Subaru Legacy Insurance: by Model Year & Company
Subaru Legacy insurance costs an average of $889 for a 6-month full coverage policy. American Family offers the cheapest rate for the latest Subaru Legacy at $133/mo or $796 for a 6-month full coverage policy.
- Shopping around? Use our calculator to compare average insurance rates by vehicle.
- Know your vehicle? Get a personalized quote by entering your zip code.
What to know about insuring a Subaru Legacy:
- The Legacy costs less to insure than most sedans. Averaging $148/mo for the Legacy versus $203/mo for typical sedans.
- If you're considering a vehicle similar to the Legacy, like the Subaru Forester ($142/mo), Subaru Impreza ($148/mo), or Subaru XV Crosstrek ($122/mo), your insurance costs will be more expensive.
- American Family ($117/mo), USAA ($117/mo), Progressive ($118/mo) offer the cheapest full coverage rates.
The rates displayed are based on a full coverage 30-year-old male driver with no violations in 2025. Customizations to your vehicle (trim or modifications) and your driving history will impact your insurance costs. Consider these rates as a jumping off point for your search.
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Cheapest Companies
2025 Subaru Legacy
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| American Family |
$1,591 |
| Progressive |
$1,695 |
| USAA |
$1,699 |
| Nationwide |
$1,709 |
| State Farm |
$2,013 |
| Erie |
$2,019 |
| GEICO |
$2,278 |
| Farmers |
$3,110 |
| Allstate |
$3,286 |
Compare all 2025 Subaru Legacy insurance rates.
Average Cost to Insure Per Year
$2,1852024 Subaru Legacy
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| American Family |
$1,544 |
| USAA |
$1,668 |
| Progressive |
$1,684 |
| Nationwide |
$1,749 |
| State Farm |
$1,951 |
| Erie |
$1,960 |
| GEICO |
$2,201 |
| Farmers |
$2,957 |
| Allstate |
$3,139 |
Compare all 2024 Subaru Legacy insurance rates.
Average Cost to Insure Per Year
$2,1272023 Subaru Legacy
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| American Family |
$1,500 |
| Progressive |
$1,658 |
| USAA |
$1,665 |
| Nationwide |
$1,741 |
| Erie |
$1,903 |
| State Farm |
$1,907 |
| GEICO |
$2,070 |
| Farmers |
$2,834 |
| Allstate |
$3,102 |
Compare all 2023 Subaru Legacy insurance rates.
Average Cost to Insure Per Year
$2,0712022 Subaru Legacy
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| American Family |
$1,506 |
| Progressive |
$1,549 |
| USAA |
$1,657 |
| Erie |
$1,847 |
| State Farm |
$1,850 |
| Nationwide |
$1,923 |
| GEICO |
$1,930 |
| Farmers |
$2,701 |
| Allstate |
$2,795 |
Compare all 2022 Subaru Legacy insurance rates.
Average Cost to Insure Per Year
$1,9872021 Subaru Legacy
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| American Family |
$1,458 |
| Progressive |
$1,471 |
| USAA |
$1,595 |
| Erie |
$1,795 |
| GEICO |
$1,800 |
| Nationwide |
$1,817 |
| State Farm |
$1,970 |
| Farmers |
$2,598 |
| Allstate |
$2,777 |
Compare all 2021 Subaru Legacy insurance rates.
Average Cost to Insure Per Year
$1,9262020 Subaru Legacy
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| American Family |
$1,353 |
| Progressive |
$1,449 |
| USAA |
$1,517 |
| Erie |
$1,699 |
| State Farm |
$1,799 |
| GEICO |
$1,813 |
| Nationwide |
$2,125 |
| Allstate |
$2,483 |
| Farmers |
$2,486 |
Compare all 2020 Subaru Legacy insurance rates.
Average Cost to Insure Per Year
$1,8832019 Subaru Legacy
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$1,375 |
| USAA |
$1,442 |
| American Family |
$1,463 |
| Erie |
$1,467 |
| GEICO |
$1,656 |
| State Farm |
$1,776 |
| Nationwide |
$1,811 |
| Farmers |
$2,419 |
| Allstate |
$2,499 |
Compare all 2019 Subaru Legacy insurance rates.
Average Cost to Insure Per Year
$1,7772018 Subaru Legacy
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Progressive |
$1,356 |
| American Family |
$1,456 |
| Erie |
$1,488 |
| USAA |
$1,491 |
| GEICO |
$1,694 |
| State Farm |
$1,850 |
| Nationwide |
$1,872 |
| Allstate |
$2,298 |
| Farmers |
$2,401 |
Compare all 2018 Subaru Legacy insurance rates.
Average Cost to Insure Per Year
$1,7772017 Subaru Legacy
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,350 |
| Progressive |
$1,357 |
| American Family |
$1,425 |
| Erie |
$1,430 |
| GEICO |
$1,631 |
| State Farm |
$1,655 |
| Nationwide |
$1,923 |
| Farmers |
$2,367 |
| Allstate |
$2,480 |
Compare all 2017 Subaru Legacy insurance rates.
Average Cost to Insure Per Year
$1,7502016 Subaru Legacy
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,268 |
| Progressive |
$1,345 |
| Erie |
$1,359 |
| American Family |
$1,361 |
| GEICO |
$1,578 |
| State Farm |
$1,657 |
| Nationwide |
$1,735 |
| Farmers |
$2,264 |
| Allstate |
$2,353 |
Compare all 2016 Subaru Legacy insurance rates.
Average Cost to Insure Per Year
$1,6722015 Subaru Legacy
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,206 |
| Progressive |
$1,309 |
| Erie |
$1,314 |
| American Family |
$1,351 |
| GEICO |
$1,522 |
| State Farm |
$1,626 |
| Nationwide |
$1,863 |
| Farmers |
$2,188 |
| Allstate |
$2,277 |
Compare all 2015 Subaru Legacy insurance rates.
Average Cost to Insure Per Year
$1,6422014 Subaru Legacy
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,179 |
| Progressive |
$1,241 |
| American Family |
$1,303 |
| Erie |
$1,324 |
| State Farm |
$1,449 |
| GEICO |
$1,522 |
| Nationwide |
$1,847 |
| Farmers |
$2,094 |
| Allstate |
$2,186 |
Compare all 2014 Subaru Legacy insurance rates.
Average Cost to Insure Per Year
$1,5892013 Subaru Legacy
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,147 |
| Progressive |
$1,267 |
| American Family |
$1,270 |
| Erie |
$1,303 |
| State Farm |
$1,423 |
| GEICO |
$1,478 |
| Nationwide |
$1,708 |
| Farmers |
$2,019 |
| Allstate |
$2,237 |
Compare all 2013 Subaru Legacy insurance rates.
Average Cost to Insure Per Year
$1,5582012 Subaru Legacy
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,088 |
| Progressive |
$1,224 |
| American Family |
$1,233 |
| Erie |
$1,261 |
| State Farm |
$1,347 |
| GEICO |
$1,429 |
| Nationwide |
$1,611 |
| Farmers |
$2,000 |
| Allstate |
$2,216 |
Compare all 2012 Subaru Legacy insurance rates.
Average Cost to Insure Per Year
$1,5052011 Subaru Legacy
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| USAA |
$1,101 |
| Erie |
$1,203 |
| American Family |
$1,204 |
| Progressive |
$1,220 |
| GEICO |
$1,390 |
| State Farm |
$1,427 |
| Nationwide |
$1,612 |
| Farmers |
$1,898 |
| Allstate |
$2,244 |