Subaru Legacy Car Insurance Cost

Getting insurance for a Subaru Legacy typically costs about $1,014 per year through Unitrin. However, the exact cost can vary based on factors such as your age, the year of the car model, and other considerations. You can use our quote tables below to get an estimate of your specific costs.

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Updated: 04 April 2024
Written by
Ahmed
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If you’re thinking about buying a Subaru Legacy, you’ll need to consider the cost of insurance. Insurance is a big part of owning a car, and it’s important to understand it before you buy.

Choosing the right car insurance is crucial to avoid unexpected and potentially high expenses later on. It’s essential to have sufficient coverage in case of an accident to prevent hefty out-of-pocket costs. Additionally, if you’re at fault in an accident, your insurance rates could go up.

With over ten years of experience analyzing car insurance rates, I’ve seen how much they can change. Things like your age, driving record, and where you live can all affect how much you pay for insurance.

How Much Does Subaru Legacy Car Insurance Cost?

Typically, Unitrin provides the most competitive price, averaging $1,014 per year for full coverage insurance on a 2024 Subaru Legacy.

While Unitrin’s pricing serves as a solid reference point, it’s crucial to understand that the cost of car insurance can vary significantly due to various factors. These factors include your location, driving history, the age of your car, and the specific coverage options you select. Maintaining a clean driving record can result in lower premiums, while a history of accidents or traffic violations may lead to higher costs.

Moreover, residing in an urban area with heavy traffic might result in higher insurance rates compared to rural areas with less traffic. Your choice of coverage will also impact your premium – comprehensive insurance, covering both comprehensive and collision, generally costs more than minimum liability coverage.

Insuranceopedia is available to help you compare quotes from different insurance companies, ensuring you secure the best deal for your needs.

2024 Subaru Legacy Insurance Rates

Insurance Provider Average Annual Cost
Unitrin $1,014
National General Value $1,460
Erie $1,590
New York Central Mutual Fire $1,866
USAA $2,436
State Farm $2,452
Nationwide $2,556
Allstate $3,889
Preferred Mutual $4,301
Travelers $4,469

2023 Subaru Legacy Insurance Rates

Insurance Provider Average Annual Cost
Victoria $279
Safeco $372
Direct Auto $732
Dairyland $876
New York Central Mutual Fire $970
Nationwide $1,034
SafeAuto $1,038
Liberty Mutual $1,477
Erie $1,647
State Farm $1,738

2022 Subaru Legacy Insurance Rates

Insurance Provider Average Annual Cost
Victoria $858
Safeco $1,030
New Jersey Manufacturers $1,198
ACCC Insurance Company $1,231
American National P $1,397
Kemper Auto | Infinity $1,396
Mississippi Farm Bureau $1,502
Buckeye Insurance Group $1,520
Mercury Insurance $1,523
Safety Group $1,543

2021 Subaru Legacy Insurance Rates

Insurance Provider Average Annual Cost
Kemper Auto | Infinity $292
Victoria $326
Dairyland FR Bond $702
Titan $751
Direct Auto $810
Pekin Insurance $823
Rural Mutual Insurance $811
West Bend Mutual $859
New York Central Mutual Fire $881
Rockford Mutual Insurance $939

2020 Subaru Legacy Insurance Rates

Insurance Provider Average Annual Cost
American National P $474
SAFECO $702
Concord Group $734
Countryway Insurance $750
NatGen PPA $762
Plymouth Rock $787
Virginia Farm Bureau $838
Clearcover $883
North Carolina Farm Bureau $915
Kemper Auto Premium $1,028

2019 Subaru Legacy Insurance Rates

Insurance Provider Average Annual Cost
American National P&C $581
SAFECO $569
Direct Auto $670
Plymouth Rock $748
American National P $791
Texas Farm Bureau Group $969
Union Mutual Fire Group $956
General Casualty $945
National General Value $986
Buckeye Insurance Group $977

2018 Subaru Legacy Insurance Rates

Insurance Provider Average Annual Cost
Kemper Auto | Infinity $227
Mercury Insurance $335
American National P $473
SAFECO $549
Infinity Special $764
Pekin Insurance $852
North Carolina Farm Bureau $908
West Bend Mutual $944
Utica National Ins Group $986
SECURA Insurance $978

2017 Subaru Legacy Insurance Rates

Insurance Provider Average Annual Cost
Jupiter Auto Insurance $155
Mercury Insurance $222
Kemper Personal Insurance $250
Kemper Auto | Infinity $467
SAFECO $733
Countryway Insurance $735
PEMCO $805
Utica National Ins Group $906
Southern Farm Bureau $977
Virginia Farm Bureau $976

2016 Subaru Legacy Insurance Rates

Insurance Provider Average Annual Cost
Safeco $255
Mercury Insurance $407
American National P $494
NatGen Custom 360 $518
Dairyland Broadform $577
Dairyland FR Bond $637
North Carolina Farm Bureau $799
Countryway Insurance $841
Utica National Ins Group $849
Farmers Mutual of Nebraska $910

2015 Subaru Legacy Insurance Rates

Insurance Provider Average Annual Cost
Kemper Personal Insurance $94
Kemper Auto Premier $276
SAFECO $319
Jupiter Auto Insurance $369
American National P $493
Clearcover $793
Rockford Mutual Insurance $824
National General Value $828
AssuranceAmerica Economy $855
Utica National Ins Group $859

2014 Subaru Legacy Insurance Rates

Insurance Provider Average Annual Cost
Jupiter Auto Insurance $429
American National P $442
American National P&C $424
Kemper Auto | Infinity $564
Utica National Ins Group $691
Bear River $694
Buckeye Insurance Group $765
Virginia Farm Bureau $814
Safety Group $877
Texas Farm Bureau Group $933

2013 Subaru Legacy Insurance Rates

Insurance Provider Average Annual Cost
American National P $376
AssuranceAmerica Economy $471
Buckeye Insurance Group $663
Kemper Auto | Infinity $688
Utica National Ins Group $709
SECURA Insurance $777
AssuranceAmerica Elite $773
North Carolina Farm Bureau $792
Clearcover $836
Virginia Farm Bureau $856

2012 Subaru Legacy Insurance Rates

Insurance Provider Average Annual Cost
Kemper Auto | Infinity $127
NatGen Custom 360 $195
Jupiter Auto Insurance $348
SAFECO $332
American National P $532
North Carolina Farm Bureau $655
Utica National Ins Group $674
PEMCO $770
Concord Group $809
SECURA Insurance $811

2011 Subaru Legacy Insurance Rates

Insurance Provider Average Annual Cost
SAFECO $205
NatGen Custom 360 $214
Dairyland Broadform $263
Mercury Insurance $357
Kemper Auto | Infinity $410
Jupiter Auto Insurance $580
American National P $627
North Carolina Farm Bureau $629
Kemper Personal Insurance $668
National General Value $660

2010 Subaru Legacy Insurance Rates

Insurance Provider Average Annual Cost
SAFECO $310
Jupiter Auto Insurance $470
Buckeye Insurance Group $526
American National P $615
IMT Insurance Company $716
Virginia Farm Bureau $760
Concord Group $792
PEMCO $784
Tennessee Farmers $842
Mercury Insurance $845

Cost of Subaru Legacy Car Insurance By Age

Drive Age Good Driver Recent Accident Poor Credit
17 $5,282 $7,776 $9,102
18 $4,944 $7,262 $8,490
19 $4,368 $6,398 $7,491
20 $3,796 $5,583 $6,530
21 $3,203 $4,700 $5,506
22 $3,092 $4,565 $5,353
23 $2,740 $4,010 $4,667
24 $2,582 $3,789 $4,430
25 $2,235 $3,260 $3,823
30 $1,727 $2,570 $2,983
35 $1,629 $2,373 $2,795
40 $1,559 $2,315 $2,700
45 $1,504 $2,224 $2,622
55 $1,412 $2,062 $2,384
65 $1,458 $2,160 $2,518
75 $1,823 $2,705 $3,146

Subaru Legacy Car Insurance Rates By State

State Good Driver Recent Accident Poor Credit
Alabama $1,646 $2,414 $3,075
Alaska $1,364 $1,890 $1,848
Arizona $1,568 $2,258 $3,311
Arkansas $1,684 $2,687 $2,943
California $1,895 $3,334 $1,887
Colorado $1,786 $2,468 $3,119
Connecticut $2,249 $3,503 $4,441
Delaware $1,851 $2,511 $3,206
Florida $2,209 $3,089 $4,006
Hawaii $734 $998 $714
Idaho $1,267 $1,678 $2,035
Illinois $1,312 $1,972 $2,290
Indiana $1,343 $2,066 $2,314
Iowa $1,089 $1,464 $1,710
Kansas $1,421 $2,075 $2,423
Kentucky $2,068 $3,011 $3,559
Louisiana $2,667 $4,001 $4,354
Maine $1,011 $1,390 $2,035
Maryland $1,632 $2,359 $2,630
Massachusetts $1,312 $2,269 $1,313
Michigan $3,121 $4,782 $7,543
Minnesota $1,278 $1,702 $2,433
Mississippi $1,569 $2,212 $2,252
Missouri $1,475 $2,078 $2,741
Montana $1,486 $2,065 $2,442
Nebraska $1,278 $1,886 $2,045
Nevada $2,066 $3,068 $3,277
New Hampshire $1,456 $2,274 $2,902
New Jersey $1,616 $2,489 $3,289
New Mexico $1,647 $2,406 $2,533
New York $1,500 $1,887 $3,187
North Carolina $917 $1,603 $1,142
North Dakota $1,270 $1,934 $2,297
Ohio $1,122 $1,781 $1,819
Oklahoma $1,808 $2,619 $2,923
Oregon $1,645 $2,241 $2,660
Pennsylvania $1,393 $2,056 $2,384
Rhode Island $2,327 $3,428 $3,845
South Carolina $1,604 $2,186 $3,039
South Dakota $1,428 $2,036 $2,353
Tennessee $1,685 $2,469 $3,270
Texas $1,691 $2,418 $3,037
Utah $1,422 $2,023 $2,748
Vermont $1,112 $1,689 $1,800
Virginia $1,034 $1,593 $1,580
Washington $1,391 $1,864 $2,210
West Virginia $1,376 $1,981 $2,480
Wisconsin $1,376 $2,172 $2,437
Wyoming $1,277 $1,793 $1,928
Georgia $1,794 $2,718 $2,742

FAQs

Who has the cheapest car insurance for a Subaru Legacy?

Unitrin offers the most affordable car insurance for the 2024 Subaru Legacy.

Which company offers the best car insurance for a Subaru Legacy?

Considering their combination of low rates, comprehensive coverage, and highly rated customer service, we believe Unitrin provides the best car insurance for a Subaru Legacy.

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