in just minutes

2015 Subaru Legacy Car Insurance

   
Liability Only Avg. Premium$72
Full Coverage Avg. Premium$139
Base MSRP$21,695
Cheapest Insurance CompanyMetLife - $19/mo.
Available Trims2.5I, 2.5I LIMITED, 2.5I PREMIUM, 3.6R LIMITED

You can expect full coverage for a 2015 Subaru Legacy to run about $139 a month, while liability only coverage will average around $72 monthly.

With prices sometimes as little as $19 per month, MetLife offered the most affordable policy we found.

If you want to know exactly how much you can expect to pay for your Legacy, get free quotes in minutes by just entering your ZIP code below.

See what you'll pay in just minutes

2014 Subaru Legacy Car Insurance

   
Liability Only Avg. Premium$71
Full Coverage Avg. Premium$154
Base MSRP$20,295
Cheapest Insurance CompanyLiberty Mutual - $18/mo.
Available Trims2.5I, 2.5I LIMITED, 2.5I PREMIUM, 2.5I SPORT, 3.6R LIMITED

On average, drivers who own a 2014 Legacy can expect to pay $71 to $154 a month for liability only and full coverage auto insurance, respectively.

Looking for the lowest policy? Liberty Mutual offered liability only coverage for as cheap as just $18 monthly.

If you want to know exactly how much you can expect to pay for your Legacy, just enter your ZIP code below and get several free quotes in minutes.

See what you'll pay in just minutes

2013 Subaru Legacy Car Insurance

   
Liability Only Avg. Premium$77
Full Coverage Avg. Premium$156
Base MSRP$20,295
Cheapest Insurance CompanyAmerican Family - $24/mo.
Available Trims2.5I, 2.5I LIMITED, 2.5I PREMIUM, 3.6R, 3.6R LIMITED, 3.6R PREMIUM

2013 Subaru Legacy drivers can expect to pay an average of $77 per month for liability or $156 for full coverage.

With premiums as low as just $24 a month, American Family offered the cheapest policy we found for the 2013 Subaru Legacy.

If you're looking for a more exact figure on what you should pay for insurance for a 2013 Subaru Legacy, you can get free quotes in minutes by just entering your ZIP code below.

See what you'll pay in just minutes

2012 Subaru Legacy Car Insurance

   
Liability Only Avg. Premium$111
Full Coverage Avg. Premium$170
Base MSRP$19,995
Cheapest Insurance CompanyLiberty Mutual - $22/mo.
Available Trims2.5GT LIMITED, 2.5I, 2.5I LIMITED, 2.5I PREMIUM, 3.6R, 3.6R LIMITED, 3.6R PREMIUM

It costs about $111 per month for liability or $170 for a full coverage policy for the 2012 Legacy.

We found Liberty Mutual offered the lowest policy, with rates as low as $22 monthly.

Want to find the best rates? Enter your ZIP code below to get multiple free personalized quotes.

See what you'll pay in just minutes

2011 Subaru Legacy Car Insurance

   
Liability Only Avg. Premium$98
Full Coverage Avg. Premium$154
Base MSRP$19,995
Cheapest Insurance CompanyMetLife - $19/mo.
Available Trims2.5GT LIMITED, 2.5GT PREMIUM, 2.5I, 2.5I LIMITED, 2.5I PREMIUM, 3.6R, 3.6R LIMITED, 3.6R PREMIUM

You can expect full coverage for a 2011 Subaru Legacy to run around $154 per month, while liability only coverage will average about $98 a month.

MetLife has prices sometimes as cheap as $19 monthly for the 2011 Subaru Legacy.

While these are good estimates of what the average driver might pay to insure a 2011 Subaru Legacy, these rates might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

See what you'll pay in just minutes

2010 Subaru Legacy Car Insurance

   
Liability Only Avg. Premium$79
Full Coverage Avg. Premium$153
Base MSRP$19,995
Cheapest Insurance CompanySafeco - $17/mo.
Available Trims2.5GT LIMITED, 2.5GT PREMIUM, 2.5I, 2.5I LIMITED, 2.5I PREMIUM, 3.6R, 3.6R LIMITED, 3.6R PREMIUM

The average cost to insure a 2010 Legacy with liability only coverage is $79 per month, while full coverage runs around $153 monthly.

With premiums sometimes as low as $17 a month, Safeco offered the most affordable policy we found.

If you want to know just how much your rate will be, just enter your ZIP code below and get several free quotes in minutes.

See what you'll pay in just minutes

Subaru Legacy Insurance FAQs

Is a Subaru Legacy expensive to insure?

When compared to the national average of all vehicles, rates come in on the less expensive end of the spectrum. Liability insurance runs an average of $71 per month, while full coverage will cost you around $151.

How can I get the best price on car insurance for my Subaru Legacy?

The only way to be confident you're getting the cheapest price on car insurance is to check prices regularly and compare quotes from a bunch of companies. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from numerous carriers at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Subaru Legacy affect my insurance rates?

Have you heard the old adage that red cars cost more to insure before? Well, that's actually not true. There are a range of factors auto insurance companies think about when they offer prices, but your Legacy's color is not on that list.

Do I need to have insurance before I buy a Subaru Legacy?

Before you can legally drive your new (or new to you) Subaru Legacy off the dealership lot, you'll need to have valid car insurance for it. Some dealerships will offer you a car insurance policy as part of the buying process, but your best bet is letting your insurance company know beforehand.

What car insurance discounts can I get for my Subaru Legacy?

There are a wide array of different discounts out there for car insurance. Many of them (like "safe driver discounts" and "multi-vehicle discounts") are more based on you than the vehicle you drive, but if your Legacy has safety features like anti-lock brakes, airbags, anti-theft systems, and other features, it may qualify for certain discounts. The only way to be certain is to get in touch with your insurance carrier and ask about their list of discounts, since they fluctuate quite a bit from company to company.

Find your best rate in just a few minutes