Subaru Legacy Car Insurance

Get a personalized quote and see how coverage choices could affect your price.

Insurance for a Subaru Legacy can vary based on your location, driving history, model year, and the coverages and deductibles you choose. Start a quote to see your price, then adjust options—like limits and deductibles—to compare what fits your budget.

*Rates vary by driver, vehicle, and location. Coverage options, discounts, and availability vary by state and situation.

What Affects Your Subaru Legacy Insurance Cost?

Several factors influence your premium. Understanding these can help you make smarter coverage decisions and potentially save money.

5 Star
Safety rating
30 MPG
Combined

Vehicle Safety Summary

The 2025 Subaru Legacy earns a 5-star overall safety rating, giving you strong peace of mind for everyday driving. Key advanced safety features include Electronic Stability Control, which helps you maintain control during sudden maneuvers or slick conditions and Lane Departure Warning, which alerts you if you start to drift from your lane. For rollover protection, the Legacy also posts a 5-star rollover rating with a 10.1% rollover risk, which supports its solid stability profile on the road.

Fuel Economy and Ownership Cost

Combined MPG

30

27 City / 35 Highway

Est. Annual Fuel Cost

$1,400

Based on 15k miles per year

Note

The 2025 Subaru Legacy gets an EPA-estimated 27 mpg city, 35 mpg highway and 30 mpg combined, which works out to about $1,400 in annual fuel costs. It comes with 2.5L 4-cyl or 2.4L 4-cyl Turbo engine options, All-Wheel Drive, and a fuel economy rating of 6, and it runs on Regular Gasoline, which can help keep fuel costs lower compared to premium fuel. Keep in mind fuel efficiency is only one part of ownership costs, so insurance, maintenance, and depreciation can also affect your budget, and your actual mileage will vary based on driving conditions and habits.

Compare 2025 Subaru Legacy Trims

Choosing between 2025 Legacy configurations? Compare trim levels to find the best fit for your needs and budget.

Trim Drivetrain Engine Combined MPG Est. Annual Fuel Cost
AWD All-Wheel Drive 2.5L 4-cyl 30 $1,400
AWD All-Wheel Drive 2.4L 4-cyl Turbo 26 $1,600

Standard Safety Features

The 2025 Subaru Legacy comes equipped with advanced safety technology designed to protect you and your passengers. These features may also qualify you for insurance discounts.

Electronic Stability Control STANDARD
Lane Departure Warning STANDARD

Insurance Tip: Many insurers offer discounts for vehicles equipped with advanced safety features. Ask your agent about available safety equipment discounts when getting your quote.

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Why Choose GEICO?

Get a quote for your Subaru Legacy and compare options in minutes—then adjust coverage choices to see what could work for your budget.

Easy online quote

See a personalized price and compare coverages quickly - no guesswork required.

Flexible coverage choices

Adjust limits and deductibles to explore different price points.

Claims support

If something happens, you can start a claim and track updates through available tools.

Discounts (if eligible)

You may qualify for discounts depending on your state and situation.

Manage your policy online

Access ID cards, documents, and policy details when it's convenient.

Bundle options

Bundling may be available and can be a convenient way to manage policies.

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*Discounts and eligibility vary by state and situation.

Coverage options for your Subaru Legacy

There's no one-size-fits-all policy. A quote helps you compare coverages and choose limits and deductibles that match your comfort level and budget.

Coverage Details

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Liability Coverage

REQUIRED IN MOST STATES

Required by law in most states. Covers damage to others.

Comprehensive Coverage

OPTIONAL

May help cover theft, vandalism, weather damage, or animal damage (deductible typically applies).

Collision Coverage

OPTIONAL

May help cover damage to your vehicle from a crash (deductible typically applies).

Uninsured/Underinsured Motorist Coverage

VARIES BY STATE

May help if you're hit by a driver with little or no insurance.

Personal Injury Protection

VARIES BY STATE

May help with medical expenses after an accident, depending on your state and policy.

*Coverages, limits, deductibles, and availability vary by state and policy.

Please note:

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.

Some discounts, coverages, payment plans, and features are not available in all states or all GEICO companies. Coverage is subject to the terms, limits, and conditions of your policy contract.

Vehicle data accurate as of January 2026

Safety ratings

Safety ratings sourced from the National Highway Traffic Safety Administration (NHTSA) for the vehicle’s model year. Ratings reflect crash test results and available safety features at time of evaluation and may be updated as additional testing is published.

Fuel economy (MPG)

Fuel economy estimates sourced from fueleconomy.gov (U.S. Department of Energy and EPA), based on the model year EPA test data. Actual mileage will vary based on driving conditions, vehicle condition, and driving behavior.

Fuel cost estimates

Estimated annual fuel costs assume 15,000 miles of combined city/highway driving per year and average U.S. fuel prices as of January 2026, sourced from fueleconomy.gov. Actual costs vary by location, driving habits, and current fuel prices. Insurance cost range

Insurance cost ranges are based on GEICO internal aggregated policyholder data for vehicles from Jan 2026 through Feb 2026. Ranges are estimates, not quotes, and do not guarantee coverage availability or price. Your actual premium depends on factors including state, driving history, coverage selections, vehicle use, and applicable discounts.

Answers are general. Coverage availability, terms, and eligibility vary by state and policy.

GEICO can explain coverage options, but can't recommend what you should buy here. For guidance, visit geico.com or talk with a licensed GEICO agent.

Premium estimates are based on internal data and may not reflect your price. Rates vary by driver, vehicle, location, coverages, and deductibles.

Discount availability and eligibility vary by state and underwriting program.