Ford Fusion vs Subaru Legacy Insurance Cost

The Subaru Legacy is cheaper to insure by about $25 a year for full coverage by our estimate ($1,355 vs. $1,330), and cheaper in 33 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	Ford Fusion	Subaru Legacy	Difference
State minimum	$605	$535	+$70
Standard (100/300/100)	$880	$775	+$105
Full coverage	$1,355	$1,330	+$25

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

Why one costs more to insure

Factor	Ford Fusion	Subaru Legacy
Segment	Midsize car	Midsize car
Powertrains	Gasoline, Hybrid, Plug-in hybrid, 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)	6	2

Fusion vs Legacy insurance by state

State	Fusion	Legacy	Difference
Alabama	$1,155	$1,155	—
Alaska	$1,175	$1,155	+$20
Arizona	$1,425	$1,400	+$25
Arkansas	$1,155	$1,170	−$15
California	$1,305	$1,280	+$25
Colorado	$1,520	$1,530	−$10
Connecticut	$1,465	$1,410	+$55
Delaware	$1,560	$1,490	+$70
District of Columbia	$1,690	$1,660	+$30
Florida	$2,020	$1,910	+$110
Georgia	$1,725	$1,650	+$75
Hawaii	$915	$900	+$15
Idaho	$910	$900	+$10
Illinois	$1,160	$1,150	+$10
Indiana	$950	$940	+$10
Iowa	$880	$910	−$30
Kansas	$1,045	$1,075	−$30
Kentucky	$1,145	$1,120	+$25
Louisiana	$1,885	$1,845	+$40
Maine	$845	$840	+$5
Maryland	$1,535	$1,490	+$45
Massachusetts	$1,325	$1,295	+$30
Michigan	$1,460	$1,440	+$20
Minnesota	$1,105	$1,120	−$15
Mississippi	$1,270	$1,275	−$5
Missouri	$1,210	$1,215	−$5
Montana	$1,040	$1,075	−$35
Nebraska	$1,045	$1,075	−$30
Nevada	$1,620	$1,530	+$90
New Hampshire	$950	$940	+$10
New Jersey	$1,680	$1,600	+$80
New Mexico	$1,200	$1,195	+$5
New York	$1,860	$1,785	+$75
North Carolina	$975	$980	−$5
North Dakota	$815	$860	−$45
Ohio	$950	$945	+$5
Oklahoma	$1,185	$1,205	−$20
Oregon	$1,245	$1,195	+$50
Pennsylvania	$1,155	$1,155	—
Rhode Island	$1,665	$1,600	+$65
South Carolina	$1,480	$1,430	+$50
South Dakota	$970	$1,040	−$70
Tennessee	$1,100	$1,100	—
Texas	$1,575	$1,585	−$10
Utah	$1,255	$1,205	+$50
Vermont	$845	$855	−$10
Virginia	$1,160	$1,140	+$20
Washington	$1,200	$1,155	+$45
West Virginia	$1,095	$1,115	−$20
Wisconsin	$905	$915	−$10
Wyoming	$990	$1,055	−$65

By driver profile (full coverage)

Driver	Fusion	Legacy
Teen driver (18, own policy)	$3,720	$3,655
Young adult (22)	$2,165	$2,125
Adult in their 30s	$1,355	$1,330
Adult in their 50s	$1,245	$1,220
Senior (72)	$1,515	$1,490
30s, one at-fault accident	$1,960	$1,925
30s, DUI on record	$2,505	$2,460

More comparisons

Frequently asked questions

Is the Ford Fusion or the Subaru Legacy cheaper to insure?

By our estimate the Subaru Legacy is cheaper, by about $25 a year for full coverage ($1,355 vs. $1,330) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Ford Fusion 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