Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...

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Reviewed by Laura Walker
Licensed Agent for 10 Years

UPDATED: Jun 4, 2019

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If you’re in the market for a Subaru Legacy, you’re most likely wondering how much the cost of car insurance is.

The answer is that car insurance rates will vary based on personal characteristics such as your driving record and the area where you live, so you’ll need to enter your zip code in the box to get exact figures.

However, you should read this article to get important information about the Subaru Legacy before comparing car insurance rates for this midsized sedan.

Use our FREE quote tool to compare insurance rates today!

About the Subaru Legacy

The Subaru Legacy was first introduced to the American auto market in 1990 by Japanese automaker Subaru in an attempt to compete with the Toyota Camry and the Honda Accord.

Since then, it has made a name for itself as the only midsized sedan to come standard with all-wheel drive and one of only a handful of sedans that offer a diesel engine option.

The Subaru EE flat-4, but this option is not currently available in the U.S. To date, over 3 million Subaru Legacies have been sold worldwide.

Specifications for the Subaru Legacy

Subaru Legacy owners can choose from a regular 4-cylinder engine, a 4-cylinder turbocharged model or the signature 6-cylinder Subaru Boxer engine.

The vehicle’s interior comes standard with Vehicle Dynamics Control, while Bluetooth connectivity, heated seats, voice-activated navigation and a Harman Kardon sound system are all available as add-ons.

The Subaru Legacy 2.5i features a 170 horsepower, 2.5 liter engine that gets up to 23 miles per gallon in the city, and 31 miles per gallon on the highway. This model is available with an automatic or 6-speed manual transmission.

The Legacy 2.5GT has 265 horsepower, 2.5 liter engine gets 18 city miles per gallon and 25 highway miles per gallon, but some owners enjoy the increased power that comes with this lower fuel economy.

The most powerful model is the 3.6R, which features a 256 horsepower, 3.6 liter engine that has fuel economy numbers similar to the 2.5GT.

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Vehicle Safety Features and Ratings for the Subaru Legacy

The Subaru Legacy, which starts at an MSRP of $19,995, has been named a Top Safety Pick by the Insurance Institute for Highway Safety. It received the institute’s highest possible ratings for frontal, side and select rear-impact tests (those designed to measure degree of whiplash sustained in rear-end collisions).

It was also rated high for maintaining structural integrity in rollovers.

From the federal government, the Subaru Legacy’s safety design earned an overall four-star rating, but it received five stars in tests of its ability to prevent rollovers.

The Subaru Legacy includes safety features like active head restraints to prevent whiplash, as well as stability and traction control features. Some reviewers also consider the standard all-wheel drive to be a safety feature.

Consumer Reviews for the Subaru Legacy

Although the Subaru Legacy is not the highest-rated or most popular car in its category, this has more to do with the competitiveness of the midsized sedan category than with any deficiencies in the Legacy itself.

Drivers are impressed with the Legacy’s all-wheel drive, spacious interior, outward visibility and the wide range of engine choices available in the Legacy line.

However, drivers are less pleased with the quality of the Subaru Legacy’s sound and navigation systems.

Another problem for drivers and professional reviewers alike is the Legacy’s fuel economy, which is somewhat poor for a car in its class.

Average fuel economy for the Legacy is 18/25mpg, while the Honda Accord gets 23/34mpg and the Toyota Camry gets 22/32mpg. This difference is mainly attributable to the Legacy’s standard all-wheel drive, which reduces fuel economy in all models.

How much is car insurance for the Subaru Legacy?

When considering the cost of ownership for a new vehicle, many buyers neglect to factor the price of car insurance into their calculations.

Maintenance, depreciation, and fuel costs are important factors as well, but differences in insurance premiums among similar vehicles can cost drivers hundreds of dollars a year, and thousands of dollars over the life of the vehicle.

Drivers of the Subaru Legacy typically pay about $1,650 annually, or $138 per month for car insurance, but these rates can vary dramatically based on the driver’s personal characteristics.

Age, marital status, gender and driving record all affect a person’s car insurance rates, so it’s important to compare car insurance companies to get a fair estimate of car insurance premiums based on your individual risk profile.

Use our FREE quote tool to compare insurance rates today!

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