Toyota Camry vs. Subaru Legacy Car Insurance Cost

• For 2024 models, a Subaru Legacy is cheaper to insure than a Toyota Camry by an average of $168 per year.
• With 11 models in the 2024 midsize car automotive segment, the Toyota Camry ranks ninth and the Subaru Legacy ranks sixth for most affordable car insurance rates.
• If cheap insurance is your top priority, the LE and SE trims are the most affordable Toyota Camry models to insure, while the Base and Premium trims cost the least to insure for the Subaru Legacy.
• When compared to the average U.S. car insurance rate of $1,883 per year, the Toyota Camry costs an average of $157 more per year, while the Subaru Legacy averages $11 less per year.

Is Toyota Camry or Subaru Legacy car insurance cheaper?

For 2024 models, the model with cheaper average insurance rates is the Subaru Legacy. Insurance rates on a Toyota Camry cost an average of $2,040 per year, whereas insurance for the Subaru Legacy costs an average of $1,872 per year.

Out of 18 Toyota Camry trims, the cheapest 2024 model to insure is the LE model at an average cost of $1,876 per year. The 2024 Subaru Legacy has five trim levels available, with the cheapest trim level to insure being the Base model at an average cost of $1,734 per year, or around $145 per month.

When rates are compared for the 23 trim levels of both 2024 models, the overall cheapest vehicle to insure is the Subaru Legacy Base at an average cost of $1,734 per year. The highest-cost model and trim is the Toyota Camry XSE AWD costing an average of $2,144 per year.

The table shown below compares the 12-month and monthly car insurance cost for 2024 Toyota Camry and Subaru Legacy models, showing average premium cost for each trim level.

The rate chart below illustrates the average cost to insure both 2024 models rated for drivers aged 20 to 50. For a 2024 Toyota Camry, the average car insurance cost ranges from $1,802 to $4,110 per year for the age groups used in the chart. A 2024 Subaru Legacy costs from $1,662 to $3,782 to insure per year.

The next two tables show the average cost to insure all 2024 trim levels, along with the average rate for each model. The model with the cheapest average car insurance rates for 2024 is the Subaru Legacy.

2023 Toyota Camry vs. Subaru Legacy

For 2023 Camry and Legacy models, the model with cheaper average insurance rates is the Subaru Legacy. Insurance rates on a Toyota Camry cost an average of $1,754 per year, and the Subaru Legacy averages $1,700 per year.

Out of 18 trims for the 2023 Toyota Camry, the cheapest rates are on the LE model at a cost of $1,618 per year, or about $135 per month.

The 2023 Subaru Legacy has five trim levels available, with the cheapest trim to insure being the Base AWD model at an average cost of $1,568 per year.

When rates are compared for the 23 trim levels of both 2023 models, the most affordable model and trim level to insure is the Subaru Legacy Base AWD at a cost of $1,568 per year, and the most expensive vehicle to insure is the Toyota Camry XSE Hybrid costing an average of $1,870 per year.

For model years prior to 2023, U.S. national average auto insurance costs for each model compare as follows. Click on any link to show a full comparison for that year.

• 2022 Toyota Camry vs. Subaru Legacy – Insurance rates for a 2022 Subaru Legacy average $10 less per year than a 2022 Toyota Camry.
• 2021 Toyota Camry vs. Subaru Legacy – Insurance rates for a 2021 Toyota Camry average $10 less per year than a 2021 Subaru Legacy.
• 2020 Toyota Camry vs. Subaru Legacy – For this model year, the Toyota Camry is cheaper by an average of $12 per year.
• 2019 Toyota Camry vs. Subaru Legacy – The Subaru Legacy is cheaper to insure than the Toyota Camry by an average of $26 per year.
• 2018 Toyota Camry vs. Subaru Legacy – Subaru Legacy insurance cost averages $54 less per year than the Toyota Camry.
• 2017 Toyota Camry vs. Subaru Legacy – Insurance rates for a 2017 Subaru Legacy average $90 less per year than a 2017 Toyota Camry.
• 2016 Toyota Camry vs. Subaru Legacy – Subaru Legacy insurance cost averages $72 less per year than the Toyota Camry.
• 2015 Toyota Camry vs. Subaru Legacy – For this model year, the Subaru Legacy is cheaper by an average of $76 per year.

The table shown below ranks the cost of car insurance for 2023 Toyota Camry and Subaru Legacy models, with average cost for each trim level.

The chart below displays the average cost to insure the two models for the 20 to 50-year-old driver age groups. Average insurance cost ranges from $1,556 to $3,528 per year for a 2023 Toyota Camry, and $1,506 to $3,456 for a 2023 Subaru Legacy for the included driver ages.

The tables shown below illustrate the cost to insure the available trim levels for both 2023 models, plus the average rate for each model. The 2023 Subaru Legacy has more affordable average car insurance rates than the 2023 Toyota Camry.

2022 Toyota Camry vs. Subaru Legacy

Insurance on a 2022 Toyota Camry averages $1,704 per year, while insurance for a Subaru Legacy costs an average of $1,678 per year, making the Subaru Legacy the cheaper of the two to insure for the current model year.

The actual price you’ll pay for insurance can vary significantly depending on the trim level, however.

Using the Toyota Camry as an example, rates range from the lowest rate of $1,590 per year for the LE model up to the most expensive rate of $1,872 for the XSE Hybrid model.

For the 2022 Subaru Legacy, rates can range from $1,534 per year on the AWD model up to $1,816 for the most expensive to insure Touring XT AWD model.

For a 2022 Toyota Camry, the cheapest models are the LE, XLE, and XLE AWD. The cheapest Subaru Legacy models include the AWD, Premium AWD, and Sport AWD.

The table below ranks the yearly and monthly cost of car insurance for 2022 Toyota Camry and Subaru Legacy models, showing cost for each trim level of both models.

The rate chart below displays the average insurance cost for both models rated for drivers aged 20 to 50.

The average full-coverage insurance policy ranges from $1,512 to $3,424 per year for a 2022 Toyota Camry, and $1,486 to $3,410 on a 2022 Subaru Legacy for the age groups used in this illustration.

The 2022 Toyota Camry has 17 trim levels available, with the cheapest trim to insure being the LE trim at an average cost of $1,590 per year. For the six trim and option levels available for the Subaru Legacy, the cheapest 2022 trim level to insure is the AWD trim at a cost of $1,534.

When comparing both models combined at a trim-level basis, the overall cheapest vehicle to put coverage on is the Subaru Legacy AWD at an average cost of $1,534 per year. The most expensive model and trim level is the Toyota Camry XSE Hybrid costing an average of $1,872 per year.

The tables shown below illustrate average cost to insure each trim level for a 2022 Toyota Camry and Subaru Legacy, including the average rate for each model. The cheapest model to insure for the 2022 model year is the Subaru Legacy.

2021 Toyota Camry vs. Subaru Legacy

A 2021 Toyota Camry is $10 cheaper to insure per year on average than a 2021 Subaru Legacy, a difference of 0.6%.

The following chart displays the average insurance cost for both 2021 models for the 20, 30, 40, and 50-year-old driver age groups.

The average car insurance cost ranges from $1,518 to $3,456 per year on a 2021 Toyota Camry, and $1,530 to $3,508 on a 2021 Subaru Legacy for the five driver ages sampled in the chart.

The 2021 Toyota Camry has eight trim levels available, with the cheapest trim level to insure being the L Sedan model at an average cost of $1,552 per year, or about $129 per month.

For the six different option levels available for the Subaru Legacy, the cheapest 2021 model to insure is the AWD trim at a cost of $1,590 per year, or $133 per month.

When trim-level rates for both models are compared, the lowest-cost model and trim to buy insurance for is the Toyota Camry L Sedan at an average rate of $1,552 per year, and the highest-cost model and trim level is the Toyota Camry Hybrid XLE Sedan at an average of $1,882 per year.

The next two rate tables break down average car insurance cost by trim level for each 2021 model, as well as the overall average rate for each model. The model with the cheapest average car insurance rates for 2021 is the Toyota Camry.

2020 Toyota Camry vs. Subaru Legacy

For 2020 Toyota Camry and Subaru Legacy models, the Toyota Camry has lower-cost car insurance by an average of $12 per year.

The following chart shows the average car insurance cost for the two models with different ages of drivers.

For a 2020 Toyota Camry, insurance cost ranges from $1,472 to $3,352 per year for the illustrated age groups. Insurance on a 2020 Subaru Legacy costs from $1,486 to $3,404 on average per year.

Out of eight trims for the 2020 Toyota Camry, the cheapest insurance prices are on the L Sedan model at a cost of $1,506 per year, or $126 per month. For the six option levels available for the Subaru Legacy, the cheapest 2020 model to insure is the AWD trim at a cost of $1,546.

When all 14 trims of both models are combined and compared, the lowest-cost model and trim to buy insurance for is the Toyota Camry L Sedan at an average cost of $1,506 per year. The highest-cost model and trim level is the Toyota Camry Hybrid XLE Sedan at an average of $1,826 per year.

The next two tables display average car insurance rates for every trim level for both 2020 models, along with the average rate for each model. The 2020 Toyota Camry wins the head-to-head comparison over the 2020 Subaru Legacy for the cheapest overall car insurance rates.

2019 Toyota Camry vs. Subaru Legacy

When comparing insurance rates for 2019 models, a Toyota Camry costs an average of $1,554 per year to insure and a Subaru Legacy costs $1,528, making the Subaru Legacy cheaper to insure by $26 per year for this comparison year.

The following chart shows the average cost to insure both 2019 models for the 20 to 50-year-old driver age groups.

The average cost of full-coverage insurance ranges from $1,384 to $3,146 per year on a 2019 Toyota Camry, and $1,354 to $3,108 for a 2019 Subaru Legacy for the age groups in the chart

Out of eight trims for the 2019 Toyota Camry, the cheapest average insurance prices are on the L Sedan model at a cost of $1,284 per year, or $107 per month. For the five trims available for the Subaru Legacy, the cheapest 2019 model to insure is the 2.5I AWD trim at a cost of $1,418 per year, or around $118 per month.

When comparing car insurance rates for both models by trim level, the overall cheapest vehicle to buy insurance for is the Toyota Camry L Sedan at an average cost of $1,284 per year. The most expensive model and trim level is the Toyota Camry Hybrid XLE Sedan at an average of $1,686 per year.

The tables below illustrate trim level insurance cost averages for both 2019 models, including an overall average cost for each model. The 2019 Subaru Legacy has more affordable average car insurance rates than the 2019 Toyota Camry.

2018 Toyota Camry vs. Subaru Legacy

For the 2018 Toyota Camry and Subaru Legacy models, the Subaru Legacy has cheaper car insurance cost by an average of $54 per year.

The rate chart below visualizes the average car insurance cost for both 2018 models for drivers aged 20 to 50.

For a 2018 Toyota Camry, insurance cost ranges from $1,338 to $3,026 per year for the driver ages used. Car insurance for a 2018 Subaru Legacy costs from $1,282 to $2,934 on average per year.

The 2018 Toyota Camry has eight trim levels available, with the cheapest trim level to insure being the L Sedan trim at an average cost of $1,344 per year. The 2018 Subaru Legacy has five option levels available, with the cheapest trim level to insure being the 2.5I AWD model at an average cost of $1,356 per year, or around $113 per month.

When comparing car insurance rates for both models by trim level, the lowest-cost model and trim to put coverage on is the Toyota Camry L Sedan at an average cost of $1,344 per year, and the most expensive trim is the Toyota Camry Hybrid XLE Sedan at an average of $1,614 per year.

The next tables show average car insurance rates for every trim level for both 2018 models, plus the average rate for each model.

2017 Toyota Camry vs. Subaru Legacy

When comparing car insurance rates for 2017 models, a Toyota Camry costs an average of $1,452 per year to insure while a Subaru Legacy costs $1,362, making the Subaru Legacy more affordable to insure by $90 per year.

The next chart demonstrates the average insurance cost for both 2017 models for the 20, 30, 40, and 50-year-old driver age groups.

Insurance cost ranges from $1,298 to $2,928 per year on a 2017 Toyota Camry, and $1,212 to $2,766 for a 2017 Subaru Legacy for the sample drivers in the chart

Out of seven Toyota Camry trim levels, the cheapest 2017 model to insure is the LE Sedan model at an average cost of $1,354 per year, or $113 per month. For the six option levels available for the Subaru Legacy, the cheapest 2017 model to insure is the 2.5I AWD model at a cost of $1,264 per year, or about $105 per month.

When looking at the combined rates by trim for both models, the overall cheapest vehicle to insure is the Subaru Legacy 2.5I AWD at an average cost of $1,264 per year. The most expensive vehicle to insure is the Toyota Camry Hybrid XLE Sedan at a cost of $1,554 per year.

The two tables below show trim level insurance cost averages for both 2017 models, including an overall average rate.

2016 Toyota Camry vs. Subaru Legacy

When comparing insurance rates for the 2016 Toyota Camry and Subaru Legacy models, the Subaru Legacy has cheaper rates by an average of $72 per year for this model year.

The following chart visualizes the average car insurance cost for the two models rated for drivers aged 20 to 50.

Average insurance cost ranges from $1,198 to $2,694 per year on a 2016 Toyota Camry, and $1,128 to $2,558 for a 2016 Subaru Legacy for the age groups included in the chart

The 2016 Toyota Camry has seven trim levels available, with the cheapest model to insure being the LE Sedan trim at an average cost of $1,302 per year.

For the four option levels available for the Subaru Legacy, the cheapest 2016 model to insure is the 2.5I AWD trim at a cost of $1,194 per year, or around $100 per month.

When rates for all 11 trim levels for both vehicles are compared, the most affordable model and trim level to put coverage on is the Subaru Legacy 2.5I AWD at a cost of $1,194 per year, and the most expensive model and trim level is the Toyota Camry XSE Sedan at a cost of $1,378 per year.

The next two rate tables display trim level insurance cost averages for both 2016 models, plus the average rate for each model. The winner for the 2016 car insurance cost comparison is the Subaru Legacy.

2015 Toyota Camry vs. Subaru Legacy

When comparing average insurance rates for 2015 models, a Toyota Camry costs an average of $1,224 per year to insure and a Subaru Legacy costs $1,148, making the Subaru Legacy more affordable to insure by $76 per year.

The next chart illustrates the average car insurance cost for the two models rated for multiple driver ages. Average insurance cost ranges from $1,098 to $2,448 per year for a 2015 Toyota Camry, and $1,022 to $2,314 on a 2015 Subaru Legacy for the age groups in the chart.

Out of seven trims for the 2015 Toyota Camry, the cheapest car insurance rates are on the LE Sedan model at a cost of $1,130 per year. For the four different option levels available for the Subaru Legacy, the cheapest 2015 trim level to insure is the 2.5I AWD trim at a cost of $1,082.

When looking at the combined rates by trim level for both models, the lowest-cost model and trim to buy insurance for is the Subaru Legacy 2.5I AWD at an average of $1,082 per year. The most expensive trim is the Toyota Camry Hybrid XLE Sedan costing $1,300 per year.

The two tables below illustrate the average cost to insure all 2015 trim levels, as well as the overall average rate for each model.

Additional Toyota Camry and Subaru Legacy Resources

• Toyota Camry Insurance Cost
• Subaru Legacy Insurance Cost
• Midsize Car Insurance Cost Comparisons