The Subaru Legacy is the only midsize sedan with all-wheel drive, and it first debuted in the U.S. in 1989 as one of the brand's flagship vehicles. While the Subaru Legacy ended production after the 2025 model, you can still find many of these cars on the road today. If you drive a Subaru Legacy, it needs to be protected with the right car insurance.
When it's time to find the best Subaru Legacy insurance, an independent insurance agent can assist you. These agents know where to get the right Subaru insurance at a great rate. But first, here's a breakdown of how much it costs to insure a Subaru Legacy by model year and top-rated insurance company in 2026.
Key Takeaways - Subaru Legacy Car Insurance
Subaru Legacy insurance costs an average of $1,929 per year, or approximately $161 per month, for full coverage in 2026.
Subaru Legacy insurance costs vary widely by state, with drivers in Wyoming paying an average of only $30 monthly for minimum coverage, while those in Louisiana pay $166.
American Family, Progressive, and USAA are the cheapest carriers for model-year 2025 Subaru Legacy insurance this year.
Your age, location, credit, trim level, and driving history are all major factors that can influence the cost of Subaru Legacy insurance.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Subaru Legacy model.
What Is Subaru Legacy Insurance?
Subaru Legacy insurance is a specialized car insurance policy that offers customized coverage for your specific vehicle. As a midsize sedan, the Legacy is unlikely to require additional coverage beyond that needed by standard cars. Additionally, the Legacy's average car insurance rates trend cheaper than those for similar vehicles.
Recommended coverage options for Subaru Legacy drivers:
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving a driver who is uninsured or underinsured, or after a hit-and-run.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
Add-on coverage options worth considering for a Subaru Legacy:
- Gap insurance: If you have a new or financed Subaru vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
- Subaru warranty insurance: This can extend Subaru's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Subaru parts during the repair process.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
A local independent insurance agent can help you get equipped with all the mandatory car insurance for a Subaru Legacy. Being properly insured helps you avoid state penalties, such as fines.
How Much Does Subaru Legacy Insurance Cost?
The average cost of car insurance for a Subaru Legacy is $1,929 per year, or approximately $161 per month, for full coverage. Minimum coverage for a Subaru Legacy costs an average of $1,000 annually, or approximately $83 monthly. However, several factors can influence the cost of Subaru insurance, including:
- The specific type of Legacy you drive
- Your driving history
- Vehicle safety features
- Your claims history
- Your location
- Annual mileage
- The types and amount of coverage you need
- Your credit score (where allowed)
An independent insurance agent can help you find the most affordable coverage, whether you're looking for Subaru Legacy full coverage insurance or a basic Subaru Legacy liability insurance policy.
Is the Subaru Legacy Expensive to Insure?
Yes and no. While the Subaru Legacy is slightly more expensive to insure than other Subaru models, it's much cheaper than other vehicles. The table below compares average auto insurance rates for the Subaru Legacy with those for all Subarus and all cars in general.
| Vehicle | Average Monthly Cost of Full Coverage |
| Subaru Legacy | $161 |
| All Subarus | $159 |
| All Cars | $175 |
Average Subaru Legacy Insurance Rates Compared to Similar Vehicles
The Subaru Legacy isn't expensive to insure when compared to many other vehicles in its class. The Legacy's average monthly auto insurance rate of $106 is quite comparable to that of the Audi Allroad, the Chrysler PT Cruiser, and the Chevy HHR. The table below compares the Subaru Legacy's average auto insurance premiums to those of similar vehicles in its class.
| Vehicle | Average Monthly Cost of Car Insurance |
| Volvo V50 | $103 |
| Chrysler PT Cruiser | $104 |
| Audi Allroad | $105 |
| Subaru Legacy | $106 |
| Chevrolet HHR | $106 |
| Pontiac Vibe | $106 |
| Suzuki Aerio | $107 |
Subaru Legacy Insurance Costs by Model Year
Next, we'll break down several model years of the Subaru Legacy and the average insurance costs for each.
| Model Year | Average Annual Cost of Car Insurance |
| 2025 Subaru Legacy | $1,384 |
| 2024 Subaru Legacy | $2,522 |
| 2023 Subaru Legacy | $1,012 |
| 2022 Subaru Legacy | $1,128 |
| 2021 Subaru Legacy | $737 |
| 2020 Subaru Legacy | $688 |
| 2019 Subaru Legacy | $725 |
| 2018 Subaru Legacy | $650 |
| 2017 Subaru Legacy | $808 |
| 2016 Subaru Legacy | $548 |
| 2015 Subaru Legacy | $580 |
| 2014 Subaru Legacy | $617 |
| 2013 Subaru Legacy | $498 |
| 2012 Subaru Legacy | $585 |
| 2011 Subaru Legacy | $513 |
| 2010 Subaru Legacy | $695 |
Cheapest Subaru Legacy Car Insurance Companies for 2026
Affordable Subaru Legacy insurance is offered by many carriers in the U.S. These top-rated Subaru car insurance companies provide the cheapest model-year 2025 Legacy insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| American Family | $1,591 |
| Progressive | $1,695 |
| USAA | $1,699 |
| Nationwide | $1,709 |
| Erie | $2,019 |
| Allstate | $3,286 |
Subaru Legacy Car Insurance Rates by State
Location is one of the main factors that determines car insurance premium rates. Here are some average auto insurance rates for the Subaru Legacy by state for 2026.
| State | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| Alabama | $68 | $128 |
| Alaska | $60 | $126 |
| Arizona | $97 | $181 |
| Arkansas | $64 | $143 |
| California | $80 | $163 |
| Colorado | $77 | $185 |
| Connecticut | $116 | $200 |
| Delaware | $117 | $197 |
| Florida | $107 | $244 |
| Georgia | $124 | $204 |
| Hawaii | $43 | $98 |
| Idaho | $44 | $90 |
| Illinois | $75 | $140 |
| Indiana | $53 | $103 |
| Iowa | $44 | $106 |
| Kansas | $58 | $134 |
| Kentucky | $105 | $177 |
| Louisiana | $166 | $354 |
| Maine | $41 | $86 |
| Maryland | $126 | $213 |
| Massachusetts | $84 | $177 |
| Michigan | $120 | $232 |
| Minnesota | $67 | $138 |
| Mississippi | $71 | $140 |
| Missouri | $96 | $192 |
| Montana | $57 | $135 |
| Nebraska | $59 | $134 |
| Nevada | $147 | $265 |
| New Hampshire | $56 | $100 |
| New Jersey | $137 | $225 |
| New Mexico | $67 | $149 |
| New York | $100 | $180 |
| North Carolina | $66 | $130 |
| North Dakota | $47 | $102 |
| Ohio | $61 | $119 |
| Oklahoma | $74 | $163 |
| Oregon | $100 | $175 |
| Pennsylvania | $70 | $162 |
| Rhode Island | $102 | $183 |
| South Carolina | $84 | $157 |
| South Dakota | $42 | $127 |
| Tennessee | $63 | $127 |
| Texas | $104 | $214 |
| Utah | $90 | $153 |
| Vermont | $36 | $85 |
| Virginia | $78 | $126 |
| Washington | $75 | $139 |
| West Virginia | $72 | $145 |
| Wisconsin | $51 | $113 |
| Wyoming | $30 | $93 |
Average Subaru Legacy Insurance Rates by Trim Level
Car insurance costs for the Subaru Legacy are also affected by each vehicle's specific trim level. Here are some average Subaru Legacy insurance rates by trim level in 2026.
| Trim Level | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| Brighton Wagon 4d | $41 | $78 |
| 2.5GT Premium Sedan 4d | $56 | $108 |
| L Wagon 4d | $59 | $113 |
| L Sedan 4d | $60 | $115 |
| GT Sedan 4d | $60 | $115 |
| GT Wagon 4d | $60 | $116 |
| 3.6R Sedan 4d | $61 | $118 |
| 2.5GT Spec. B Sedan 4d | $64 | $123 |
| 2.5GT Limited Sedan 4d | $65 | $125 |
| L Special Edition Sedan 4d | $70 | $134 |
| L Special Edition Wagon 4d | $70 | $134 |
| GT Limited Sedan 4d | $71 | $137 |
| 2.5I Premium Sedan 4d | $72 | $139 |
| 2.GT Sedan 4d | $73 | $140 |
| 2.5GT Sedan 4d | $76 | $147 |
| L Sedan 4d | $79 | $152 |
| 3.6R Limited Sedan 4d | $79 | $153 |
| 2.5I Sedan 4d | $80 | $154 |
| 2.5I Sport Sedan 4d | $81 | $157 |
| 2.5I Wagon 4d | $82 | $158 |
| 2.5I Limited Sedan 4d | $84 | $161 |
| L Wagon 4d | $84 | $162 |
| 3.6R Premium Sedan 4d | $85 | $164 |
| 2.5GT Wagon 4d | $85 | $164 |
| 2.5GT Limited Wagon 4d | $86 | $166 |
| Legacy | $87 | $169 |
| 2.5I Limited Wagon 4d | $87 | $167 |
| Sedan 4d | $87 | $169 |
| L Limited Sedan 4d | $88 | $169 |
| L Limited Wagon 4d | $91 | $175 |
| Premium Sedan 4d | $92 | $178 |
| Premium | $93 | $182 |
| GT Limited Wagon 4d | $100 | $193 |
| Sport Sedan 4d | $102 | $198 |
| Limited Sedan 4d | $104 | $202 |
| 2.5GT Limited Sedan 4d | $106 | $204 |
| 3.0R Sedan 4d | $110 | $212 |
| Limited XT Sedan 4d | $111 | $216 |
| Limited | $112 | $218 |
| GT Spec. B Sedan 4d | $117 | $225 |
| Sport | $117 | $229 |
| 3.0R Limited Sedan 4d | $122 | $235 |
| Touring XT Sedan 4d | $127 | $246 |
| Touring XT | $130 | $253 |
Average Subaru Legacy Insurance Rates by Driver Age and Profile
Besides location and trim, your age, credit, and driving history can also affect the cost of car insurance. Teens and young drivers pay the highest average insurance rates for a Subaru Legacy. Auto insurance rates tend to decline considerably starting around age 25.
However, once a driver reaches about age 65, auto insurance rates begin to climb through their senior years. Here are some average Subaru Legacy insurance rates by driver age and profile for 2026.
| Driver Age | Clean Record | Accident on Record | Poor Credit |
| 18 | $6,532 | $9,520 | $11,175 |
| 20 | $5,037 | $7,344 | $8,633 |
| 25 | $2,962 | $4,331 | $5,066 |
| 30 | $2,290 | $3,351 | $3,904 |
| 35 | $2,149 | $3,143 | $3,689 |
| 40 | $2,065 | $3,012 | $3,551 |
| 45 | $1,987 | $2,972 | $3,437 |
| 55 | $1,869 | $2,706 | $3,163 |
| 65 | $1,906 | $2,836 | $3,299 |
| 75 | $2,420 | $3,564 | $4,151 |
Best Subaru Legacy Insurance Discounts: How to Lower Your Subaru Legacy Insurance Premiums
Looking to save more money on Subaru Legacy car insurance? Any of the easy strategies below can potentially increase your savings:
- Ask about Subaru Legacy insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Ask about telematics programs: Your insurance company or Subaru may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Compare quotes from multiple carriers: Comparing Subaru Legacy insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Subaru Legacy insurance from a trusted carrier near you.
Local independent insurance agents know which carriers offer the best rates and the biggest discounts. They can also recommend even more strategies to reduce your Subaru Legacy insurance premiums.
An Independent Insurance Agent Can Help You Get the Best Subaru Legacy Insurance Quotes
When it's time to find the most affordable Subaru Legacy insurance, no one's better equipped to help than a local independent insurance agent. Your agent knows which local carriers deliver the best overall blend of Subaru Legacy insurance coverage and cost.
Even better, they'll help you score any discounts you're eligible for to lower your premium rates even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Subaru Legacy Insurance
How much does Subaru Legacy insurance cost per year?
The average annual cost of full coverage for a Subaru Legacy is $1,929 per year, or approximately $161 per month, for full coverage. However, the cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Subaru Legacy insurance premiums?
If you have poor credit, live in a high-theft rate area, have filed car insurance claims in the past, or have traffic violations or accidents on your record, you may be quoted higher rates for Subaru Legacy insurance.
Is the Subaru Legacy expensive to insure?
No, the Subaru Legacy isn't expensive to insure when compared to similar vehicles in its class, including the Suzuki Aerio, the Pontiac Vibe, and the Chevrolet HHR.
What are the best and cheapest carriers for Subaru Legacy insurance in 2026?
We found that American Family, Progressive, and USAA are the best and cheapest car insurance companies for model-year 2025 Subaru Legacy insurance this year.
Is insurance cheaper for the Subaru Legacy than for other Subarus?
No, the Legacy's average monthly car insurance rate of $161 is slightly higher than the $159 average for other Subaru vehicles.
How can I get cheaper Subaru Legacy insurance?
Finding cheaper Subaru Legacy insurance is easy when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Sources
https://www.moneygeek.com/insurance/auto/subaru-legacy-insurance/
https://www.insuranceopedia.com/auto-insurance/subaru-legacy-car-insurance
https://www.thezebra.com/auto-insurance/vehicles/subaru/legacy/