Estimates, not quotes

Tesla Model 3 vs Subaru Legacy Insurance Cost

The Subaru Legacy is cheaper to insure by about $340 a year for full coverage by our estimate ($1,670 vs. $1,330), and cheaper in 51 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

CoverageTesla Model 3Subaru LegacyDifference
State minimum$590$535+$55
Standard (100/300/100)$855$775+$80
Full coverage$1,670$1,330+$340

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Model 3 minus Legacy.

Why one costs more to insure

FactorTesla Model 3Subaru Legacy
SegmentMidsize carMidsize car
PowertrainsElectricGasoline
HLDI collision (100 = avg)13379
HLDI comprehensive8796
HLDI property damage liability9882
HLDI bodily injury liability9176
NHTSA overall rating5★5★
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)42

Collision losses are the biggest swing factor: the Tesla Model 3 has 54 points higher relative collision losses, meaning its crash repairs cost insurers more on average.

Model 3 vs Legacy insurance by state

StateModel 3LegacyDifference
Alabama$1,470$1,155+$315
Alaska$1,480$1,155+$325
Arizona$1,735$1,400+$335
Arkansas$1,490$1,170+$320
California$1,690$1,280+$410
Colorado$1,860$1,530+$330
Connecticut$1,770$1,410+$360
Delaware$1,830$1,490+$340
District of Columbia$2,135$1,660+$475
Florida$2,320$1,910+$410
Georgia$2,035$1,650+$385
Hawaii$1,185$900+$285
Idaho$1,135$900+$235
Illinois$1,460$1,150+$310
Indiana$1,195$940+$255
Iowa$1,135$910+$225
Kansas$1,325$1,075+$250
Kentucky$1,395$1,120+$275
Louisiana$2,290$1,845+$445
Maine$1,080$840+$240
Maryland$1,870$1,490+$380
Massachusetts$1,665$1,295+$370
Michigan$1,840$1,440+$400
Minnesota$1,385$1,120+$265
Mississippi$1,595$1,275+$320
Missouri$1,510$1,215+$295
Montana$1,325$1,075+$250
Nebraska$1,330$1,075+$255
Nevada$1,880$1,530+$350
New Hampshire$1,210$940+$270
New Jersey$1,990$1,600+$390
New Mexico$1,500$1,195+$305
New York$2,215$1,785+$430
North Carolina$1,280$980+$300
North Dakota$1,075$860+$215
Ohio$1,205$945+$260
Oklahoma$1,505$1,205+$300
Oregon$1,480$1,195+$285
Pennsylvania$1,480$1,155+$325
Rhode Island$2,010$1,600+$410
South Carolina$1,750$1,430+$320
South Dakota$1,260$1,040+$220
Tennessee$1,405$1,100+$305
Texas$1,970$1,585+$385
Utah$1,500$1,205+$295
Vermont$1,115$855+$260
Virginia$1,440$1,140+$300
Washington$1,445$1,155+$290
West Virginia$1,400$1,115+$285
Wisconsin$1,140$915+$225
Wyoming$1,295$1,055+$240

By driver profile (full coverage)

DriverModel 3Legacy
Teen driver (18, own policy)$4,595$3,655
Young adult (22)$2,675$2,125
Adult in their 30s$1,670$1,330
Adult in their 50s$1,535$1,220
Senior (72)$1,870$1,490
30s, one at-fault accident$2,425$1,925
30s, DUI on record$3,090$2,460

More comparisons

Frequently asked questions

Is the Tesla Model 3 or the Subaru Legacy cheaper to insure?

By our estimate the Subaru Legacy is cheaper, by about $340 a year for full coverage ($1,670 vs. $1,330) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Tesla Model 3 and Subaru Legacy?

Mostly because of insurance-loss history: HLDI collision indices of 133 vs. 79 and comprehensive indices of 87 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