Subaru Legacy Insurance

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Written by Candace Jenkins
Written by Candace Jenkins

Candace Jenkins is a licensed insurance advisor with over a decade of experience. She is also a writer and loves to write on all things insurance. Candace writes for on a continuous basis and is here with the facts about all your insurance inquiries.

Reviewed by Candace Jenkins
Reviewed by Candace Jenkins

Candace Jenkins is a licensed insurance advisor with over a decade of experience. She is also a writer and loves to write on all things insurance. Candace writes for on a continuous basis and is here with the facts about all your insurance inquiries.

Subaru Legacy

The Subaru Legacy is known for its ultra comfort and advanced safety features that come standard, thus making the Legacy a natural choice when deciding on vehicles.

You'll want the right car insurance for your Subaru Legacy, and an independent insurance agent will assist in getting you the proper coverage.

Not sure where to start? 

You can use a find-an-agent tool here that matches you with a local independent insurance agent who will help you find the best price on coverage for your Subaru Legacy. 

What Kind of Insurance Do You Need for Your Subaru Legacy? 

You have several options when it comes to insuring your Subaru Legacy. Laws vary from one state to another, and some optional coverages make sense if you want to be protected appropriately. 

Most states mandate the following coverage: 

Bodily Injury Liability: If you are in an accident that causes injury to passengers, pedestrians, or other drivers, bodily injury liability pays for medical expenses. It will even cover lost wages as a result of an injury.

Property Damage Liability: If you or a permitted driver of your car damage another person's property, your property damage liability policy will respond. The policy will pay for the cost to another vehicle or structure. Property damage liability doesn't cover damage to your car, however. 

Many states require this coverage: 

Medical Payments/Personal Injury Protection: If you or your passengers are hurt, medical payments (med pay) or personal injury protection (PIP) coverage pays for necessary medical treatment. PIP insurance is available in "no-fault" states and required in most areas. You'll have the chance to purchase med pay in all other states.

Uninsured and Underinsured Motorist Coverage: Uninsured and underinsured motorist (UM/UIM) coverage pays for damages to your vehicle if you are in an accident with an improperly insured driver. Many drivers still fail to carry state minimum coverage, and UM/UIM will come in handy.

Optional Coverage: 

Collision: Collision insurance will pay damages to other people's property on your behalf if you cause an accident. Without collision coverage, you'll be liable to cover the cost out of pocket. 

Comprehensive: Your Subaru Legacy is at risk, even parked in your garage. A natural disaster, storm, and other incidents out of your control could cause damage to your vehicle. Comprehensive coverage will respond when and if this happens. 

Glass Coverage: Replacing your Subaru Legacy's windshield can run upwards of $500. Instead of paying that cost yourself, you could have your windshield replaced with zero-deductible glass coverage. This policy endorsement is a minimal expense, only costing a few extra dollars per month.

Gap Insurance: Gap Insurance will pay the difference between your Subaru Legacy's value and the amount due on the loan if a total loss occurs. Without gap coverage, you'll be responsible for paying the difference yourself. 


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What Affects the Cost of Insurance for Your Subaru Legacy

A variety of factors go into calculating insurance premiums for a Subaru Legacy. For instance, a younger driver will pay more premiums because of their experience level and the number of accidents on record in that age group. Teen Subaru Legacy drivers spend an average price of $4,820 per year for insurance. The average rate overall is $1,388 per year. A high-risk driver with multiple driving violations will pay an average of $2,938 per year for Subaru Legacy insurance. 

Average Cost of Subaru Insurance by Model

The year, make, and model of Subaru you drive will affect your insurance premiums. The rates assume that the driver is a 40-year-old male with a clean driving history. Premiums also reflect a $500 comprehensive and collision deductible, UM/UIM coverage, and minimum liability limits. Rates are averaged across all 50 states. 

Average annual insurance premium for a new Subaru by model
Subaru BRZ $1,376
Subaru Crosstrek $1,320
Subaru Forester $1,346 
Subaru Impreza $1,428
Subaru Legacy $1,388 
Subaru Outback $1,378
Subaru Tribeca $1,440
Subaru WRX $1,394

The Safety of Your Subaru Legacy

How likely you are to file a claim when you drive a specific type of car is determined by the safety features offered. Fortunately, Subaru is known as one of the safest car companies on the market.

The Subaru Legacy offers forward collision warning, automatic emergency braking, lane departure warning, and adaptive cruise control. With other optional features available. The Legacy has a five-star rating across the board and gets high marks with the Insurance Institute of Highway Safety.

How Location Affects Your Subaru Legacy Insurance

Where you live will play a part in your insurance premiums. Carriers will take into account local crime rates, the number of claims filed in an area, and traffic patterns.

Average yearly auto insurance rates are the least expensive in these states:
Ohio $1,154
Indiana $1,180
Washington $1,348
Arizona $1,613
Illinois $1,858
Average yearly auto insurance rates are most expensive in these states:
California $2,370
New York $2,193
Texas $2,174
Florida $2,009
Pennsylvania $1,851

Average Cost to Insure a Subaru Legacy

The annual average cost in the United States to insure your Subaru Legacy is $1,388. Prices will vary depending on where you live, your age, your driving history, and coverages you choose.

Here's how Subaru Legacy rates change for younger vs. older drivers:

Subaru Legacy rates by age for full coverage with a $500 deductible
Age Premium
16 $4,820
20 $3,094
30 $1,462
40 $1,388
50 $1,260
60 $1,234

Top Independent Insurance Carriers That Insure the Subaru Legacy

The right coverage for your Subaru Legacy is essential and so is the company that provides that insurance. Your carrier should be truthful and responsive to claims and policy changes. The US Independent Insurance Agent Satisfaction Study by J.D. Power gave these companies an excellent recommendation: 

  1. Progressive
  2. Safeco
  3. Travelers

Get a Subaru Legacy Quote 

Reach out to a agent today to get a quote for insurance on your Subaru Legacy. An independent insurance agent can shop dozens of insurance companies, providing you with the most affordable and complete auto insurance coverage.

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