Estimates, not quotes

Subaru Legacy Insurance Cost in Alaska

Insuring a Subaru Legacy in Alaska costs about $1,155 a year ($96/month) for full coverage by our estimate — −13% versus the same car nationally — the 24th cheapest of 51 states for this model.

Subaru Legacy (photo from Wikimedia Commons)
Photo: Kevauto, CC BY-SA 4.0
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

Subaru Legacy insurance in Alaska at a glance

Full coverage
$1,155
$950–$1,365
50/100/25 minimum
$545
$45/mo
Same car nationally
$1,330
full coverage
Avg. car in AK
$1,390
−17% for the Legacy

The Subaru Legacy is 17% cheaper than the average vehicle to insure in Alaska, reflecting HLDI collision losses of 79 and comprehensive losses of 96 (100 = average). Alaska's own base rates are 13% lower than the national average, which carries through to every model.

Alaska factors that affect Legacy premiums

  • Uninsured drivers: 12.5% of Alaska drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your Legacy.
  • Theft: 279 vehicle thefts per 100,000 residents (U.S. 197).
  • Weather: FEMA rates Alaska's expected annual losses as very low for hail, very low for tornado, not rated for hurricane, very low for inland (river) flooding, very low for strong wind — hail, wind and flood claims fall under comprehensive.
  • Crash risk: 1.27 traffic deaths per 100 million miles (U.S. 1.19).
  • Fault system: At-fault (tort).

Car insurance rules and costs in Alaska →

Subaru Legacy insurance cost in Alaska cities

CityFull coverageMinimumvs. state
Anchorage$1,300$610+13%
Fairbanks$1,380$650+19%
Juneau$1,085$510−6%
Wasilla$1,565$735+35%
Sitka$985$465−15%
Ketchikan$1,385$650+20%
Kenai$1,300$610+13%
Palmer$1,565$735+35%

Subaru Legacy insurance in Alaska by driver

Estimated annual Subaru Legacy premium in Alaska
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $1,495 $1,805 $3,180 $265
Young adult (22) $870 $1,050 $1,850 $154
Adult in their 30s $545 $655 $1,155 $96
Adult in their 50s $500 $605 $1,065 $89
Senior (72) $610 $735 $1,295 $108
30s, one at-fault accident $785 $950 $1,675 $140
30s, DUI on record $1,005 $1,215 $2,140 $178

Coverage levels

Estimated premium by coverage level (driver in their 30s, clean record)
Coverage levelWhat it includesPer yearPer monthTypical range
State minimum liability Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. $545 $45 $445–$640
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $655 $55 $540–$775
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $1,155 $96 $950–$1,365

Alaska minimum: 50/100/25 liability coverage. Lenders require collision and comprehensive on financed or leased cars.

Rivals in Alaska

ModelFull coverage in AKvs. Legacy
Tesla Model 3$1,480+28%
Ford Fusion$1,375+19%
Chrysler 200$1,375+19%
Toyota Camry$1,555+35%

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Subaru Legacy insurance cost in every state · All Subaru models

Frequently asked questions

How much is Subaru Legacy insurance in Alaska?

About $1,155 a year ($96 a month) for full coverage and $545 for Alaska's minimum liability, for a driver in their 30s with a clean record. That is 13% less than the national estimate for the same car.

Is the Subaru Legacy cheaper to insure than the average car in Alaska?

The average vehicle in Alaska is about $1,390 a year for full coverage in our model, so the Subaru Legacy is 17% cheaper than average.

Where in Alaska is Subaru Legacy insurance cheapest?

Among the largest Alaska cities, Sitka has the lowest estimate (about $985) and Palmer the highest (about $1,565).

What insurance do I need for a Subaru Legacy in Alaska?

Alaska requires at least 50/100/25 liability coverage. If the car is financed or leased, the lender will also require collision and comprehensive.

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