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

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Updated: May 20, 2024

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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

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:
Coverage:Full Coverage
State FarmAverage Annual Premium$1,062
GEICOAverage Annual Premium$1,126
NationwideAverage Annual Premium$1,290
TravelersAverage Annual Premium$1,320
AllstateAverage Annual Premium$1,406
ProgressiveAverage Annual Premium$1,581
FarmersAverage Annual Premium$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



Ranked first in affordability out of 7 insurers


Ranked second in customer satisfaction



Poor claims management score


Limited variety in optional coverages


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




Strong affordability and customer satisfaction ratings


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



No deductible modification, gap insurance or new car replacement coverage


Below-average claims management score


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:
Coverage:Full Coverage
2022Average Annual Premium$1,447
2021Average Annual Premium$1,422
2020Average Annual Premium$1,394
2019Average Annual Premium$1,421
2018Average Annual Premium$1,422
2017Average Annual Premium$1,363
2016Average Annual Premium$1,360
2015Average Annual Premium$1,330
2014Average Annual Premium$1,292
2013Average Annual Premium$1,308
2012Average Annual Premium$1,298
2011Average Annual Premium$1,261
2010Average Annual Premium$1,276
2009Average Annual Premium$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
Coverage:Full Coverage
NationwideAverage Annual Premium$1,157
State FarmAverage Annual Premium$1,173
GEICOAverage Annual Premium$1,228
TravelersAverage Annual Premium$1,458
ProgressiveAverage Annual Premium$1,606
AllstateAverage Annual Premium$1,650
FarmersAverage Annual Premium$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:Full Coverage
16Average Annual Premium$6,114
17Average Annual Premium$4,972
18Average Annual Premium$4,372
19Average Annual Premium$3,021
20Average Annual Premium$2,740
21Average Annual Premium$2,114
22Average Annual Premium$1,956
23Average Annual Premium$1,821
24Average Annual Premium$1,730
25Average Annual Premium$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:
Model Year:
Model Year:2022
Coverage:Full Coverage
State FarmAverage Annual Premium$3,727
NationwideAverage Annual Premium$4,400
GEICOAverage Annual Premium$5,730
TravelersAverage Annual Premium$5,766
AllstateAverage Annual Premium$7,691
ProgressiveAverage Annual Premium$8,493
FarmersAverage Annual Premium$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:Full Coverage
AlabamaCheapest CompanyNationwideAnnual Premium$709Monthly Premium$59
AlaskaCheapest CompanyState FarmAnnual Premium$699Monthly Premium$58
ArizonaCheapest CompanyRoot Insurance CompanyAnnual Premium$682Monthly Premium$57
ArkansasCheapest CompanyState FarmAnnual Premium$629Monthly Premium$52
CaliforniaCheapest CompanyAAA CaliforniaAnnual Premium$1,001Monthly Premium$83
ColoradoCheapest CompanyAmerican National P&CAnnual Premium$541Monthly Premium$45
ConnecticutCheapest CompanyGEICOAnnual Premium$693Monthly Premium$58
DelawareCheapest CompanyState FarmAnnual Premium$881Monthly Premium$73

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

Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick 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.