Subaru Ascent Insurance Rates

The average insurance rates for a Subaru Ascent are $1,688 a year for full coverage. Comprehensive costs an estimated $250 a year, collision insurance costs $524, and liability costs around $676. Liability-only insurance costs as low as $754 a year, and high-risk driver insurance costs around $3,686. Teenage drivers cost the most to insure at up to $6,748 a year.

Average premium for full coverage: $1,688

Policy rates broken down by type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all states and Ascent trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on insurance rates. More rural locations are shown to have lower incidents of accident claims than densely populated cities. The diagram below illustrates how geographic area affects insurance prices.

The examples above show why it is important to compare prices for a targeted area, instead of using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $988
• Using higher $1,000 deductibles will save approximately $1,512 a year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,688
• Using low $100 deductibles for physical damage coverage bumps up the cost to $2,032
• Drivers who are prone to accidents and violations could pay up to $3,686
• Policy cost that insures a teen driver can cost as much as $6,748 or more

View Chart as Image

Auto insurance rates for a Subaru Ascent also range considerably based on the trim level of your Ascent, how you drive, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you could be paying $2,000 to $2,900 in extra premium every year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 131% more than a normal policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,600 a year, or $133 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay at least $6,700 a year. View Rates by Age

Your home state has a huge impact on Subaru Ascent insurance prices. A driver around age 40 might see rates as low as $1,110 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,410 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $520 every year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $609 extra every year. View Rates by Deductible or Liability Limit

How to Find More Affordable Subaru Ascent Insurance

Finding cheaper rates on car insurance requires avoiding accidents and violations, maintaining a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Compare prices at every other renewal by getting quotes from direct carriers, and also from your local independent and exclusive agents.

The list below is a summary of the concepts that were presented in the illustrations above.

• Higher risk drivers who have multiple accidents or major violations may pay on average $2,000 more annually for car insurance
• Teenagers are the costliest to insure, costing up to $562 each month if the policy includes full coverage
• Drivers can save approximately $200 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $525 each year
• Drivers can save approximately $200 per year just by quoting early and online