Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Looking for a new or used Subaru Legacy? And wondering how much it costs to insure by year? We researched average annual insurance costs for each model year and have compiled the results for you below.

Subaru Legacy insurance facts

  • Average full coverage auto insurance premium: $119/month

  • Most affordable companies: USAA ($73/month) & GEICO ($77/month)

  • Legacy car insurance cost vs. average rate: $13 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Subaru Legacy by model year and auto insurer.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Subura Legacy insurer costs by state:

Risk factors affecting Subaru Legacy car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on Subaru Legacy car insurance?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Subaru models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Subaru Automobile Brand

Subaru is the 21st largest worldwide automobile manufacturer from Japan, selling to a small but devoted group of buyers in the United States market. The target market of Subaru is financially stable middle-aged couples with strong family values. All Volkswagen automobiles have high safety ratings, with many of their vehicles getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Outback, Forester, Impreza, and Crosstrek are some of their most popular vehicles.

Higher than average Legacy repair costs equal higher car insurance rates

Many consumers are attracted to Subaru cars for the stability, safety ratings, and driver-assist technologies, such as the forward-collision warning system and their excellent all-wheel drive (AWD) system. Automotive parts are pretty common, but not as cheap as popular vehicles, like Toyota or Honda. Repairing a Subaru is higher than average since repair parts are more expensive and not as available as popular vehicles. For this reason, many Subaru’s are going to have higher than average car insurance rates to similar vehicles in its class.

Fast depreciation for Subaru Legacy affecting auto policies

Subarus have a higher than average depreciating value except for the Outback, according to Kelly Blue Book, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Subaru models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

High IIHS and NHTSA safety ratings lower car insurance rates for drivers

Subarus are known for their safety ratings, safety features, 5-star crash test ratings, and EyeSight driver-assist technologies, lowering car insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features in Subaru models. The Outback, WRZ, and Crosstrek are Insurance Institute for Highway Safety (IIHS) “Top Safety Picks,” and the NHTSA consistently gives Subaru top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Subaru automobile owners when buying a car insurance policy.

2021 Subaru Legacy

Cheapest Insurance CompaniesAverage Annual Cost
Allied$1768
Allstate$1527
American Family$958
Amica$1820
Auto-Owners$1558
Direct Auto$1392
Erie$1003
Farmers$1310
GEICO$916
Liberty Mutual$1124
Mercury$1460
MetLife$1708
Nationwide$1181
Progressive$1054
Safe Auto$1639
State Farm$1246
Tennessee Farmers$1415
Travelers$1360
USAA$893

Compare all 2021 Subaru Legacy rates

Average Cost to Insure Per Year

$1429

List Price

$22895

Trims Available

2.5i - 2.5i Premium - 2.5i Sport - 2.5i Limited - 3.6R Limited - Engine: 2.5-liter horizontally opposed four-cylinder with 182 horsepower and 176 lb-ft of torque Blind-Spot Detection, Rear Cross-Traffic Alert, Reverse Automatic Braking, with EyeSight driver assist technology, Adaptive Cruise Control, Lane Keep Assist and Sway Warning, Pre-collision braking, Pre-collision throttle management, Active Torque Vectoring, Symmetrical All-Wheel Drive (AWD), Safety Features· Anti-lock brakes · Stability control · Front-impact airbags· Side impact airbags Overhead airbags· Pretensioners · Security system.

2020 Subaru Legacy

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1482
American Family$1089
Auto-Owners$1524
Erie$945
Farmers$1306
GEICO$893
Mercury$1416
MetLife$1716
Nationwide$1125
Progressive$1036
Safe Auto$1569
State Farm$1136
Tennessee Farmers$1387
Travelers$1355
USAA$881
Vermont Mutual$1612

Compare all 2020 Subaru Legacy rates

Average Cost to Insure Per Year

$1359

List Price

$22745

Trims Available

2.5i - 2.5i Premium - 2.5i Sport - 2.5i Limited - 3.6R Limited - Engine: 2.5-liter horizontally opposed four-cylinder with 182 horsepower and 176 lb-ft of torque Blind-Spot Detection, Rear Cross-Traffic Alert, Reverse Automatic Braking, with EyeSight driver assist technology, Adaptive Cruise Control, Lane Keep Assist and Sway Warning, Pre-collision braking, Pre-collision throttle management, Active Torque Vectoring, Symmetrical All-Wheel Drive (AWD), Safety Features· Anti-lock brakes · Stability control · Front-impact airbags· Side impact airbags Overhead airbags· Pretensioners · Security system.

2019 Subaru Legacy

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1465
American Family$1080
Auto-Owners$1492
Direct Auto$1415
Erie$936
Farmers$1294
GEICO$887
Liberty Mutual$945
MetLife$1706
Nationwide$1129
Progressive$1035
Safe Auto$1528
State Farm$1234
Tennessee Farmers$1359
Travelers$1340
USAA$860
Vermont Mutual$1569

Compare all 2019 Subaru Legacy rates

Average Cost to Insure Per Year

$1269

List Price

$22545

Trims Available

2.5i - 2.5i Premium - 2.5i Sport - 2.5i Limited - 3.6R Limited - Engine: 2.5-liter horizontally opposed four-cylinder with 182 horsepower and 176 lb-ft of torque Blind-Spot Detection, Rear Cross-Traffic Alert, Reverse Automatic Braking, with EyeSight driver assist technology, Adaptive Cruise Control, Lane Keep Assist and Sway Warning, Pre-collision braking, Pre-collision throttle management, Active Torque Vectoring, Symmetrical All-Wheel Drive (AWD), Safety Features· Anti-lock brakes · Stability control · Front-impact airbags· Side impact airbags Overhead airbags· Pretensioners · Security system.

2018 Subaru Legacy

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1124
Acuity$ 1124
Allied$ 1058
Allied$ 1058
Country$ 1200
Country$ 1200
Erie$ 806
Erie$ 806
GEICO$ 762
GEICO$ 762
Nationwide$ 1011
Nationwide$ 1011
Plymouth Rock Insurance$ 1058
Plymouth Rock Insurance$ 1058
Progressive$ 993
Progressive$ 993
State Farm$ 1120
State Farm$ 1120
Tennessee Farmers$ 1048
Tennessee Farmers$ 1048
USAA$ 1008
USAA$ 1008
Vermont Mutual$ 1047
Vermont Mutual$ 1047

Compare all 2018 Subaru Legacy rates

Average Cost to Insure Per Year

$ 1193

List Price

$ 22195

Trims Available

2.5i - 2.5i Premium - 2.5i Sport - 2.5i Limited - 3.6R Limited

2017 Subaru Legacy

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1137
Acuity$ 1137
Allied$ 1105
Allied$ 1105
Arbella$ 1196
Arbella$ 1196
Erie$ 785
Erie$ 785
GEICO$ 709
GEICO$ 709
Nationwide$ 1021
Nationwide$ 1021
Plymouth Rock Insurance$ 1032
Plymouth Rock Insurance$ 1032
Progressive$ 961
Progressive$ 961
State Farm$ 996
State Farm$ 996
Tennessee Farmers$ 1052
Tennessee Farmers$ 1052
USAA$ 919
USAA$ 919
Vermont Mutual$ 1042
Vermont Mutual$ 1042

Compare all 2017 Subaru Legacy rates

Average Cost to Insure Per Year

$ 1552

List Price

$ 21995

Trims Available

2.5i - 2.5i Premium - 2.5i Sport - 2.5i Limited - 3.6R Limited

2016 Subaru Legacy

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1088
Acuity$ 1088
Allied$ 1069
Allied$ 1069
American Family$ 1066
American Family$ 1066
Erie$ 678
Erie$ 678
GEICO$ 608
GEICO$ 608
Nationwide$ 943
Nationwide$ 943
Plymouth Rock Insurance$ 996
Plymouth Rock Insurance$ 996
Progressive$ 807
Progressive$ 807
State Farm$ 833
State Farm$ 833
Tennessee Farmers$ 984
Tennessee Farmers$ 984
USAA$ 769
USAA$ 769
Vermont Mutual$ 986
Vermont Mutual$ 986

Compare all 2016 Subaru Legacy rates

Average Cost to Insure Per Year

$ 1230

List Price

$ 21745

Trims Available

2.5i - 2.5i Premium - 2.5i Limited - 3.6R Limited

2015 Subaru Legacy

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1068
Acuity$ 1068
Allied$ 1081
Allied$ 1081
American Family$ 1047
American Family$ 1047
Erie$ 691
Erie$ 691
GEICO$ 589
GEICO$ 589
Nationwide$ 951
Nationwide$ 951
Plymouth Rock Insurance$ 973
Plymouth Rock Insurance$ 973
Progressive$ 794
Progressive$ 794
State Farm$ 743
State Farm$ 743
Tennessee Farmers$ 986
Tennessee Farmers$ 986
USAA$ 716
USAA$ 716
Vermont Mutual$ 960
Vermont Mutual$ 960

Compare all 2015 Subaru Legacy rates

Average Cost to Insure Per Year

$ 1195

List Price

$ 21695

Trims Available

2.5i - 2.5i Premium - 2.5i Limited - 3.6R Limited

2014 Subaru Legacy

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1019
Acuity$ 1019
Allied$ 1047
Allied$ 1047
American Family$ 1062
American Family$ 1062
Erie$ 656
Erie$ 656
GEICO$ 585
GEICO$ 585
Nationwide$ 984
Nationwide$ 984
Plymouth Rock Insurance$ 959
Plymouth Rock Insurance$ 959
Progressive$ 814
Progressive$ 814
State Farm$ 810
State Farm$ 810
Tennessee Farmers$ 971
Tennessee Farmers$ 971
USAA$ 723
USAA$ 723
Vermont Mutual$ 910
Vermont Mutual$ 910

Compare all 2014 Subaru Legacy rates

Average Cost to Insure Per Year

$ 1255

List Price

$ 20295

Trims Available

2.5i - 2.5i Premium - 2.5i Sport - 2.5i Limited - 3.6R Limited

2013 Subaru Legacy

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 957
Acuity$ 957
Allstate$ 1014
Allstate$ 1014
American Family$ 910
American Family$ 910
Erie$ 605
Erie$ 605
GEICO$ 482
GEICO$ 482
Nationwide$ 887
Nationwide$ 887
Plymouth Rock Insurance$ 943
Plymouth Rock Insurance$ 943
Progressive$ 716
Progressive$ 716
State Farm$ 644
State Farm$ 644
Tennessee Farmers$ 889
Tennessee Farmers$ 889
USAA$ 616
USAA$ 616
Vermont Mutual$ 867
Vermont Mutual$ 867

Compare all 2013 Subaru Legacy rates

Average Cost to Insure Per Year

$ 923

List Price

$ 20295

Trims Available

2.5i - 2.5i Premium - 2.5i Sport - 3.6R - 2.5i Limited - 3.6R Limited

2012 Subaru Legacy

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 919
Acuity$ 919
Allstate$ 1004
Allstate$ 1004
American Family$ 918
American Family$ 918
Erie$ 588
Erie$ 588
GEICO$ 480
GEICO$ 480
Nationwide$ 886
Nationwide$ 886
Plymouth Rock Insurance$ 932
Plymouth Rock Insurance$ 932
Progressive$ 695
Progressive$ 695
State Farm$ 615
State Farm$ 615
Tennessee Farmers$ 879
Tennessee Farmers$ 879
USAA$ 596
USAA$ 596
Vermont Mutual$ 818
Vermont Mutual$ 818

Compare all 2012 Subaru Legacy rates

Average Cost to Insure Per Year

$ 950

List Price

$ 19995

Trims Available

2.5i - 2.5i Premium - 3.6R - 2.5i Limited - 3.6R Premium - 3.6R Limited - 2.5GT Limited

2011 Subaru Legacy

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$ 923
Allstate$ 923
American Family$ 864
American Family$ 864
Arbella$ 959
Arbella$ 959
Erie$ 548
Erie$ 548
GEICO$ 453
GEICO$ 453
Nationwide$ 860
Nationwide$ 860
Plymouth Rock Insurance$ 915
Plymouth Rock Insurance$ 915
Progressive$ 671
Progressive$ 671
State Farm$ 629
State Farm$ 629
Tennessee Farmers$ 857
Tennessee Farmers$ 857
USAA$ 574
USAA$ 574
Vermont Mutual$ 789
Vermont Mutual$ 789

Compare all 2011 Subaru Legacy rates

Average Cost to Insure Per Year

$ 908

List Price

$ 19995

Trims Available

2.5i - 2.5i Premium - 3.6R - 2.5i Limited - 3.6R Premium - 3.6R Limited - 2.5GT Limited