- The average Subaru Legacy car insurance cost is $2,312 per year, or $193 per month, for full coverage.
- The Legacy base trim level is the cheapest to insure at around $2,142 per year, while the most expensive model to insure is the Touring XT at $2,460 per year.
- The Legacy ranks fifth out of 11 vehicles in the 2024 midsize car class for car insurance affordability.
- Average insurance rates for earlier model years include the 2013 Subaru Legacy at $1,254 per year, the 2014 Legacy at $1,164, and 2015 models at $1,416.
How much does Subaru Legacy car insurance cost?
Subaru Legacy car insurance costs on average $2,312 a year for full coverage, or $193 each month. With the average midsize car costing $2,389 a year to insure, the Subaru Legacy would save around $77 or more each year on insurance.
Average monthly payments for full-coverage insurance on a 2024 Subaru Legacy range from $179 per month on the base Legacy base model to $205 per month on the Touring XT model.
The chart below displays the average car insurance cost on a 2024 Legacy using a range of different policy rating factors.
In order to help you grasp the full range of possible insurance rates, consider that a liability-only insurance policy on a Subaru Legacy in some parts of Idaho or Ohio can be as cheap as $236 a year, while a teenager with a poor driving record in some neighborhoods in Los Angeles could get a bill for $16,868 a year for a policy that provides full coverage.
What is the cheapest Subaru Legacy insurance?
With Subaru Legacy insurance rates ranging from $2,142 to $2,460 annually for the average driver, the cheapest trim level to insure is the base model. The second cheapest model to insure is the Premium at $2,218 per year. On average, plan on paying around $179 per month for a policy with full coverage on a new Legacy.
The most expensive trim levels of Subaru Legacy to insure are the Touring XT and the Sport both at $2,460 per year. Those two models will cost an extra $318 per year over the cheapest base model.
The rate table below shows average Legacy car insurance rates for annual and semi-annual policy terms, in addition to a monthly budget amount.
| 2024 Subaru Legacy Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Base | $2,142 | $179 |
| Premium | $2,218 | $185 |
| Limited | $2,344 | $195 |
| Sport | $2,396 | $200 |
| Touring XT | $2,460 | $205 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Updated June 27, 2025
How do Legacy insurance prices compare?
When compared directly to other popular midsize cars, insurance for a Subaru Legacy costs $204 less per year than Toyota Camry insurance, $50 more than Honda Accord insurance, $226 less than Nissan Altima insurance, and $438 less than Tesla Model 3 insurance.
The Subaru Legacy ranks fifth out of 11 total comparison vehicles in the 2024 midsize car segment. The Legacy costs an average of $2,312 per year for insurance and the class average cost is $2,389 per year, a difference of $77 per year.
The chart below shows how car insurance rates for a Subaru Legacy compare to the other nine best-selling models in the top 10 list. After the chart, a table is also included detailing insurance affordability rankings for the entire midsize car class.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Kia K5 | $2,258 | -$54 |
| 2 | Honda Accord | $2,262 | -$50 |
| 3 | Chevrolet Malibu | $2,272 | -$40 |
| 4 | Volkswagen Arteon | $2,302 | -$10 |
| 5 | Subaru Legacy | $2,312 | -- |
| 6 | Hyundai Ioniq 6 | $2,330 | $18 |
| 7 | Toyota Crown | $2,370 | $58 |
| 8 | Hyundai Sonata | $2,372 | $60 |
| 9 | Toyota Camry | $2,516 | $204 |
| 10 | Nissan Altima | $2,538 | $226 |
| 11 | Tesla Model 3 | $2,750 | $438 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each vehicle from the 2024 model year. Updated June 26, 2025
By factoring in MSRP, we can compare insurance cost for the midsize models that are priced most similarly to the Legacy. The 2024 Legacy has an average purchase price of $31,345 and ranges from $24,895 to $38,195.
The models that are closest in price to the Legacy are the Toyota Camry, Hyundai Sonata, Nissan Altima, and Honda Accord. The data below shows how those models compare to a 2024 Subaru Legacy for the overall purchase price and the average cost of insurance.
- Subaru Legacy vs. Toyota Camry – With an average sticker price of $31,506 and ranging from $26,420 to $36,845, the Toyota Camry costs $161 more than the average MSRP for the Subaru Legacy. The average insurance cost for a 2024 Subaru Legacy compared to the Toyota Camry is $204 less per year.
- Subaru Legacy vs. Hyundai Sonata – The average MSRP for a 2024 Subaru Legacy is $655 cheaper than the Hyundai Sonata, at $31,345 compared to $32,000. The average insurance cost for a 2024 Legacy compared to the Hyundai Sonata is $60 less per year.
- Subaru Legacy vs. Nissan Altima – The 2024 Nissan Altima has an average sticker price of $29,930, ranging from $25,730 to $35,430, which is $1,415 cheaper than the MSRP for the Subaru Legacy. Insuring a Subaru Legacy compared to the Nissan Altima costs an average of $226 less each year.
- Subaru Legacy vs. Honda Accord – Having an average price of $32,934 ($27,895 to $38,540), the Honda Accord costs $1,589 more than the average MSRP for the Subaru Legacy. Drivers can expect to pay around $50 less annually for insurance on the Honda Accord compared to a Legacy.
Subaru Legacy prior model year insurance rates
The following sections detail Subaru Legacy insurance rates for every trim level since the 2013 model year.
2022 Subaru Legacy Insurance Rates
Insurance rates for a 2022 Subaru Legacy average $2,072 per year, or $173 per month. Rates range from $1,892 per year for the Legacy AWD to $2,242 for the Legacy Touring XT AWD.
| 2022 Subaru Legacy Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| AWD | $1,892 | $158 |
| Premium AWD | $1,966 | $164 |
| Sport AWD | $2,062 | $172 |
| Limited AWD | $2,094 | $175 |
| Limited XT AWD | $2,176 | $181 |
| Touring XT AWD | $2,242 | $187 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated June 27, 2025
2021 Subaru Legacy Insurance Rates
Average insurance rates for a 2021 Subaru Legacy are $2,124 per year, or around $177 per month. Rates range from $1,962 per year for the Legacy AWD to $2,240 for the Legacy Touring XT AWD.
| 2021 Subaru Legacy Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| AWD | $1,962 | $164 |
| Premium AWD | $2,060 | $172 |
| Sport AWD | $2,102 | $175 |
| Limited AWD | $2,144 | $179 |
| Limited XT AWD | $2,240 | $187 |
| Touring XT AWD | $2,240 | $187 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated June 27, 2025
2020 Subaru Legacy Insurance Rates
Average insurance rates for a 2020 Subaru Legacy are $2,062 per year, or around $172 per month. Rates range from $1,908 per year for the Legacy AWD to $2,174 for the Legacy Touring XT AWD.
| 2020 Subaru Legacy Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| AWD | $1,908 | $159 |
| Premium AWD | $2,000 | $167 |
| Sport AWD | $2,040 | $170 |
| Limited AWD | $2,082 | $174 |
| Limited XT AWD | $2,174 | $181 |
| Touring XT AWD | $2,174 | $181 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated June 27, 2025
2019 Subaru Legacy Insurance Rates
Insurance rates for a 2019 Subaru Legacy average $1,886 per year, or about $157 per month. Rates range from $1,752 per year for the Legacy 2.5I AWD to $2,004 for the Legacy 3.6R Limited AWD.
| 2019 Subaru Legacy Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| 2.5I AWD | $1,752 | $146 |
| 2.5I Premium AWD | $1,848 | $154 |
| 2.5I Sport AWD | $1,878 | $157 |
| 2.5I Limited AWD | $1,946 | $162 |
| 3.6R Limited AWD | $2,004 | $167 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated June 27, 2025
2018 Subaru Legacy Insurance Rates
2018 Subaru Legacy insurance rates average $1,782 per year, or around $149 per month. Cost ranges from $1,674 per year for the Legacy 2.5I AWD to $1,876 for the Legacy 3.6R Limited AWD.
| 2018 Subaru Legacy Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| 2.5I AWD | $1,674 | $140 |
| 2.5I Premium AWD | $1,742 | $145 |
| 2.5I Sport AWD | $1,790 | $149 |
| 2.5I Limited AWD | $1,830 | $153 |
| 3.6R Limited AWD | $1,876 | $156 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated June 27, 2025
2017 Subaru Legacy Insurance Rates
A 2017 Subaru Legacy averages $1,682 per year for full coverage insurance, or around $140 per month. Rates range from $1,562 per year for the Legacy 2.5I AWD to $1,788 for the Legacy 3.6R Limited AWD.
| 2017 Subaru Legacy Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| 2.5I AWD | $1,562 | $130 |
| 2.5I Premium AWD | $1,614 | $135 |
| 2.5I Sport AWD | $1,666 | $139 |
| 2.5I Limited AWD | $1,736 | $145 |
| 2.5I Sport Navi/Eyesight AWD | $1,736 | $145 |
| 3.6R Limited AWD | $1,788 | $149 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated June 27, 2025
2016 Subaru Legacy Insurance Rates
Average insurance cost for a 2016 Subaru Legacy is $1,562 per year, or around $130 per month. Rates range from $1,474 per year for the Legacy 2.5I AWD to $1,634 for the Legacy 3.6R Limited AWD.
| 2016 Subaru Legacy Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| 2.5I AWD | $1,474 | $123 |
| 2.5I Premium AWD | $1,522 | $127 |
| 2.5I Limited AWD | $1,618 | $135 |
| 3.6R Limited AWD | $1,634 | $136 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated June 27, 2025
2015 Subaru Legacy Insurance Rates
Insurance rates average $1,416 per year for a 2015 Subaru Legacy, or around $118 per month. Rates range from $1,336 per year for the Legacy 2.5I AWD to $1,484 for the Legacy 3.6R Limited AWD.
| 2015 Subaru Legacy Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| 2.5I AWD | $1,336 | $111 |
| 2.5I Premium AWD | $1,380 | $115 |
| 2.5I Limited AWD | $1,468 | $122 |
| 3.6R Limited AWD | $1,484 | $124 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated June 26, 2025
2014 Subaru Legacy Insurance Rates
Average insurance cost for a 2014 Subaru Legacy is $1,164 per year, or around $97 per month. Rates range from $1,104 per year for the Legacy 2.5I AWD to $1,246 for the Legacy 3.6R Limited AWD.
| 2014 Subaru Legacy Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| 2.5I AWD | $1,104 | $92 |
| 2.5I Premium AWD | $1,148 | $96 |
| 2.5I Limited AWD | $1,162 | $97 |
| 3.6R Limited AWD | $1,246 | $104 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated June 27, 2025
2013 Subaru Legacy Insurance Rates
Insurance rates for a 2013 Subaru Legacy average $1,254 per year, or about $105 per month. Rates range from $1,186 per year for the Legacy 2.5I AWD to $1,318 for the Legacy 3.6R Limited AWD.
| 2013 Subaru Legacy Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| 2.5I AWD | $1,186 | $99 |
| 2.5I Premium AWD | $1,226 | $102 |
| 2.5I Limited AWD | $1,266 | $106 |
| 3.6R AWD | $1,266 | $106 |
| 3.6R Limited AWD | $1,318 | $110 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated June 26, 2025
Additional Rates and Information
A few additional insights about insuring a Legacy include:
- Get cheaper rates by researching policy discounts. Discounts may be available if the insured drivers take a defensive driving course, sign their policy early, are away-from-home students, drive a vehicle with safety or anti-theft features, or other policy discounts which could save the average driver as much as $392 per year on Subaru Legacy insurance.
- Tickets and violations cost money. In order to get the most affordable price on Legacy insurance rates, it pays off to be a safe driver. Just a couple of minor blemishes on your driving record can potentially raise insurance costs by at least $618 per year.
- Negligent driving raises insurance rates. Causing frequent accidents will increase insurance costs, possibly as much as $3,326 per year for a 20-year-old driver and even as much as $576 per year for a 60-year-old driver.
- Increase physical damage deductibles to save money. Boosting your deductibles from $500 to $1,000 could save around $360 per year for a 40-year-old driver and $706 per year for a 20-year-old driver.
- Decreasing deductibles will cost more. Dropping your deductibles from $500 to $250 could cost an additional $374 per year for a 40-year-old driver and $744 per year for a 20-year-old driver.
- The older you are, the lower your insurance rates are. The difference in 2024 Subaru Legacy insurance cost between a 60-year-old driver ($1,918 per year) and a 30-year-old driver ($2,462 per year) is $544, or a savings of 24.8%.
- The gender of the driver affects insurance cost. For a 2024 Subaru Legacy, a 20-year-old male pays an average price of $4,666 per year, while a 20-year-old female will pay an average of $3,346, a difference of $1,320 per year. The females get much better rates. But by age 50, the cost for a male driver is $2,050 and the female rate is $1,996, a difference of only $54.