Car Insurance CostsSubaru LegacyCompare 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.
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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.
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
pros
Ranked first in affordability out of 7 insurers
Ranked second in customer satisfaction
cons
Poor claims management score
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.
MoneyGeek Runner-Up: GEICO
pros
Strong affordability and customer satisfaction ratings
Provides valuable add-on coverages like mechanical breakdown insurance (MBI) and accident forgiveness
cons
No deductible modification, gap insurance or new car replacement coverage
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.
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.
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.
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.
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.