Is a Subaru Legacy expensive to insure?

If you own a Subaru Legacy, you'll likely have a reasonable insurance premium. According to Bankrate's analysis of average rate data from Quadrant Information Services, it costs $206 a month for full coverage for a Subaru Legacy. To compare, the national average cost of a full coverage car insurance policy is $225 per month.

How can I save money on Subaru Legacy insurance?

Bundling your policies together can result in significant car insurance savings. And it's not just for homeowners, renters can also usually enjoy a bundling discount. Or, in a pinch, you can always choose a higher deductible. While this means you'll pay more out of pocket when you file a claim, it will help lower your premium.

Is $200 a month for insurance bad?

The national average cost of car insurance is $225 per month for a full coverage policy. Ultimately, there's no such thing as a universal “good” or “bad” car insurance premium. The right policy is the one that offers you adequate financial protection at a price that doesn't break your budget.

Car Insurance for Subaru Legacy

How much does it cost to insure a Subaru Legacy?

Subaru Legacy car insurance costs an average of $2,477 per year for full coverage and $797 for minimum coverage. This is slightly cheaper than the national average cost of car insurance, which is $2,697 per year for full coverage and $820 for minimum coverage.

The kind of car you drive is just one factor that affects what you pay for your policy, but it's an important one. Car insurance companies often consider how a vehicle performs in an accident, what it costs to fix and its safety features when pricing policies.

$2,477 Avg annual full coverage
insurance premium

$797 Avg annual min coverage
insurance premium

Manufacturer’s suggested retail price (MSRP): $26,810

Trims available: Base, Premium, Limited, Sport, Touring XT

Repair costs

Subarus are known for reliability; it's part of the reason they're a beloved vehicle brand. RepairPal estimates that Subaru Legacy owners spend an average of $563 per year on repairs — down $126 from the national average annual cost. While this may not be as low as other Japanese car brands, like Toyota and Honda, it is still considered a fairly affordable car to fix. When a car has lower repair costs, it usually translates to lower insurance costs. Plus, the Legacy is assembled at Subaru's plant in Lafayette, Ind. Although it's a foreign car, the fact it's built in the U.S. can help lower repair costs further.

Safety features

The base trim of the 2025 Legacy comes equipped with EyeSight Driver Assist Technology, which includes automatic emergency steering, pre-collision braking, adaptive cruise control, pre-collision throttle management and other features designed to help prevent an accident. Safety features are a double-edged sword when it comes to how they affect your premium. Higher-tech driver assistance can lower the likelihood of an accident, and in turn, insurance costs. But, if you do get into an accident, safety tech can require more money and specialized labor to repair, driving insurance costs up.

Crash ratings

The better a car is able to protect its driver and passenger in an accident, the cheaper it will likely be to insure. The Insurance Institute for Highway Safety (IIHS) crash tests cars and assigns safety ratings, which insurers often use when pricing policies. The 2025 Subaru Legacy received favorable ratings from the IIHS for crashworthiness, and the 2024 model was named a Top Safety Pick. The 2025 Legacy was also awarded five stars by the National Highway Traffic Safety Administration, the highest rating possible.

Cheapest car insurance companies for a Subaru Legacy

On the whole, Subaru Legacy car insurance is pretty affordable. But, in addition to the kind of car you drive, insurers look at things like your driver profile when setting your rate. Some companies may offer you a better deal for your Subie insurance than others. That's because the way in which companies weigh drivers' risk profiles varies, and the discounts they have available can vary too. For these reasons, most insurance experts suggest comparing quotes from a handful of providers before you buy a policy.

How much does it cost to insure a Subaru Legacy?

Bankrate compiled average rates from some of the top Subaru Legacy car insurance companies to help give you an idea of what you might expect to pay and to show how rates can differ depending on the company you choose.

2023 Subaru Legacy car insurance premium by carrier


Nationwide	$1,596	-881
Auto-Owners	$1,756	-721
Progressive	$2,017	-460
USAA	$2,130	-347
Travelers	$1,997	-480

Powered by Coverage.com (NPN: 19966249)

Advertising disclosure

This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Insurance disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Compare auto insurance rates

Answer a few questions to see personalized rates from top carriers

ZIP Code

Your information is kept secure

Powered by Coverage.com (NPN: 19966249)

Advertising disclosure

This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Insurance disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Other car insurance coverage for a Subaru Legacy

If you took out an auto loan to buy a Subaru Legacy, your lender may require you to carry a full coverage car insurance policy. The definition of full coverage can vary depending on the car insurance company, but most of the time, it refers to a policy that includes comprehensive and collision insurance.

If you own your car outright, you could choose lower coverage limits to save on your insurance bill. While this can help you save in the short term, it could leave you with higher out-of-pocket costs after an accident. If you want more robust financial protection, consider these add-ons:

Rental reimbursement coverage: This can help cover the cost of a rental car while your car is in the shop.
New car replacement: If you total your Legacy in a covered accident, new car replacement can help you purchase a new vehicle of the same make and model.
Gap insurance: If you total your car, the money you receive from your insurance company may not be enough to pay off your outstanding loan balance. Gap insurance can help cover the difference between the two.

How to get a Subaru Legacy car insurance quote

You can get an insurance quote for your car online, over the phone or in person, depending on the insurer. If you're in the market for a new vehicle, comparing quotes before you sign on the dotted line can help you determine how different models would fit into your budget. Here’s a step-by-step guide to gathering and comparing quotes:

Gather personal details: You’ll likely be asked to provide your name, address, date of birth and driver’s license number, as well as the make, model and year of your car — and potentially the vehicle identification number (VIN). If you haven't purchased a car yet, you may be able to get sample quotes by providing an agent with the make and model.
Use online quote tools: To expedite the process of shopping around, you might consider using comparison websites or apps that allow you to get quotes from multiple insurers at once. Alternatively, go directly to insurance company websites and use their online quote tools to receive personalized quotes.
Provide driver details and mileage: You could be asked for specific details about your vehicle, including add-on features or modifications. You might also need to provide your average annual mileage and how the vehicle is primarily used (e.g., for business purposes or personal use). Additionally, you’ll need to provide accurate information about all drivers who will be covered by the policy, including their driving history, age and relationship to you.
Review quotes: Compare the quotes you receive, paying attention to coverage options, limits, deductibles and overall cost. Insurance experts also recommend reviewing customer service scores, financial strength ratings, digital tools and customer reviews to get a holistic view of how a carrier will meet your needs.
Select carrier and apply: Choose the insurance policy that best fits your needs and budget. Complete the application process by providing any additional required information and making your first premium payment.

Compare Subaru Legacy with other similar cars

Subaru Legacy Avg annual full coverage premium $2,477 Read More	Honda Accord Avg annual full coverage premium $2,735 Read More	Nissan Altima Avg annual full coverage premium $2,934 Read More
Price (MSRP)
$26,810	$28,295	$27,000
NHTSA Safety rating The NHTSA uses a 5-star rating program to evaluate how vehicles perform in crash tests based on frontal, side and rollover collisions.
5 stars	5 stars	5 stars
Gas mileage
30 mpg	32 mpg	32 mpg
IIHS/HLDI Collision insurance losses The IIHS and HLDI collect data on how insurance losses for specific models compare to the average for all passenger vehicles. These results are adjusted for deductible and specifically for collision claim losses.
Better than average	Average	Substantially worse than average

Frequently asked questions

If you own a Subaru Legacy, you'll likely have a reasonable insurance premium. According to Bankrate's analysis of average rate data from Quadrant Information Services, it costs $206 a month for full coverage for a Subaru Legacy. To compare, the national average cost of a full coverage car insurance policy is $225 per month.
Bundling your policies together can result in significant car insurance savings. And it's not just for homeowners, renters can also usually enjoy a bundling discount. Or, in a pinch, you can always choose a higher deductible. While this means you'll pay more out of pocket when you file a claim, it will help lower your premium.
The national average cost of car insurance is $225 per month for a full coverage policy. Ultimately, there's no such thing as a universal “good” or “bad” car insurance premium. The right policy is the one that offers you adequate financial protection at a price that doesn't break your budget.

Bankrate utilizes Quadrant Information Services to analyze November 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:

40 year old

Single male and female driver

2023 Toyota Camry

Primary vehicle

Good credit score

Clean driving record

Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Other profiles

Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.