About $1,199 a year for full coverage on a national average — 17% less than the $1,438 average car. Insurers rate the Subaru Legacy at an index of 83 where 100 is a typical vehicle, based on how often and how expensively these cars actually generate claims (latest data covers 2022-2024).
The premium isn't spread evenly. Medical payments — medical bills for you and passengers — carries this car's highest loss index at 100, while Bodily injury sits at 76. That gap is the real reason behind the price, and it's the part a quote form never shows you. Among 31 four-door cars we hold data for, the Legacy ranks #4 from cheapest, below the class median of 116. Against what the car is worth the bill looks different again: a 2025 Legacy sells for a median $28,900, so a year of cover costs 4.1% of the car's value. Over 19 generations of data the index has climbed from 70 (2004-2006) to 83 (2022-2024). Calculated from 25 insurance-loss records and live US listing prices.
Why a Legacy costs what it does
Insurers don't price a car with one number — they track losses separately for each kind of cover. An index of 100 is the average vehicle, so anything above means this model generates costlier claims of that type:
Read it as «where the money goes». A high Collision figure means these cars are expensive to repair after a crash; a high Comprehensive figure points at theft, weather and vandalism instead. Estimated annual split at $1,199: Liability (BI + PD) $576 · Collision $336 · Comprehensive $144 · Other (UM / PIP) $144.
The Legacy against its class
Every four-door cars we hold insurance data for, cheapest to insure first. The Legacy is highlighted — rivals are clickable if you're cross-shopping:
Class as defined by insurers (Four-door cars), not by us — it groups cars by how they're actually driven and repaired. Median for this class is 116, roughly $1,668 a year.
How it changed by generation
Insurance-loss index of the Legacy across every generation in the data. Newer isn't automatically cheaper — driver-assist systems cut crash frequency, while sensors and aluminium panels push repair bills up:
Each point averages every recorded variant of that generation. The Legacy has become more expensive to insure over time (+14 points).
What a Legacy costs by state
Where you park matters as much as what you drive. The Legacy's index applied to each state's average premium — the same car, the same cover, different postcode:
| State | Legacy est. / yr | vs national |
|---|---|---|
| Florida | +39% vs US | |
| Louisiana | +38% vs US | |
| New York | +32% vs US | |
| District of Columbia | +26% vs US | |
| Georgia | +21% vs US | |
| Texas | +20% vs US | |
| Wisconsin | -30% vs US | |
| Hawaii | -31% vs US | |
| Idaho | -32% vs US | |
| North Dakota | -33% vs US | |
| Vermont | -33% vs US | |
| Maine | -36% vs US |
Six priciest and six cheapest states shown. Figures are the state's average premium scaled by this model's loss index — your own quote also depends on age, record, deductible and ZIP.
More on the Subaru Legacy
Subaru Legacy insurance — frequently asked
How much is insurance for a Subaru Legacy?
About $1,199 a year for full coverage at the national average, versus $1,438 for a typical car. That's the model's insurance-loss index of 83 applied to the US average premium.
Why is the Legacy expensive or cheap to insure?
Its costliest area is Medical payments (index 100), which covers medical bills for you and passengers. Insurers set premiums from claim history like this, not from the sticker price.
Is the Legacy cheaper to insure than rivals?
It ranks #4 of 31 in the four-door cars class, where the median index is 116 against this car's 83. Cheaper rivals are listed in the chart above.
Is that a lot relative to the car's value?
A year of cover is 4.1% of what a 2025 Legacy sells for (a median $28,900). Cheap cars often show a higher percentage even when the dollar premium is lower.
Does its safety rating lower the premium?
Not directly. The Legacy holds 5 stars from NHTSA, but crash-test performance and repair cost are priced separately — a car can protect occupants well and still be costly to fix.
Where does this data come from?
Insurance-loss indices published for real vehicles, combined with NAIC state average premiums. It's claim history, not a quote engine — so it shows what these cars actually cost insurers rather than what one company would offer you.
Will my own quote match this?
Treat it as a baseline for the car itself. Your figure also moves with age, driving record, deductible, mileage and ZIP code — the same Legacy can differ by hundreds between two drivers.