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SUBARU LEGACY Car Insurance

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The Subaru Legacy is a family sedan known for standard all-wheel drive and proven reliability. It appeals to drivers seeking safety and year-round versatility, particularly valued in regions with demanding winter conditions.

SUBARU LEGACY CAR INSURANCE RATES OVER THE LAST 5 YEARS.

From 2021 to 2026, premiums for the Subaru Legacy generally decrease, moving from $1030 to $838, despite minor fluctuations along the way ($928 in 2023, $978 in 2025). This decline suggests a favorable evolution in the model's risk profile.

To find the best insurance for your SUBARU LEGACY vehicle, it is more important than ever to compare the available options.

How much does insurance for your SUBARU LEGACY cost in Quebec?

Premiums are highest in Laval ($1292), Montreal ($1162), and Terrebonne ($1148), while Drummondville ($416), Saint-Jérôme ($571), and Longueuil ($581) show the lowest amounts. The gap between cities is significant, exceeding $800 between the extremes.

To get the exact cost for your situation, the best approach is to compare offers from several insurers. Using our Clicassure comparison tool, you can easily find the best premium tailored to your needs.

City Average price over the last 12 months
BROSSARD $709.59
DRUMMONDVILLE $415.94
GATINEAU $942.65
LAVAL $1292.44
LÉVIS $832.87
LONGUEUIL $581.09
MONTRÉAL $1161.71
QUÉBEC $998.31
Saguenay $799.60
SAINT-JÉRÔME $571.35
SHERBROOKE $881.42
TERREBONNE $1148.02
TROIS-RIVIÈRES $655.79

Frequently asked questions (FAQ)

How much does it cost to insure a Subaru Legacy?
The average premium for a Subaru Legacy varies by year, reaching $838 in 2026 after peaking at $1030 in 2021. This decline reflects an improving risk profile for the model.
Have Legacy premiums decreased over the years?
Yes, overall. Between 2021 and 2026, the average premium dropped from $1030 to $838, despite minor fluctuations such as $978 in 2025.
Which city offers the lowest insurance cost for a Subaru Legacy?
Based on the data provided, Drummondville ($416) and Saint-Jérôme ($571) post the lowest average premiums for this model.
Why is there such a big difference between Laval and Drummondville?
The gap between Laval ($1292) and Drummondville ($416) illustrates how urban density, traffic volume, and claim frequency impact premium calculations.
Is auto insurance mandatory in Quebec?
Yes. In Quebec, civil liability coverage of at least $50,000 is mandatory for any road vehicle driven on public roads.
Does the Legacy's all-wheel drive affect the premium?
All-wheel drive may be viewed favorably by some insurers due to the added safety it provides, but the final premium depends on several combined factors.
How can I lower my premium for a Subaru Legacy?
Comparing quotes from several insurers and considering major regional differences, like those seen between Laval and Drummondville, can help secure a better price.

Offers received by our customers on SUBARU LEGACY cars

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Methodology

To guarantee you the best possible information, the data presented on this page is based on the following rigorous criteria :

  • Analysis period: Our analyses are based solely on insurance submissions collected over the millions of submissions in recent years, thus guaranteeing the relevance of our comparisons.
  • Real-world comparisons: We only use data from insurance submissions that actually resulted in a sale.
  • Proven savings: The results presented only reflect cases where the user has saved money thanks to our comparison tool.
  • Last updated: 07/13/2026