- The average Subaru Legacy car insurance cost is $1,626 per year, or $136 per month, for full coverage.
- The Legacy base AWD trim level is the cheapest to insure at around $1,500 per year, while the most expensive model to insure is the Touring XT AWD at $1,734 per year.
- The Legacy ranks first out of 11 vehicles in the 2023 midsize car class for car insurance affordability.
- Average insurance rates for earlier model years include the 2013 Subaru Legacy at $1,028 per year, the 2014 Legacy at $948, and 2015 models at $1,168.
How much does Subaru Legacy car insurance cost?
Subaru Legacy car insurance costs on average $1,626 a year for full coverage, or $136 each month. With the average midsize car costing $1,800 a year to insure, the Subaru Legacy would save around $174 or more each year on insurance.
Average monthly payments for full-coverage insurance on a 2023 Subaru Legacy range from $125 per month on the base Legacy base AWD model to $145 per month on the Touring XT AWD model.
The chart below displays the average car insurance cost on a 2023 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 $12,400 a year for a policy that provides full coverage.
What is the cheapest Subaru Legacy insurance?
With Subaru Legacy insurance rates ranging from $1,500 to $1,734 annually for the average driver, the cheapest trim level to insure is the base AWD model. The second cheapest model to insure is the Premium AWD at $1,556 per year. On average, plan on paying around $125 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 AWD and the Sport AWD both at $1,734 per year. Those two models will cost an extra $234 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.
| Subaru Legacy Trim Level | Annual Policy | Six-Month Policy | Per Month |
|---|---|---|---|
| Base AWD | $1,500 | $750 | $125 |
| Premium AWD | $1,556 | $778 | $130 |
| Limited AWD | $1,650 | $825 | $138 |
| Sport AWD | $1,684 | $842 | $140 |
| Touring XT AWD | $1,734 | $867 | $145 |
How do Legacy insurance prices compare?
When compared directly to other popular midsize cars, insurance for a Subaru Legacy costs $52 less per year than Toyota Camry insurance, $156 less than Honda Accord insurance, $256 less than Nissan Altima insurance, and $178 less than Tesla Model 3 insurance.
The Subaru Legacy ranks first out of 11 total comparison vehicles in the 2023 midsize car segment. The Legacy costs an average of $1,626 per year for insurance and the class average cost is $1,800 per year, a difference of $174 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/Model | Insurance Cost | Difference |
|---|---|---|---|
| 1 | Subaru Legacy | $1,626 | -- |
| 2 | Toyota Camry | $1,678 | $52 |
| 3 | Kia K5 | $1,702 | $76 |
| 4 | Chevrolet Malibu | $1,716 | $90 |
| 5 | Honda Accord | $1,782 | $156 |
| 6 | Toyota Crown | $1,792 | $166 |
| 7 | Tesla Model 3 | $1,804 | $178 |
| 8 | Volkswagen Arteon | $1,850 | $224 |
| 9 | Nissan Altima | $1,882 | $256 |
| 10 | Hyundai Sonata | $1,966 | $340 |
| 11 | Kia Stinger | $1,998 | $372 |
By factoring in MSRP, we can compare insurance cost for the midsize models that are priced most similarly to the Legacy. The 2023 Legacy has an average purchase price of $30,825 and ranges from $24,395 to $37,695.
The models that are closest in price to the Legacy are the Toyota Camry, Hyundai Sonata, Honda Accord, and Nissan Altima. The data below shows how those models compare to a 2023 Subaru Legacy for the overall purchase price and the average cost of insurance.
- Subaru Legacy vs. Toyota Camry – With an average sticker price of $30,845 and ranging from $25,945 to $36,870, the Toyota Camry costs $20 more than the average MSRP for the Subaru Legacy. The average insurance cost for a 2023 Subaru Legacy compared to the Toyota Camry is $52 less per year.
- Subaru Legacy vs. Hyundai Sonata – The average MSRP for a 2023 Subaru Legacy is $31 cheaper than the Hyundai Sonata, at $30,825 compared to $30,856. The average insurance cost for a 2023 Legacy compared to the Hyundai Sonata is $340 less per year.
- Subaru Legacy vs. Honda Accord – The 2023 Honda Accord has an average sticker price of $31,964, ranging from $26,520 to $38,450, which is $1,139 more expensive than the MSRP for the Subaru Legacy. Insuring a Subaru Legacy compared to the Honda Accord costs an average of $156 less each year.
- Subaru Legacy vs. Nissan Altima – Having an average price of $29,490 ($25,290 to $34,990), the Nissan Altima costs $1,335 less than the average MSRP for the Subaru Legacy. Drivers can expect to pay around $256 more annually for insurance on the Nissan Altima 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 $1,604 per year, or $134 per month. Rates range from $1,466 per year for the Legacy AWD to $1,732 for the Legacy Touring XT AWD.
| 2022 Subaru Legacy Trim Level | Annual Rate | Per Month |
|---|---|---|
| AWD | $1,466 | $122 |
| Premium AWD | $1,524 | $127 |
| Sport AWD | $1,594 | $133 |
| Limited AWD | $1,620 | $135 |
| Limited XT AWD | $1,682 | $140 |
| Touring XT AWD | $1,732 | $144 |
2021 Subaru Legacy Insurance Rates
Average insurance rates for a 2021 Subaru Legacy are $1,648 per year, or around $137 per month. Rates range from $1,524 per year for the Legacy AWD to $1,734 for the Legacy Touring XT AWD.
| 2021 Subaru Legacy Trim Level | Annual Rate | Per Month |
|---|---|---|
| AWD | $1,524 | $127 |
| Premium AWD | $1,598 | $133 |
| Sport AWD | $1,630 | $136 |
| Limited AWD | $1,662 | $139 |
| Limited XT AWD | $1,734 | $145 |
| Touring XT AWD | $1,734 | $145 |
2020 Subaru Legacy Insurance Rates
Average insurance rates for a 2020 Subaru Legacy are $1,626 per year, or around $136 per month. Rates range from $1,506 per year for the Legacy AWD to $1,710 for the Legacy Touring XT AWD.
| 2020 Subaru Legacy Trim Level | Annual Rate | Per Month |
|---|---|---|
| AWD | $1,506 | $126 |
| Premium AWD | $1,578 | $132 |
| Sport AWD | $1,608 | $134 |
| Limited AWD | $1,640 | $137 |
| Limited XT AWD | $1,710 | $143 |
| Touring XT AWD | $1,710 | $143 |
2019 Subaru Legacy Insurance Rates
Insurance rates for a 2019 Subaru Legacy average $1,490 per year, or about $124 per month. Rates range from $1,384 per year for the Legacy 2.5I AWD to $1,582 for the Legacy 3.6R Limited AWD.
| 2019 Subaru Legacy Trim Level | Annual Rate | Per Month |
|---|---|---|
| 2.5I AWD | $1,384 | $115 |
| 2.5I Premium AWD | $1,460 | $122 |
| 2.5I Sport AWD | $1,484 | $124 |
| 2.5I Limited AWD | $1,536 | $128 |
| 3.6R Limited AWD | $1,582 | $132 |
2018 Subaru Legacy Insurance Rates
2018 Subaru Legacy insurance rates average $1,436 per year, or around $120 per month. Cost ranges from $1,350 per year for the Legacy 2.5I AWD to $1,510 for the Legacy 3.6R Limited AWD.
| 2018 Subaru Legacy Trim Level | Annual Rate | Per Month |
|---|---|---|
| 2.5I AWD | $1,350 | $113 |
| 2.5I Premium AWD | $1,404 | $117 |
| 2.5I Sport AWD | $1,442 | $120 |
| 2.5I Limited AWD | $1,474 | $123 |
| 3.6R Limited AWD | $1,510 | $126 |
2017 Subaru Legacy Insurance Rates
A 2017 Subaru Legacy averages $1,354 per year for full coverage insurance, or around $113 per month. Rates range from $1,258 per year for the Legacy 2.5I AWD to $1,436 for the Legacy 3.6R Limited AWD.
| 2017 Subaru Legacy Trim Level | Annual Rate | Per Month |
|---|---|---|
| 2.5I AWD | $1,258 | $105 |
| 2.5I Premium AWD | $1,300 | $108 |
| 2.5I Sport AWD | $1,340 | $112 |
| 2.5I Limited AWD | $1,396 | $116 |
| 2.5I Sport Navi/Eyesight AWD | $1,396 | $116 |
| 3.6R Limited AWD | $1,436 | $120 |
2016 Subaru Legacy Insurance Rates
Average insurance cost for a 2016 Subaru Legacy is $1,292 per year, or around $108 per month. Rates range from $1,220 per year for the Legacy 2.5I AWD to $1,350 for the Legacy 3.6R Limited AWD.
| 2016 Subaru Legacy Trim Level | Annual Rate | Per Month |
|---|---|---|
| 2.5I AWD | $1,220 | $102 |
| 2.5I Premium AWD | $1,260 | $105 |
| 2.5I Limited AWD | $1,338 | $112 |
| 3.6R Limited AWD | $1,350 | $113 |
2015 Subaru Legacy Insurance Rates
Insurance rates average $1,168 per year for a 2015 Subaru Legacy, or around $97 per month. Rates range from $1,104 per year for the Legacy 2.5I AWD to $1,222 for the Legacy 3.6R Limited AWD.
| 2015 Subaru Legacy Trim Level | Annual Rate | Per Month |
|---|---|---|
| 2.5I AWD | $1,104 | $92 |
| 2.5I Premium AWD | $1,140 | $95 |
| 2.5I Limited AWD | $1,210 | $101 |
| 3.6R Limited AWD | $1,222 | $102 |
2014 Subaru Legacy Insurance Rates
Average insurance cost for a 2014 Subaru Legacy is $948 per year, or around $79 per month. Rates range from $902 per year for the Legacy 2.5I AWD to $1,012 for the Legacy 3.6R Limited AWD.
| 2014 Subaru Legacy Trim Level | Annual Rate | Per Month |
|---|---|---|
| 2.5I AWD | $902 | $75 |
| 2.5I Premium AWD | $936 | $78 |
| 2.5I Limited AWD | $946 | $79 |
| 3.6R Limited AWD | $1,012 | $84 |
2013 Subaru Legacy Insurance Rates
Insurance rates for a 2013 Subaru Legacy average $1,028 per year, or about $86 per month. Rates range from $976 per year for the Legacy 2.5I AWD to $1,078 for the Legacy 3.6R Limited AWD.
| 2013 Subaru Legacy Trim Level | Annual Rate | Per Month |
|---|---|---|
| 2.5I AWD | $976 | $81 |
| 2.5I Premium AWD | $1,006 | $84 |
| 2.5I Limited AWD | $1,038 | $87 |
| 3.6R AWD | $1,038 | $87 |
| 3.6R Limited AWD | $1,078 | $90 |
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 $276 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 $428 per year.
- Negligent driving raises insurance rates. Causing frequent accidents will increase insurance costs, possibly as much as $2,302 per year for a 20-year-old driver and even as much as $502 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 $260 per year for a 40-year-old driver and $512 per year for a 20-year-old driver.
- Decreasing deductibles will cost more. Dropping your deductibles from $500 to $250 could cost an additional $268 per year for a 40-year-old driver and $540 per year for a 20-year-old driver.
- The older you are, the lower your insurance rates are. The difference in 2023 Subaru Legacy insurance cost between a 60-year-old driver ($1,456 per year) and a 30-year-old driver ($1,714 per year) is $258, or a savings of 16.3%.
- The gender of the driver affects insurance cost. For a 2023 Subaru Legacy, a 20-year-old male pays an average price of $3,254 per year, while a 20-year-old female will pay an average of $2,396, a difference of $858 per year. The females get much better rates. But by age 50, the cost for a male driver is $1,482 and the female rate is $1,452, a difference of only $30.
