Chrysler 200 vs Subaru Legacy Insurance Cost

The Chrysler 200 is cheaper to insure by about $70 a year for full coverage by our estimate ($1,260 vs. $1,330), and cheaper in 49 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

Coverage	Chrysler 200	Subaru Legacy	Difference
State minimum	$605	$535	+$70
Standard (100/300/100)	$880	$775	+$105
Full coverage	$1,260	$1,330	−$70

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = 200 minus Legacy.

Why one costs more to insure

Factor	Chrysler 200	Subaru Legacy
Segment	Midsize car	Midsize car
Powertrains	Gasoline, Flex-fuel	Gasoline
HLDI collision (100 = avg)	—	79
HLDI comprehensive	—	96
HLDI property damage liability	—	82
HLDI bodily injury liability	—	76
NHTSA overall rating	5★	5★
NICB most-stolen rank	Not in top 10	Not in top 10
Recalls (latest 3 model years)	9	2

200 vs Legacy insurance by state

State	200	Legacy	Difference
Alabama	$1,065	$1,155	−$90
Alaska	$1,090	$1,155	−$65
Arizona	$1,330	$1,400	−$70
Arkansas	$1,055	$1,170	−$115
California	$1,200	$1,280	−$80
Colorado	$1,405	$1,530	−$125
Connecticut	$1,375	$1,410	−$35
Delaware	$1,480	$1,490	−$10
District of Columbia	$1,570	$1,660	−$90
Florida	$1,925	$1,910	+$15
Georgia	$1,630	$1,650	−$20
Hawaii	$845	$900	−$55
Idaho	$845	$900	−$55
Illinois	$1,070	$1,150	−$80
Indiana	$875	$940	−$65
Iowa	$795	$910	−$115
Kansas	$950	$1,075	−$125
Kentucky	$1,065	$1,120	−$55
Louisiana	$1,760	$1,845	−$85
Maine	$780	$840	−$60
Maryland	$1,435	$1,490	−$55
Massachusetts	$1,230	$1,295	−$65
Michigan	$1,355	$1,440	−$85
Minnesota	$1,015	$1,120	−$105
Mississippi	$1,170	$1,275	−$105
Missouri	$1,115	$1,215	−$100
Montana	$945	$1,075	−$130
Nebraska	$955	$1,075	−$120
Nevada	$1,550	$1,530	+$20
New Hampshire	$875	$940	−$65
New Jersey	$1,595	$1,600	−$5
New Mexico	$1,110	$1,195	−$85
New York	$1,755	$1,785	−$30
North Carolina	$885	$980	−$95
North Dakota	$735	$860	−$125
Ohio	$880	$945	−$65
Oklahoma	$1,085	$1,205	−$120
Oregon	$1,180	$1,195	−$15
Pennsylvania	$1,060	$1,155	−$95
Rhode Island	$1,570	$1,600	−$30
South Carolina	$1,395	$1,430	−$35
South Dakota	$870	$1,040	−$170
Tennessee	$1,010	$1,100	−$90
Texas	$1,455	$1,585	−$130
Utah	$1,185	$1,205	−$20
Vermont	$770	$855	−$85
Virginia	$1,080	$1,140	−$60
Washington	$1,130	$1,155	−$25
West Virginia	$1,005	$1,115	−$110
Wisconsin	$830	$915	−$85
Wyoming	$890	$1,055	−$165

By driver profile (full coverage)

Driver	200	Legacy
Teen driver (18, own policy)	$3,465	$3,655
Young adult (22)	$2,015	$2,125
Adult in their 30s	$1,260	$1,330
Adult in their 50s	$1,160	$1,220
Senior (72)	$1,410	$1,490
30s, one at-fault accident	$1,825	$1,925
30s, DUI on record	$2,330	$2,460

More comparisons

Frequently asked questions

Is the Chrysler 200 or the Subaru Legacy cheaper to insure?

By our estimate the Chrysler 200 is cheaper, by about $70 a year for full coverage ($1,260 vs. $1,330) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Chrysler 200 and Subaru Legacy?

Mostly because of insurance-loss history: HLDI collision indices of n/a vs. 79 and comprehensive indices of n/a vs. 96 (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page