Is it Cheaper to Insure a Honda Accord or Subaru Legacy?

• On average, a 2024 Honda Accord is cheaper to insure than a 2024 Subaru Legacy by $50 per year, $2,262 compared to $2,312.
• Out of 11 models in the 2024 midsize car segment, the Honda Accord ranks second and the Subaru Legacy ranks fifth for most affordable car insurance rates.
• The Honda Accord EX-L Hybrid and the Subaru Legacy Base are the cheapest models to insure for each vehicle in our comparison.
• When compared to the U.S. national average cost of car insurance of $2,221 per year, the Honda Accord averages $41 more per year, while the Subaru Legacy costs an average of $91 more per year.

Is insurance cheaper for a Honda Accord or Subaru Legacy?

For 2024 models, the one with the cheapest average auto insurance rates is the Honda Accord. Insurance rates on a Honda Accord cost an average of $2,262 per year, while the Subaru Legacy costs an average of $2,312 per year.

Out of six Honda Accord trim levels, the cheapest 2024 model to insure is the EX-L Hybrid model at an average cost of $2,180 per year.

For the five trim levels available for the Subaru Legacy, the cheapest 2024 trim level to insure is the Base model at a cost of $2,142.

When insurance rates for all 11 trim levels for both vehicles are compared, the lowest-cost model and trim is the Subaru Legacy Base at a cost of $2,142 per year, and the most expensive vehicle to insure is the Subaru Legacy Touring XT at an average of $2,460 per year.

The table below ranks the annual and monthly car insurance cost for 2024 Honda Accord and Subaru Legacy models, with average rates for each vehicle.

The chart shown below shows the average cost to insure both 2024 models using a range of rated driver ages. Average car insurance cost ranges from $2,002 to $4,552 per year for a 2024 Honda Accord, and $2,050 to $4,666 for a 2024 Subaru Legacy for the example age groups.

The next two tables illustrate the average cost to insure all 2024 trim levels, as well as an average rate for each model.

2023 Honda Accord vs. Subaru Legacy

For new Accord and Legacy models, the vehicle with the cheapest average car insurance rates is the Subaru Legacy. Insurance rates on a Honda Accord cost an average of $2,304 per year, while insurance for the Subaru Legacy costs an average of $2,098 per year.

Out of nine trims for the 2023 Honda Accord, the cheapest average car insurance prices are on the Hybrid trim at a cost of $2,134 per year, or around $178 per month. For the five trim levels available for the Subaru Legacy, the cheapest 2023 trim level to insure is the Base AWD model at a cost of $1,936 per year, or $161 per month.

When rates for all 14 trim levels for both vehicles are compared, the most affordable model and trim level to insure is the Subaru Legacy Base AWD at an average rate of $1,936 per year, and the most expensive trim is the Honda Accord Touring at an average of $2,502 per year.

The rate table below compares and ranks the annual and monthly cost of car insurance for 2023 Honda Accord and Subaru Legacy models, with average rates for each vehicle.

The rate chart below illustrates the average cost to insure both 2023 models for four different driver age groups. Average insurance cost ranges from $2,038 to $4,668 per year for a 2023 Honda Accord, and $1,858 to $4,262 for a 2023 Subaru Legacy for the included age groups.

The next two tables display the average insurance cost by trim level for both 2023 models, along with the average rate for each model. The model with the cheapest auto insurance rates for 2023 is the Subaru Legacy.

2022 Honda Accord vs. Subaru Legacy

When comparing 2022 Honda Accord and Subaru Legacy models, the vehicle with the cheapest average car insurance rates is the Subaru Legacy. Insurance on the Accord averages $2,228 per year, whereas insurance for a Legacy averages $2,072 per year.

Honda Accord insurance rates range from $2,044 per year for the Hybrid model up to the most expensive rate of $2,460 for the Touring model.

Subaru Legacy car insurance rates range from $1,892 per year for the AWD model up to $2,242 for the most expensive Touring XT AWD model.

The cheapest 2022 Honda Accord models to insure are the Hybrid, Hybrid EX-L, and LX. The cheapest Subaru Legacy models to insure include the AWD, Premium AWD, and Sport AWD.

The table below compares and ranks the yearly and monthly cost of car insurance for 2022 Honda Accord and Subaru Legacy models, broken down by individual trim level.

The chart below demonstrates the average cost to insure the two models for the age 20 through 50 driver segments.

For a 2022 Honda Accord, average car insurance cost ranges from $1,978 to $4,534 per year for the different drivers illustrated in the chart. Insurance for a 2022 Subaru Legacy ranges from $1,834 to $4,208 on average per year.

The 2022 Honda Accord has nine trim levels available, with the cheapest trim level to insure being the Hybrid trim at an average cost of $2,044 per year, or about $170 per month. The 2022 Subaru Legacy has six trim options available, with the cheapest trim level to insure being the AWD trim at an average cost of $1,892 per year, or about $158 per month.

When comparing rates by trim level for both models, the cheapest vehicle to put coverage on is the Subaru Legacy AWD at an average of $1,892 per year, and the most expensive trim is the Honda Accord Touring at an average cost of $2,460 per year.

The rate tables below illustrate the cost to insure the available trim levels for both 2022 models, along with an average cost for each model. The model with the cheapest overall car insurance rates for 2022 is the Subaru Legacy.

2021 Honda Accord vs. Subaru Legacy

For 2021 Honda Accord and Subaru Legacy models, the Subaru Legacy is cheaper to insure by an average of $10 per year for this model year.

The next chart illustrates the average insurance cost for both 2021 models with different drivers at the wheel. For a 2021 Honda Accord, average car insurance cost ranges from $1,894 to $4,336 per year for the chosen age groups in the chart. A full-coverage policy on a 2021 Subaru Legacy costs from $1,886 to $4,328 on average per year.

For the nine trims available for the 2021 Honda Accord, the cheapest trim to insure is the LX Sedan model at an average cost of $1,898 per year, or $158 per month. The 2021 Subaru Legacy has six trim and option levels available, with the cheapest trim to insure being the AWD trim at an average cost of $1,962 per year.

When looking at the aggregated rates by trim level for both models, the cheapest model and trim level to buy insurance for is the Honda Accord LX Sedan at a cost of $1,898 per year. The most expensive vehicle to insure is the Honda Accord Hybrid Touring Sedan costing $2,306 per year.

The rate tables below display all the available trims for both 2021 models, along with an average cost for each model. The 2021 Subaru Legacy takes the win over the 2021 Honda Accord for cheapest overall car insurance cost.

2020 Honda Accord vs. Subaru Legacy

For the 2020 Honda Accord and Subaru Legacy models, the Subaru Legacy costs less to insure by $14 per year.

The chart below demonstrates the average car insurance cost for both 2020 models rated for multiple driver ages. For a 2020 Honda Accord, insurance cost ranges from $1,842 to $4,216 per year. Auto insurance on a 2020 Subaru Legacy costs from $1,832 to $4,200 on average per year.

The 2020 Honda Accord has nine trim levels available, with the cheapest trim level to insure being the LX Sedan trim at an average cost of $1,846 per year, or about $154 per month.

Out of the six trim options available for the Subaru Legacy, the cheapest 2020 trim to insure is the AWD model at a cost of $1,908 per year, or about $159 per month.

When looking at the aggregated rates by trim for both models, the lowest-cost model and trim level to buy insurance for is the Honda Accord LX Sedan at a cost of $1,846 per year, and the highest-cost model and trim level is the Honda Accord Hybrid Touring Sedan at an average of $2,240 per year.

The tables below display the cost to insure the available trim levels for both 2020 models, along with the average rate for each model.

2019 Honda Accord vs. Subaru Legacy

A 2019 Subaru Legacy costs $108 less per year to insure per year on average than a 2019 Honda Accord, a difference of 5.6%.

The chart shown below shows the average car insurance cost for the two models rated for multiple driver ages. For a 2019 Honda Accord, the average cost of car insurance ranges from $1,768 to $4,048 per year for the chosen age groups in the chart. Car insurance for a 2019 Subaru Legacy costs from $1,672 to $3,836 on average per year.

The 2019 Honda Accord has nine trims available, with the cheapest model to insure being the LX Sedan trim at an average cost of $1,846 per year, or about $154 per month.

Out of the five different option levels available for the Subaru Legacy, the cheapest 2019 trim to insure is the 2.5I AWD model at a cost of $1,752.

When rates for all 14 trim levels for both vehicles are combined and compared, the lowest-cost model and trim level to insure is the Subaru Legacy 2.5I AWD at a cost of $1,752 per year. The most expensive vehicle to insure is the Honda Accord Touring Sedan at an average of $2,124 per year.

The next two tables illustrate the average cost to insure all 2019 trim levels, as well as an average rate for each model. The 2019 Subaru Legacy defeats the 2019 Honda Accord for the cheapest overall car insurance rates.

2018 Honda Accord vs. Subaru Legacy

When comparing insurance cost for 2018 models, the Honda Accord costs $1,900 per year to insure and the Subaru Legacy costs $1,782, making the Subaru Legacy the cheaper model to insure by $118 for 2018.

The chart shown below shows the average car insurance cost for both models using drivers aged 20 to 50. The average full-coverage insurance policy ranges from $1,690 to $3,850 per year for a 2018 Honda Accord, and $1,582 to $3,618 for a 2018 Subaru Legacy for the chosen age groups in the chart

For the 11 trims available for the 2018 Honda Accord, the cheapest model to insure is the LX Sedan model at an average cost of $1,774 per year. The 2018 Subaru Legacy has five trims available, with the cheapest trim level to insure being the 2.5I AWD trim at an average cost of $1,674 per year.

When auto insurance rates for all 16 trims of both models are combined and sorted by cost, the cheapest vehicle to insure is the Subaru Legacy 2.5I AWD at a cost of $1,674 per year, and the most expensive model and trim level is the Honda Accord Touring Sedan at a cost of $2,034 per year.

The next two tables display the expected annual car insurance cost by trim level for both 2018 models, including an overall average rate. The cheapest to insure for the 2018 model year is the Subaru Legacy.

2017 Honda Accord vs. Subaru Legacy

When comparing car insurance rates for the 2017 Honda Accord and Subaru Legacy models, the Subaru Legacy is cheaper by $132 per year.

The rate chart below demonstrates the average cost to insure the two models with different ages of drivers. For a 2017 Honda Accord, average car insurance cost ranges from $1,616 to $3,660 per year for the five driver ages sampled in the chart. A full-coverage policy for a 2017 Subaru Legacy ranges from $1,496 to $3,412 on average per year.

The 2017 Honda Accord has 20 trims available, with the cheapest trim level to insure being the LX Sedan trim at an average cost of $1,710 per year, or $143 per month.

For the six trims available for the Subaru Legacy, the cheapest 2017 trim level to insure is the 2.5I AWD model at a cost of $1,562 per year, or $130 per month.

When comparing rates by trim level for both models, the cheapest trim to insure is the Subaru Legacy 2.5I AWD at an average rate of $1,562 per year, and the most expensive model and trim level is the Honda Accord Touring Coupe at an average cost of $1,936 per year.

The tables shown below show average car insurance cost by trim level for a 2017 Honda Accord and Subaru Legacy, as well as the overall average rate for each model.

2016 Honda Accord vs. Subaru Legacy

When comparing insurance cost for 2016 models, the Honda Accord costs $1,738 per year for full coverage and the Subaru Legacy costs $1,562, making the Subaru Legacy the cheaper model to insure by $176 for the 2016 comparison year.

The chart shown below displays the average insurance cost for both 2016 models rated for a variety of different driver ages. Average car insurance cost ranges from $1,556 to $3,494 per year on a 2016 Honda Accord, and $1,394 to $3,160 on a 2016 Subaru Legacy for the included driver ages.

For the 17 trims available for the 2016 Honda Accord, the cheapest trim level to insure is the LX Sedan trim at an average cost of $1,620 per year. The 2016 Subaru Legacy has four trim levels available, with the cheapest trim to insure being the 2.5I AWD model at an average cost of $1,474 per year.

When car insurance rates for all 21 trim levels for both 2016 models are compared, the lowest-cost model and trim to buy insurance for is the Subaru Legacy 2.5I AWD at a cost of $1,474 per year, and the most expensive vehicle to insure is the Honda Accord Touring Coupe costing an average of $1,896 per year.

The next two rate tables break down the expected annual car insurance cost by trim level for both 2016 models, including an overall average rate.

2015 Honda Accord vs. Subaru Legacy

When comparing average insurance cost for 2015 models, the Honda Accord costs $1,540 per year for a full-coverage policy and the Subaru Legacy costs $1,416, making the Subaru Legacy the winner by $124.

The following chart shows the average car insurance cost for the two models using different driver ages. The average car insurance cost ranges from $1,384 to $3,082 per year on a 2015 Honda Accord, and $1,260 to $2,856 on a 2015 Subaru Legacy for these driver ages.

Out of 16 Honda Accord trim levels, the cheapest 2015 trim to insure is the LX Sedan trim at an average cost of $1,394 per year, or about $116 per month.

The 2015 Subaru Legacy has four trim options available, with the cheapest trim level to insure being the 2.5I AWD model at an average cost of $1,336 per year, or about $111 per month.

When rates are compared for the 20 trims of both 2015 models, the cheapest model and trim level to buy insurance for is the Subaru Legacy 2.5I AWD at an average cost of $1,336 per year, and the most expensive model and trim level is the Honda Accord Hybrid Touring Sedan at a cost of $1,678 per year.

The next two rate tables illustrate trim level insurance rates for each 2015 model, along with the average rate for each model.

Additional Honda Accord and Subaru Legacy Resources

• Honda Accord Insurance Cost
• Subaru Legacy Insurance Cost
• Midsize Car Insurance Cost Comparisons