How much is insurance on a Subaru Legacy?
A 2024 Subaru Legacy runs about $1,780 a year for a typical 45-year-old, $170 less than an average 2024 car, because of fewer at-fault claims and slightly cheaper repairs.
2024 Subaru Legacy, national average
about $1,780 a year (about $150 a month)
roughly $1,300–$2,400
An average 2024 car: about $1,940. An older Subaru Legacy costs less (below).
Priced: the 2024 Legacy AWD (the newest year our claims data covers), a 45-year-old, clean record, full coverage. Each state moves every car's price by the same share. How we got these.
A used Subaru Legacy, by model year
| Model year | Full coverage | Liability only | Adding a teen | Teen on their own policy |
|---|---|---|---|---|
| 2024 (0–3 years old) | about $1,780 | about $880 | +$1,170 | about $5,100 |
| 2022 (4–7 years old) | about $1,670 | about $880 | +$1,100 | about $4,790 |
| 2018 (8–12 years old) | about $1,550 | about $880 | +$1,020 | about $4,450 |
| 2013 (13 or more years old) | about $1,440 | about $880 | +$950 | about $4,120 |
We list the Subaru Legacy for 2006–2025. How much a car's age takes off is our own estimate. Years before 2022 use the 2022–24 claims results.
The Subaru Legacy for other drivers on their own policy, a year: 22–25, $2,310; 26–39, $1,970; 65 and older, $1,860.
Adding a 16-year-old with a Subaru Legacy
A new 16-year-old driving the Subaru Legacy adds about $1,170 a year ($100 a month), $110 less than with an average 2024 car.
For adding a teen, the Subaru Legacy ranks 18th cheapest of our 121 car pages.
That's the whole household's bill going up. Cheapest cars to insure for a teen.
Why the Subaru Legacy costs what it does
Its insurance claims against an average car's (HLDI):
- Repairs
- much lower than average
- Theft and weather
- about average
- Damage to others
- lower than average
- Injuries to others
- much lower than average
The part that fixes or replaces the Subaru Legacy: about $900, against $950 for an average 2024 car (6% less). The part that pays for harm to others: about $880, against $990 for an average car (11% less).
By the EPA's size classes it's a midsize car, and it's gas-powered. The Highway Loss Data Institute groups it with midsize four-door cars.
Matched to “Subaru Legacy 4WD with EyeSight” in HLDI's results.
Similar midsize four-door cars
Among these 9 midsize four-door cars, the Subaru Legacy is the least expensive to insure.
- 2024 Subaru Legacyabout $1,780 (this car)
- 2024 Hyundai Ioniq 6about $1,950 ($180 more)
- 2024 Volkswagen Jettaabout $2,070 ($290 more)
- 2024 Honda Accordabout $2,070 ($290 more)
- 2024 Toyota Camryabout $2,090 ($310 more)
Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.
This is an estimate to help you plan, not a quote. We don't sell insurance, and we never pass your info to anyone. Only an insurer can give you a real price.