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Simply input your ZIP code, and allow us to guide you towards the most beneficial car insurance in your vicinity. We are like detectives of insurance policies, committed to sniffing out the most affordable coverage for you. We diligently compare all available insurers, recommend the optimal deductibles, and tirelessly search for every possible discount. We're here to ensure you get the best deal on your auto insurance!

2022 Subaru Legacy, Premium Car Insurance Rates

How much does it cost to insure this gas Sedan version of Subaru Legacy (182 hp) in 2024 and upcoming 2025?

The average cost to insure this trim level of 2022 Subaru Legacy is $1,324 per year, which is $110 monthly. If you're looking for the cheapest policies, we'll help you find out how much does it cost to insure gas version of Subaru Legacy Sedan in 2023 and compare offers from different insurance companies in your area. Let's compare car insurance prices for the trim version "Premium" and similar types of Subaru model years 2022 with different equipment and safety features.

Less than $55 monthly?

The average cost to insure this trim level of 2022 Subaru Legacy is $1,324 per year, which represents a monthly cost of around $110. Depending on your age, location, driving history, mileage and credit score, the annual cost can drop to less than $662 annually. If you raise the deductible on this 2022 Legacy to $2000, your collision premium can drop to $551 annually and comprehensive coverage to less than $138 per year. With the low purchase price of this model coming in at under $25,245, you can rest assured that your insurance premiums will remain affordable.

Specifications that may affect your rates.

The size and power of the engine, as well as other technical parameters of 2022 Subaru, Legacy affect your policies.

The table below showcases the decisive specifications of the Subaru, Legacy that have an effect on auto insurance premiums in your vicinity. These include engine power, cubic capacity and torque - all determinants for successful driving performance. Beyond its technical features, the most critical determinant of an auto insurance cost is undoubtedly that vehicle's sticker price. The model in consideration was valued at approximately $25,245.
SpecificationsParameter
Engine Size2.50
Horse Power (HP)182
Horse Power (RPM)5800
Engine Typegas
Cylindersflat 4
Torque (RPM)4400
Pound-foot (torque)176
Transmissioncontinuously variable-speed automatic
Fuel Typeregular unleaded
Curb Weight3505
The Subaru  Legacy comes equipped with a number of innovative safety features that may be taken into consideration by certain insurance providers when calculating policy prices. However, remember that these improved security measures are not always advantageous -- contemporary technology can also result in higher premiums. Many modern safety features, like autonomous systems, radars, automatic brakes and advanced airbags are priced highly; however, there likely won't be much improvement in your insurance rates due to the fact that they factor in these potential costs.
How much will you pay for Subaru Legacy Premium car insurance based on your age, credibility and driving skills?
Lowest RatesAverage Rates
Average Drivers$927$1,324 Your Rates? Get Quotes
Good Drivers$530$795 Your Rates? Get Quotes
Teen Drivers$1,589$2,516 Your Rates? Get Quotes
Bad Credit$1,457$1,854 Your Rates? Get Quotes

Table of contents

2022 Subaru, Legacy, Premium: Rates by insurance company

Which insurer offers the most advantageous annual car insurance on this model of 2022 Legacy?

When you're searching for car insurance rates on a 2022 Subaru Legacy, Premium, don't waste your time comparing companies – we've already done the hard work! With competitive prices like ERIE's average annual rate of $728 and Allstate's at just $848 per year, why look any further? Farmers will charge around $927 each year while GEICO is slightly higher with an estimated cost of about $993. As a trouble-free driver with a harmless insurance history, you can get even lower rates of around $795 per year if you operate your 2022 Subaru Legacy, Premium in a low-traffic and safe location. Your rates will be even lower if you bundle your policy, have a good driving history and credit score. Discover the various model series and equipment types available for this car below!
This table allows you to compare car insurance rates for the 2022 Subaru, Legacy (Premium) from an extensive selection of insurers in your area. You can find out the cheapest prices, average annual costs and get instant quotes on the Legacy model (2022) right here! We are autonomous and impartial; we do not receive commissions or payments from any auto insurer. Our sole commitment is to help our customers secure a policy that meets their needs at an affordable rate.
Insurance CompanyLowest RatesSubaru Legacy
ERIE

ERIE offers comprehensive auto insurance coverage

$437$728 Get Quotes Agents Call
Auto-Owners

Auto-Owners has competitive rates in .

$405$675 Get Quotes Agents Call
Allstate

Allstate can meet its financial and claims obligations easily.

$509$848 Get Quotes Agents Call
American Family

Quality coverage, competitive rates from an industry leader.

$477$795 Get Quotes Agents Call
Farmers

Great coverage options backed by a knowledgeable, professional team.

$556$927 Get Quotes Agents Call
GEICO

Wide range of coverage, competitive rates, an experienced customer service.

$596$993 Get Quotes Agents Call
Liberty Mutual

Usage-based car insurance programs, competitive rates

$635$1,059 Get Quotes Agents Call
Nationwide

Very cheap car insurance rates when adding a teen driver to a policy.

$676$1,126 Get Quotes Agents Call
Progressive

Smart choice for high-risk drivers.

$715$1,192 Get Quotes Agents Call
State Farm

Good discount opportunities for students and teens.

$755$1,258 Get Quotes Agents Call
Travelers

Below-average insurance rates, well-rated for claims handling.

$834$1,390 Get Quotes Agents Call
USAA

High customer satisfaction scores.

$874$1,457 Get Quotes Agents Call

How much is 2022 Subaru Legacy Car Insurance in Your State?

Who has the cheapest rates for this gas Legacy?

Want to learn more about what kind of coverage you can expect for a 2022 gas version of Subaru Legacy with 182 horsepower in your State? Look no further. Our table outlines the cost involved, taking into consideration legal minimum requirements, average rates in each state and other factors such as minimal full coverage premiums. As an example, the average driver in California pays approximately $1,322 a year for basic liability coverage. Florida drivers can expect to pay around $1,468 per annum for Toyota Camry policies and Texans tend to get lower rates of about $1,248 each year. To get the exact rates for your region (ZIPCode) and vehicle, it is recommended to get online quotes from multiple insurance carriers and compare their offerings.
How much does it cost to insure 2022 Subaru Legacy, Premium (Sedan) in Your State?
Your State Requirements 2022 Subaru Legacy
Alabama 25/50/25 $1,178 Your Rates? Get Quotes
Alaska 50/100/25 $1,166 Your Rates? Get Quotes
Arizona 25/50/15 $1,138 Your Rates? Get Quotes
Arkansas 25/50/25 $1,290 Your Rates? Get Quotes
California 15/30/5 $1,322 Your Rates? Get Quotes
Colorado 25/50/15 $1,336 Your Rates? Get Quotes
Connecticut 25/50/25 $1,266 Your Rates? Get Quotes
Delaware 25/50/10 $1,230 Your Rates? Get Quotes
District of Columbia 25/50/10 $1,270 Your Rates? Get Quotes
Florida 10/20/10 $1,468 Your Rates? Get Quotes
Georgia 25/50/25 $1,314 Your Rates? Get Quotes
Guam 25/50/20 $870 Your Rates? Get Quotes
Hawaii 20/40/10 $982 Your Rates? Get Quotes
Idaho 25/50/15 $966 Your Rates? Get Quotes
Illinois 25/50/20 $1,110 Your Rates? Get Quotes
Indiana 25/50/25 $1,022 Your Rates? Get Quotes
Iowa 20/40/15 $1,042 Your Rates? Get Quotes
Kansas 25/50/25 $1,218 Your Rates? Get Quotes
Kentucky 25/50/25 $1,380 Your Rates? Get Quotes
Louisiana 15/30/25 $1,620 Your Rates? Get Quotes
Maine 50/100/25 $914 Your Rates? Get Quotes
Maryland 30/60/15 $1,278 Your Rates? Get Quotes
Massachusetts 20/40/5 $1,020 Your Rates? Get Quotes
Michigan 50/100/10 $1,452 Your Rates? Get Quotes
Minnesota 30/60/10 $1,187 Your Rates? Get Quotes
Mississippi 25/50/25 $1,245 Your Rates? Get Quotes
Missouri 25/50/25 $1,194 Your Rates? Get Quotes
Montana 25/50/20 $1,225 Your Rates? Get Quotes
Nebraska 25/50/25 $1,145 Your Rates? Get Quotes
Nevada 25/50/20 $1,426 Your Rates? Get Quotes
New Hampshire 25/50/25 $1,041 Your Rates? Get Quotes
New Jersey 15/30/5 $1,232 Your Rates? Get Quotes
New Mexico 25/50/10 $1,090 Your Rates? Get Quotes
New York 25/50/10 $1,424 Your Rates? Get Quotes
North Carolina 30/60/25 $1,058 Your Rates? Get Quotes
North Dakota 25/50/25 $1,034 Your Rates? Get Quotes
Ohio 25/50/25 $942 Your Rates? Get Quotes
Oklahoma 25/50/25 $1,278 Your Rates? Get Quotes
Oregon 25/50/20 $1,049 Your Rates? Get Quotes
Pennsylvania 15/30/5 $1,110 Your Rates? Get Quotes
Puerto Rico 3/3/3 $1,050 Your Rates? Get Quotes
Rhode Island 25/50/25 $1,338 Your Rates? Get Quotes
South Carolina 25/50/25 $1,136 Your Rates? Get Quotes
South Dakota 25/50/25 $1,186 Your Rates? Get Quotes
Tennessee 25/50/15 $1,044 Your Rates? Get Quotes
Texas 30/60/25 $1,248 Your Rates? Get Quotes
Utah 25/65/15 $1,054 Your Rates? Get Quotes
Vermont 25/50/10 $1,010 Your Rates? Get Quotes
Virgin Islands 10/25/10 $1,158 Your Rates? Get Quotes
Virginia 30/60/20 $1,050 Your Rates? Get Quotes
Washington 25/50/10 $998 Your Rates? Get Quotes
West Virginia 25/50/25 $1,130 Your Rates? Get Quotes
Wisconsin 25/50/10 $1,002 Your Rates? Get Quotes
Wyoming 25/50/20 $1,126 Your Rates? Get Quotes

Compare insurance premiums across all Subaru Legacy models

The same car models can have annual insurance policies that differ by hundreds of dollars. We'll explain why.

Subaru Legacy car insurance rates can vary depending on the model of car you own. Insurance companies often times charge higher rates for luxury or sports cars because they are considered to be a higher risk. In the table below, you can find all trim versions of the Legacy model of the Subaru brand, including average prices for an annual policy. As you can see, different variants of your model are valued differently by insurance companies. However, there are ways to compare rates and find the best policy for you and your vehicle. When shopping for car insurance, it is important to compare rates from multiple companies. Some insurers will offer discounts for certain features of your car, such as safety features or anti-theft devices. It is also important to consider the type of coverage you need. If you live in an area with a lot of traffic, you may want to purchase comprehensive or collision coverage.
Compare insurance rates for all trim levels...
Year Average Rates
2022 Subaru Legacy, (base)

4dr Sedan AWD (2.5L 4cyl CVT)

$1,270 Your Rates? Get Quotes
2022 Subaru Legacy, Limited

Limited 4dr Sedan AWD (2.5L 4cyl CVT)

$1,344 Your Rates? Get Quotes
2022 Subaru Legacy, Limited XT

Limited XT 4dr Sedan AWD (2.4L 4cyl Turbo CVT)

$2,091 Your Rates? Get Quotes
2022 Subaru Legacy, Sport

Sport 4dr Sedan AWD (2.5L 4cyl CVT)

$1,344 Your Rates? Get Quotes
2022 Subaru Legacy, Premium

Premium 4dr Sedan AWD (2.5L 4cyl CVT)

$1,344 Your Rates? Get Quotes
2022 Subaru Legacy, Touring XT

Touring XT 4dr Sedan AWD (2.4L 4cyl Turbo CVT)

$2,072 Your Rates? Get Quotes
2021 Subaru Legacy, Touring XT

Touring XT 4dr Sedan AWD (2.4L 4cyl Turbo CVT)

$1,806 Your Rates? Get Quotes
2021 Subaru Legacy, (base)

4dr Sedan AWD (2.5L 4cyl CVT)

$1,106 Your Rates? Get Quotes
2021 Subaru Legacy, Limited

Limited 4dr Sedan AWD (2.5L 4cyl CVT)

$1,172 Your Rates? Get Quotes
2021 Subaru Legacy, Limited XT

Limited XT 4dr Sedan AWD (2.4L 4cyl Turbo CVT)

$1,822 Your Rates? Get Quotes

2022 "Premium" Insurance Rates by Age & Gender

How your age affects car insurance costs for this vehicle?

The Legacy's annual car insurance premium costs an average of $1,324. As seen in the table below, 16-year old drivers have to shell out a whopping $3,443 for their "Lariat" trim level policy - the highest rate among all age groups. Until the age of 19, this amount decreases only minimally, and twenty-year-old "male" insureds pay a monthly insurance amount of $179. On the other hand, seniors aged 55+ with good record on driving can get this type of coverage at its lowest price possible, approx. $993 annually. While gender does affect rates slightly too; it is ultimately the driver's age that has a greater influence on insurance premiums. By taking advantage of all the right factors - such as being over 30, choose the ideal insurance company, having a stellar credit history, no past driving violations, high enough deductible and living in an area with low crime rates - you could be paying just $551 for collision coverage plus $138 for comprehensive coverage on your Ford Maverick annually. If you opt to get full car insurance protection, this will total up to only $689 per year!
Finding the right auto insurance for this model of Legacy can be a tricky process that requires research. Make sure to consider important factors such as coverage needs, deductible options, discounts or loyalty programs available, and customer service ratings of the company you choose. Crucially - especially for younger drivers - make sure to shop around different insurers in order get the best rate possible!
TeenagersFemaleMale
16 years old$3,311$3,496
17 years old$3,244$3,417
18 years old$3,191$3,324
19 years old$3,046$3,165
AdultsFemaleMale
20 years old$2,053$2,145
21 years old$1,933$2,013
22 years old$1,814$1,854
23 years old$1,708$1,735
24 years old$1,589$1,642
25 years old$1,258$1,457
30 years old$1,192$1,271
35 years old$1,139$1,179
40 years old$1,059$1,112
45 years old$1,046$1,073
50 years old$1,020$1,033
55 years old$953$993
SeniorsFemaleMale
60 years old$940$1,020
65 years old$914$967
70 years old$1,073$1,112
75 years old$1,205$1,245

How do deductibles influence your insurance premiums?

The amount of your deductible can significantly affect the cost of your insurance premium.

For a 2022 Subaru Legacy Premium raising your car insurance deductible to $1000 may help you save up to 22% on collision and comprehensive coverage. That would mean an annual premium of approximately $1,033 - saving you money upfront! However, if a lower deductible is more budget-friendly for you right now, choosing one of just $100 can still provide some discount off the total policy annually (often as much as 2%), leaving only about $1,298 yearly or around $108 monthly in payments. Ultimately it's all about finding a balance between what works best for your wallet and how much risk you're willing to take on. By selecting a deductible of $2000 for this model of Legacy, your collision coverage will be around $551 and comprehensive premium should come in at just under $138.
This table provides an analysis of the cost between Subaru Legacy Premium collision and comprehensive premiums based on the amount of your deductible. It's more budget-friendly to set a higher deductible for collision coverage, since it comprises almost three times as much of the premium cost when compared to comprehensive insurance. Conversely, you'll want to select a low deductible for your extensive coverage in order to save even more money.
Your DeductibleCollision PremiumComprehensive Premium
Zero-deductible

Increases rates significantly

$1,165$291 Get Quotes
$50

1% deductibles discount

$1,049$262 Get Quotes
$100

2% deductibles discount

$1,038$260 Get Quotes
$150

3% deductibles discount

$1,028$257 Get Quotes
$200

5% deductibles discount

$1,006$252 Get Quotes
$250

7% deductibles discount

$985$246 Get Quotes
$300

9% deductibles discount

$964$241 Get Quotes
$500

15% deductibles discount

$900$225 Get Quotes
$1000

22% deductibles discount

$826$207 Get Quotes
$2000

48% deductibles discount

$551$138 Get Quotes

FAQ & Answers

related to car insurance of 2022 Subaru Legacy, Premium

Simply input your ZIP code, and allow us to guide you towards the most beneficial car insurance in your vicinity. We are like detectives of insurance policies, committed to sniffing out the most affordable coverage for you. We diligently compare all available insurers, recommend the optimal deductibles, and tirelessly search for every possible discount. We're here to ensure you get the best deal on your auto insurance!

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