Subaru Ascent Insurance Rates

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Compare 2019 Subaru Ascent Insurance Cost in 2025

Searching for better auto insurance rates for your Subaru Ascent? Overpriced auto insurance can dwindle your bank account and make it hard to pay other bills. Performing a rate comparison is an excellent way to reduce premiums and put more money in your pocket. Many insurance companies compete for your insurance dollar, so it's not easy to compare every provider to get the lowest rate possible. I...

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UPDATED: Mar 28, 2024

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Estimated insurance rates for a Subaru Ascent are $1,726 a year for full coverage insurance. Comprehensive costs an estimated $260, collision insurance costs $564, and liability insurance costs $664. Liability-only insurance costs as little as $744 a year, and high-risk driver insurance costs around $3,772. Teen drivers pay the most at up to $6,860 a year.

Average premium for full coverage: $1,726

Premium estimates broken down by type of coverage:

Comprehensive $260
Collision $564
Liability $664

These estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and for all Ascent models.

Insurance Price Range by Risk and Coverage

For the normal driver, insurance rates for a Subaru Ascent range from the low end price of $744 for liability-only coverage to the much higher price of $3,772 for a driver who requires high-risk insurance.

Liability Only $744
Full Coverage $1,726
High Risk $3,772

Insurance Price Range by Location

Your location has a significant impact on the price of insurance. More rural locations are statistically proven to have lower incidents of physical damage claims than larger metro areas. The example below illustrates how geographic area affects insurance prices.

Rural Areas $1,295
Small Cities $1,812
Large Cities $2,330

These rate differences illustrate why everyone should compare rates for a targeted area, rather than relying on price averages.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Charts and Tables

The chart below illustrates average Subaru Ascent insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $1,006
  • Drivers who choose higher $1,000 deductibles will pay approximately $186 each year
  • The estimated price for a 40-year-old good driver who has $500 deductibles is $1,726
  • Choosing pricier low deductibles for comprehensive and collision insurance bumps up the cost to $2,094
  • High risk drivers with multiple violations and an at-fault accident could pay up to $3,772
  • An auto insurance policy that insures a teen driver for full coverage can cost as much as $6,860 a year

View Chart as Image

Subaru Ascent insurance cost comparison chart
Column chart showing Subaru Ascent insurance rates range from $1,006 to $6,860 for full coverage

Insurance prices for a Subaru Ascent also have a wide range based on the model of your Ascent, your age and driving record, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are probably paying $2,100 to $2,900 additional annually, depending on your age. Subaru Ascent insurance for high-risk drivers can cost anywhere from 42% to 135% more than average. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,600 per year on average, or $133 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay at least $6,800 a year. View Rates by Age

Where you choose to live makes a big difference in Subaru Ascent insurance rates. A 40-year-old driver could pay as low as $1,130 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $2,330 on average in Florida, New York, and Michigan.

Subaru Ascent Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,560 -$166 -9.6%
Alaska $1,320 -$406 -23.5%
Arizona $1,430 -$296 -17.1%
Arkansas $1,726 -$0 0.0%
California $1,968 $242 14.0%
Colorado $1,650 -$76 -4.4%
Connecticut $1,772 $46 2.7%
Delaware $1,952 $226 13.1%
Florida $2,158 $432 25.0%
Georgia $1,594 -$132 -7.6%
Hawaii $1,238 -$488 -28.3%
Idaho $1,170 -$556 -32.2%
Illinois $1,286 -$440 -25.5%
Indiana $1,302 -$424 -24.6%
Iowa $1,168 -$558 -32.3%
Kansas $1,638 -$88 -5.1%
Kentucky $2,354 $628 36.4%
Louisiana $2,556 $830 48.1%
Maine $1,066 -$660 -38.2%
Maryland $1,424 -$302 -17.5%
Massachusetts $1,380 -$346 -20.0%
Michigan $2,994 $1,268 73.5%
Minnesota $1,446 -$280 -16.2%
Mississippi $2,064 $338 19.6%
Missouri $1,534 -$192 -11.1%
Montana $1,854 $128 7.4%
Nebraska $1,358 -$368 -21.3%
Nevada $2,068 $342 19.8%
New Hampshire $1,240 -$486 -28.2%
New Jersey $1,928 $202 11.7%
New Mexico $1,530 -$196 -11.4%
New York $1,816 $90 5.2%
North Carolina $996 -$730 -42.3%
North Dakota $1,412 -$314 -18.2%
Ohio $1,190 -$536 -31.1%
Oklahoma $1,770 $44 2.5%
Oregon $1,582 -$144 -8.3%
Pennsylvania $1,646 -$80 -4.6%
Rhode Island $2,302 $576 33.4%
South Carolina $1,564 -$162 -9.4%
South Dakota $1,456 -$270 -15.6%
Tennessee $1,508 -$218 -12.6%
Texas $2,078 $352 20.4%
Utah $1,278 -$448 -26.0%
Vermont $1,182 -$544 -31.5%
Virginia $1,034 -$692 -40.1%
Washington $1,332 -$394 -22.8%
West Virginia $1,582 -$144 -8.3%
Wisconsin $1,196 -$530 -30.7%
Wyoming $1,534 -$192 -11.1%

View Chart as Image

Subaru Ascent insurance rates by U.S. city

Choosing high deductibles could save up to $560 each year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $597 more each year. View Rates by Deductible or Liability Limit

Subaru Ascent Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Subaru Ascent $306 $630 $584 $1,758
2023 Subaru Ascent $294 $626 $598 $1,756
2022 Subaru Ascent $284 $610 $624 $1,756
2021 Subaru Ascent $274 $586 $644 $1,742
2020 Subaru Ascent $260 $564 $664 $1,726
2019 Subaru Ascent $250 $524 $676 $1,688

Rates are averaged for all Subaru Ascent models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find Cheap Subaru Ascent Insurance

Finding better rates on Subaru Ascent insurance not only requires having a decent driving record, but also having a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Shop around at every other renewal by requesting quotes from direct insurance companies, and also from local insurance agencies.

The following items are a brief summary of the concepts that were presented in the illustrations above.

  • High-risk drivers that tend to have accidents or serious violations may have to pay on average $2,050 more annually than a driver with a clean driving record
  • 16 to 18-year-old drivers are expensive to insure, with premiums being up to $572 per month if comprehensive and collision insurance is included
  • It is possible to save approximately $200 per year just by quoting online well ahead of the renewal date
  • Increasing policy deductibles can save approximately $550 each year
  • It is possible to save approximately $200 per year just by quoting online well ahead of the renewal date

Rates by Driver Age

Subaru Ascent Insurance Rates by Driver Age
Driver Age Premium
16 $6,860
20 $4,046
30 $1,774
40 $1,726
50 $1,584
60 $1,556

Full coverage, $500 deductibles

Rates by Deductible

Subaru Ascent Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,094
$250 $1,920
$500 $1,726
$1,000 $1,540

Full coverage, driver age 40

Rates by Liability Limit

Subaru Ascent Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,726
50/100 $1,859
100/300 $2,025
250/500 $2,456
100 CSL $1,925
300 CSL $2,290
500 CSL $2,556

Full coverage, driver age 40

Rates for High Risk Drivers

Subaru Ascent Insurance Rates for High Risk Drivers
Age Premium
16 $9,728
20 $6,456
30 $3,822
40 $3,772
50 $3,610
60 $3,576

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $246

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $89
Multi-vehicle $95
Homeowner $28
5-yr Accident Free $121
5-yr Claim Free $111
Paid in Full/EFT $73
Advance Quote $84
Online Quote $119
Total Discounts $720
Rate after discounts $1,006

Discounts are estimated and may not be available from every company or in every state.

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