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Subaru Legacy Insurance Cost

You have lots of choices when shopping for car insurance for your Subaru vehicle. You can either contact an insurance agent or shop online to check prices from companies. Buying car insurance by quoting online is easy and at the same time you may find lower rates.

People who are new to comparison shopping may think buying affordable Legacy insurance is hard. The are a couple different ways to compare quotes from car insurance companies in your area. By far the easiest way to find competitive Legacy insurance rates is to get quotes online. It is quite easy and can be accomplished by completing this short form.

FREE Car Insurance Comparison

What factors impact the rate you pay?

Insurance premiums paid to insure a Subaru Legacy will vary greatly based upon several criteria. Taken into consideration are:

  • The performance level of your Legacy
  • Your accident history
  • Multiple policies can save money
  • How you use your vehicle
  • Special coverage such as replacement cost
  • Your job
  • The amount of protection requested
  • Whether you rent or own your home

One important consideration that helps determine your rates is the age of the vehicle. Older models have a reduced actual cash value compared to new Subaru models so the costs to repair will push premiums down. But newer models have more advanced features including lane departure warning system, anti-lock brakes, and adaptive headlights so those may give discounted rates.

To get more specific information about how much rates will be for your vehicle, select the year of your Legacy from available model years below.

Liability coverages

Liability insurance protects you from damages or injuries you inflict on a person or their property in an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so buy as much as you can afford.

Collision insurance

Collision insurance pays for damage to your Subaru from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from lower value vehicles. It's also possible to increase the deductible to save money on collision insurance.

Comprehensive coverages

This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle's value is low consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle when the "other guys" do not carry enough liability coverage. Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Coverage for medical payments

Med pay and PIP coverage provide coverage for expenses like doctor visits, EMT expenses, and X-ray expenses. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage.

How Much are Subaru Legacy Insurance Rates?