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 car of the same age, because of fewer injury claims, lower crash-repair losses, and less damage to others' property. Putting a new 16-year-old on a family policy with the Legacy adds about $1,170 a year (#1 of 9 midsize four-door cars we compare).
2024 Subaru Legacy (Legacy AWD), national average
about $1,780 a year (about $150 a month)
Estimated range: $1,300–$2,400. Actual quotes can fall outside it.
An average car of the same age (what HLDI's 2022–24 results measure against) runs about $1,940 a year. A used 2013 Legacy drops to about $1,380 (see the table below).
Priced for the 2024 Legacy AWD, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Legacy's rank is the same in every state.
Why the Subaru Legacy costs what it does
What HLDI reports (2022–24 models, all drivers combined)
The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the Subaru Legacy 4WD with EyeSight, on HLDI's scale where 100 is an average car and lower is better, it reports 79 for crash repairs, 96 for non-crash damage, 82 for damage to others' property, and 76 for injury claims.
- Crash repairs (collision)fixing this car after a crashBetter than average21% better than averagebest of the 9 midsize four-door cars we compare
- Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesAverage4% better than average4th best of the 9 midsize four-door cars we compare
- Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultAverage18% better than averagebest of the 9 midsize four-door cars we compare
- Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costBetter than averagefiled 24% less often than averagebest of the 8 midsize four-door cars we compare
HLDI rates results within about 20% of average as “Average.”
Source: HLDI, insurance losses by make and model, 2022–24 models.
What we estimate that means for price
Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Legacy comes out about 16% better than average. We count about 40% of that difference, so the part of the bill that fixes the car is about 6% less than average: about $900 a year vs $950. On the liability side, damage to others and injury claims combine to about 21% better than average. We count about half, so that part is about 11% less: $880 a year vs $990.
In EPA size classes, the Legacy is a midsize car (gas-powered). In Highway Loss Data Institute loss tables, the Subaru Legacy is benchmarked against midsize four-door cars.
Matched to HLDI series “Subaru Legacy 4WD with EyeSight” (HLDI, 2022–24 models).
A used Subaru Legacy, by model year
| Model year | Full coverage | Liability only | Adding a teen | Teen on their own policy |
|---|---|---|---|---|
| 2024 Legacy AWD (0–3 years old) | about $1,780 | about $880 | +$1,170 | about $5,100 |
| 2022 Legacy AWD (4–7 years old) | about $1,670 | about $880 | +$1,100 | about $4,790 |
 2018 Legacy AWD (8–12 years old) | about $1,420 | about $790 | +$940 | about $4,080 |
 2013 Legacy AWD (13 or more years old) | about $1,380 | about $830 | +$910 | about $3,970 |
Our catalog covers the Subaru Legacy across model years 2006–2025. Full coverage on a used 2013 Legacy (13 or more years old) runs about $1,380 a year, $390 less than on a 2024. Dropping collision and comprehensive on that 2013 brings liability-only coverage to about $830 a year. Each photo shows that year's generation of the car. Photo credits.
For the 2024 Subaru Legacy, our catalog lists the Legacy AWD configuration at about $1,780 a year.
On a policy of their own with a 2024 Subaru Legacy, a 22–25-year-old pays about $2,310 a year ($530 more than a 45-year-old), a 26–39-year-old about $1,970, and a driver 65 and older about $1,860.
Adding a 16-year-old with a Subaru Legacy
Because the Subaru Legacy starts from lower losses than most cars, adding a new 16-year-old driver raises the family bill by about $1,170 a year ($100 a month), $110 less than adding a teen with an average car of the same age. Putting that 16-year-old on a policy of their own instead costs about $5,100 a year, about $3,930 more than sharing the family policy.
For adding a teen driver, the Subaru Legacy ranks 18th cheapest out of all 121 models we track. Stepping down to a used 2013 Legacy (13 or more years old) brings the teen add-on to about $910 a year.
That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.
Similar midsize four-door cars
Among these 9 midsize four-door cars, the Subaru Legacy is the least expensive to insure. Next up is the Hyundai Ioniq 6, at about $1,950 a year.
- 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)
Photos from Wikimedia Commons contributors. Photo credits.
What a Subaru Legacy costs in your state
In six sample states, a 2024 Subaru Legacy runs from about $1,140 a year in Maine through Iowa, Nebraska, Utah and Connecticut to about $2,130 in Texas:
- Maineabout $1,140/yr · +$750 teen
- Iowaabout $1,250/yr · +$820 teen
- Nebraskaabout $1,460/yr · +$960 teen
- Utahabout $1,590/yr · +$1,050 teen
- Connecticutabout $1,860/yr · +$1,230 teen
- Texasabout $2,130/yr · +$1,410 teen
All 50 states and DC · Updated .
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 nothing you type is sent to us. Only an insurer can give you a real price.