Compare the Cost of Subaru Legacy Insurance by Model Year and Company


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Age is a major factor affecting the cost of Subaru Legacy insurance. For example, a 16-year-old will spend an average of $5,790 per year to insure a 2009 model, whereas a 40-year-old will pay roughly $1,267 per year. For a 2022 model, a 16-year-old will pay an average of $6,480 per year, while a 40-year-old will only spend around $1,447 per year. If you’re looking for the best Subaru Legacy insurance, MoneyGeek analyzed car insurance companies that balance affordability and service quality.

MoneyGeek Logo IconCar Insurance CostsSubaru Legacy
2024

Why Trust MoneyGeek? We collected thousands of car insurance quotes from Quadrant Information Services to analyze the average rates for a Subaru Legacy.

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These rates were updated to reflect the average cost of car insurance for a Subaru Legacy as of 2023.

10Companies Compared
 
41,832Quotes Analyzed

Average Cost and Cheapest Companies for Insuring a Subaru Legacy

Insurance for a Subaru Legacy costs an average of $1,387 per year, but this may change depending on the provider. We found that State Farm offers the lowest rate for a full coverage policy at $1,062 per year, while Farmers has the highest annual rate at $1,655.

For minimum coverage, State Farm also provides the cheapest car insurance at $459 per year, whereas Farmers is again the most expensive option at $699 per year.

Data filtered by:Results filtered by:
Age:
Age:40
Coverage:
Coverage:Full Coverage
State Farm$1,062
GEICO$1,126
Nationwide$1,290
Travelers$1,320
Allstate$1,406
Progressive$1,581
Farmers$1,655

Is a Subaru Legacy Expensive to Insure?

As a mid-size four-door sedan, the Subaru Legacy is cheap to insure. It has an MSRP of $23,990 for 2022 models, making it highly affordable. Because of its low value, it isn’t expensive to repair in case of an accident. It also has low horsepower, so it’s less likely to get into major accidents. As a result, insurance providers charge cheap premiums to cover the Subaru Legacy.

Best Companies for Insuring a Subaru Legacy

When shopping for the best car insurance for the Subaru Legacy, a company’s customer service and claims management should be considered alongside affordability. Here are the best car insurance providers for this make and model:

  • State Farm: MoneyGeek score of 90 out of 100 ($1,062 per year)
  • GEICO: MoneyGeek score of 89 out of 100 ($1,126 per year)

Among the insurers in our comparison group, State Farm provides the best blend of cheap premiums and excellent customer service.

MoneyGeek Top Pick: State Farm

State Farm

pros

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Ranked first in affordability out of 7 insurers

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Ranked second in customer satisfaction

cons

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Poor claims management score

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Limited variety in optional coverages

COMPANY HIGHLIGHTS

Because of its combined affordability and service quality, State Farm is our winner for the best Subaru Legacy insurance. It has the lowest average rate at $1,062 per year. That said, it’s missing some essential add-on coverages.

Policyholders don’t have many options for add-on coverages with this company. Among State Farm’s offerings is rental car and/or travel reimbursement, which is useful if your Subaru Legacy is undergoing repairs after a covered loss. This add-on coverage pays for car rental costs up to chosen limits and up to $500 in travel expenses, which includes meals and lodging. If you get into an at-fault accident in your rental car, it will cover up to $500 of your deductible.

State Farm also provides roadside assistance if you get stranded on the side of the road due to vehicle troubles. However, it doesn’t offer other common coverages, like gap insurance, accident forgiveness, deductible modification or new car replacement.

Read MoneyGeek's State Farm Auto Insurance Review

MoneyGeek Runner-Up: GEICO

GEICO

pros

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Strong affordability and customer satisfaction ratings

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Provides valuable add-on coverages like mechanical breakdown insurance (MBI) and accident forgiveness

cons

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No deductible modification, gap insurance or new car replacement coverage

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Below-average claims management score

COMPANY HIGHLIGHTS

As the runner-up, GEICO provides reasonable premiums and strong customer service for the Subaru Legacy. It also has unique add-on coverages, such as mechanical breakdown insurance (MBI).

With MBI added to your auto policy, GEICO will cover all parts and systems on your Subaru Legacy rather than just the standard list of services covered under most dealer-extended warranties. Your vehicle must be less than 15 months old and have fewer than 15,000 miles on the odometer to purchase this add-on coverage.

Accident forgiveness and rental car and/or travel reimbursement are also available with GEICO. Accident forgiveness prevents your rate from going up after your first at-fault accident, while rental car and/or travel reimbursement covers up to a preset amount in car rental expenses.

Read MoneyGeek's GEICO Auto Insurance Review

Cost of Insuring a Subaru Legacy by Model Year

The average cost of car insurance is significantly affected by your vehicle’s age. For instance, a full coverage policy for a 2009 Subaru Legacy costs roughly $1,267 per year, but you’ll spend an average of $180 more to insure a 2022 model. Because a car’s value depreciates over time, older models are typically cheaper to insure than newer ones.

Data filtered by:Results filtered by:
Age:
Age:40
Coverage:
Coverage:Full Coverage
2022$1,447
2021$1,422
2020$1,394
2019$1,421
2018$1,422
2017$1,363
2016$1,360
2015$1,330
2014$1,292
2013$1,308
2012$1,298
2011$1,261
2010$1,276
2009$1,267

The average cost of car insurance tends to vary not only by model year but also by the insurance provider. State Farm offers the cheapest full coverage policy for a 2009 Subaru Legacy at $1,023 per year, whereas Nationwide provides the lowest average rate for a 2022 model at $1,157 per year.

Data filtered by:Results filtered by:
Model Year:
Model Year:2022
Age:
Age:40
Coverage:
Coverage:Full Coverage
Nationwide$1,157
State Farm$1,173
GEICO$1,228
Travelers$1,458
Progressive$1,606
Allstate$1,650
Farmers$1,796

Cost of Insuring a Subaru Legacy for 16- to 25-Year-Olds

Auto insurers consider a driver’s age when determining rates. Car insurance for teens can be very expensive because they lack experience on the road. By comparison, a 16-year-old will pay approximately $6,114 per year to insure a Subaru Legacy, whereas a 40-year-old will only spend roughly $1,347 per year. It’s worth noting that rates for teens significantly decrease as they age and stabilize once they reach their 20s.

Data filtered by:Results filtered by:
Coverage:
Coverage:Full Coverage
16$6,114
17$4,972
18$4,372
19$3,021
20$2,740
21$2,114
22$1,956
23$1,821
24$1,730
25$1,561

Because car insurance rates for teens are usually high, it makes sense to add them to family policies to save on premiums. For individual policies, State Farm offers the cheapest average rate for a 16-year-old driving a 2022 Subaru Legacy at $3,727 per year, while Farmers provides the highest average rate at $8,887 per year. Comparing quotes from multiple insurers can help you find the least expensive option for your specific situation.

Data filtered by:Results filtered by:
Age:
Age:16
Model Year:
Model Year:2022
Coverage:
Coverage:Full Coverage
State Farm$3,727
Nationwide$4,400
GEICO$5,730
Travelers$5,766
Allstate$7,691
Progressive$8,493
Farmers$8,887

How Does Location Affect the Cost of Subaru Legacy Insurance?

Generally, insurance rates also vary by state. Idaho typically has the lowest rates, whereas Florida has the highest. As always, compare quotes from different providers to determine the most affordable options in your state.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
AlabamaNationwide$709$59
AlaskaState Farm$699$58
ArizonaRoot Insurance Company$682$57
ArkansasState Farm$629$52
CaliforniaAAA California$1,001$83
ColoradoAmerican National P&C$541$45
ConnecticutGEICO$693$58
DelawareState Farm$881$73
District of ColumbiaGEICO$662$55
FloridaState Farm$1,058$88
GeorgiaCountry Financial$665$55
HawaiiGEICO$565$47
IdahoAmerican National P&C$299$25
IllinoisCountry Financial$663$55
IndianaAmerican Family$555$46
IowaState Farm$509$42
KansasNationwide$670$56
KentuckyNationwide$790$66
LouisianaLouisiana Farm Bureau$1,048$87
MaineConcord Group$521$43
MarylandProgressive$938$78
MassachusettsState Farm$483$40
MichiganGEICO$898$75
MinnesotaState Farm$797$66
MississippiDirect General Insurance$723$60
MissouriNationwide$909$76
MontanaProgressive$437$36
NebraskaAmerican National P&C$405$34
NevadaCSAA$940$78
New HampshireState Farm$540$45
New JerseyPlymouth Rock Assurance$895$75
New MexicoState Farm$644$54
New YorkKemper$781$65
North CarolinaErie$630$52
North DakotaAmerican Family$616$51
OhioNationwide$485$40
OklahomaState Farm$662$55
OregonState Farm$706$59
PennsylvaniaNationwide$580$48
Rhode IslandState Farm$700$58
South CarolinaAmerican National P&C$463$39
South DakotaAllstate$746$62
TennesseeState Farm$579$48
TexasState Farm$699$58
UtahNationwide$725$60
VermontState Farm$493$41
VirginiaAmerican Family$601$50
WashingtonPEMCO$534$44
West VirginiaErie$784$65
WisconsinGEICO$556$46
WyomingState Farm$745$62

Frequently Asked Questions About Subaru Legacy Insurance

Those looking for Subaru Legacy insurance often have questions about affordability and service quality. We addressed some of your frequently asked questions below.

What company has the cheapest car insurance for a Subaru Legacy?
What company offers the best car insurance for a Subaru Legacy?

About Mark Fitzpatrick


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Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.