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Subaru Legacy insurance rates

Average insurance cost for your Legacy: $162. But how low can your rates go with Geico?

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We pulled car insurance quotes from top insurance companies to find that the average monthly cost to insure a Subaru Legacy is $162.42 a month — or $1,949.04 yearly. However, some older models may cost less to insure than others depending on the safety features your vehicle has and which insurer you choose. And your actual costs depend on your specific details such as driving history, ZIP, age, annual mileage and other factors.

Model YearProgressiveGeicoState FarmFarmersAverage
2011 Subaru Legacy$111.57$97.57$169.37$168.02$136.63
2016 Subaru Legacy$127.74$109.68$158.18$163.08$139.67
2021 Subaru Legacy$146.91$126.54$186.21$190.03$162.42

How we got these rates

Our rates are based on a single 30-year-old driver with a clean driving history living in California. California is one of seven states that doesn’t use gender to determine car insurance costs. We chose full coverage car insurance with liability limits that exceed the California state minimum requirements, which include:

  • Bodily injury liability per person: $50,000
  • Bodily injury liability per accident: $100,000
  • Property damage liability: $50,000
  • Comprehensive deductible: $500
  • Collision deductible: $500
  • Medical payments: $5,000
  • Uninsured motorist bodily injury: $50,000/$100,000
Name Product Gap insurance Homeowner discount Telematics Has an app? Available states
AARP Auto Insurance Program from The Hartford
Yes
Yes
TrueLane®
No
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
The Zebra
Yes
Yes
Yes
Yes
All 50 states
Progressive
loan/lease coverage
Yes
Snapshot
Yes
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Pretected
Yes
Depends on provider
No
No
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
USAA
No
Yes
SafePilot
Yes
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Branch
Yes
No
Yes
Yes
AZ, CO, IL, IN, MD, MO, OH, OK, TX and WI
Benefit from this online-based startup’s steep savings and convenient online quotes and claims.
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About the Subaru Legacy

The Subaru Legacy has been around since 1989 and it is currently in its sixth generation. The midsize car is known for its roomy interior, excellent fuel economy and high safety scores. From its introduction in 2008, there has been over 3.6 million Legacy models produced worldwide.

Subaru Legacy money-saving safety features

You could save money on car insurance for your Subaru Legacy if it comes equipped with these safety features.

  • Antilock brakes
  • Stability control
  • Airbags
  • Seatbelt pretensioners
  • Antitheft system

How safe is the Subaru Legacy?

The 2017 Subaru Legacy received a 5-Star Overall Safety Rating from the National Highway Traffic Safety Administration. All crash tests performed by the government organization received the highest possible safety rating.

The Insurance Institute for Highway Safety (IIHS) named the Subaru Legacy as a Top Safety Pick+ car. All crash tests performed by the IIHS received good ratings, the highest possible rating.

The Subaru Legacy model includes antilock brakes, blind spot monitoring and stability control.

How does the Subaru Legacy compare to other car models?

From a price standpoint, the Subaru Legacy ranks right in the middle of our list of the 360 priciest car models to insure.

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