Subaru Ascent Insurance Rates

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UPDATED: Mar 28, 2024

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U.S. average insurance prices for a Subaru Ascent are $1,688 every 12 months with full coverage. Comprehensive insurance costs around $250, collision costs $524, and liability costs $676. A policy with just liability insurance costs as little as $754 a year, with coverage for high-risk drivers costing $3,686 or more. Teen drivers pay the highest rates at $6,748 a year or more.

Average premium for full coverage: $1,688

Price estimates for individual coverage:

Comprehensive $250
Collision $524
Liability $676

Rates are based on $500 deductible amounts, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and for different Ascent trim levels.

Price Range from Low to High

Using a 40-year-old driver as an example, Subaru Ascent insurance prices go from the cheapest price of $754 for just the minimum liability insurance to a much higher rate of $3,686 for a driver required to buy high-risk insurance.

Liability Only $754
Full Coverage $1,688
High Risk $3,686

Geographic Price Range

Your location can have significant affects on insurance rates. Areas with sparse population have more infrequent collision claims than larger metro areas.

The price range example below illustrates how rural and urban location affects auto insurance rates.

Rural Areas $1,266
Small Cities $1,772
Large Cities $2,279

The ranges above demonstrate why anyone shopping for car insurance should compare rates for a specific zip code and their own driving history, instead of using 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.

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Additional Rate Analysis

The chart below details estimated Subaru Ascent insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $988
  • Drivers who choose higher $1,000 deductibles will pay about $176 annually
  • The average price for the average middle-age driver using $500 deductibles is $1,688
  • Choosing more expensive low deductibles for comprehensive and collision insurance costs an extra $344 every year
  • Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,686 or more
  • The price to insure a teen driver with full coverage can be $6,748 a year

View Chart as Image

Subaru Ascent insurance cost comparison chart
Column chart showing full coverage Subaru Ascent insurance prices range from $988 to $6,748

Insurance prices for a Subaru Ascent are also quite variable based on deductibles and policy limits, your driving record, and the trim level and model year.

Choosing high deductibles could save up to $520 every year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $609 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may pay as little as $1,600 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay as much as $6,700 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out at least $2,000 to $2,900 extra each year, depending on your age. High-risk driver insurance can cost as much as 43% to 131% more than average. View High Risk Driver Rates

The state you live in makes a big difference in Subaru Ascent insurance prices. A 40-year-old driver could pay as low as $1,210 a year in states like New Hampshire, Ohio, and Utah, or as much as $2,280 on average in Florida, Michigan, and New York.

Subaru Ascent Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,528 -$160 -9.5%
Alaska $1,294 -$394 -23.3%
Arizona $1,398 -$290 -17.2%
Arkansas $1,688 -$0 0.0%
California $1,926 $238 14.1%
Colorado $1,612 -$76 -4.5%
Connecticut $1,734 $46 2.7%
Delaware $1,910 $222 13.2%
Florida $2,110 $422 25.0%
Georgia $1,560 -$128 -7.6%
Hawaii $1,210 -$478 -28.3%
Idaho $1,142 -$546 -32.3%
Illinois $1,258 -$430 -25.5%
Indiana $1,274 -$414 -24.5%
Iowa $1,142 -$546 -32.3%
Kansas $1,602 -$86 -5.1%
Kentucky $2,302 $614 36.4%
Louisiana $2,502 $814 48.2%
Maine $1,044 -$644 -38.2%
Maryland $1,392 -$296 -17.5%
Massachusetts $1,348 -$340 -20.1%
Michigan $2,930 $1,242 73.6%
Minnesota $1,412 -$276 -16.4%
Mississippi $2,020 $332 19.7%
Missouri $1,500 -$188 -11.1%
Montana $1,816 $128 7.6%
Nebraska $1,330 -$358 -21.2%
Nevada $2,022 $334 19.8%
New Hampshire $1,216 -$472 -28.0%
New Jersey $1,886 $198 11.7%
New Mexico $1,496 -$192 -11.4%
New York $1,778 $90 5.3%
North Carolina $974 -$714 -42.3%
North Dakota $1,380 -$308 -18.2%
Ohio $1,166 -$522 -30.9%
Oklahoma $1,732 $44 2.6%
Oregon $1,546 -$142 -8.4%
Pennsylvania $1,612 -$76 -4.5%
Rhode Island $2,250 $562 33.3%
South Carolina $1,528 -$160 -9.5%
South Dakota $1,426 -$262 -15.5%
Tennessee $1,476 -$212 -12.6%
Texas $2,034 $346 20.5%
Utah $1,248 -$440 -26.1%
Vermont $1,154 -$534 -31.6%
Virginia $1,012 -$676 -40.0%
Washington $1,302 -$386 -22.9%
West Virginia $1,546 -$142 -8.4%
Wisconsin $1,168 -$520 -30.8%
Wyoming $1,502 -$186 -11.0%

View Chart as Image

Subaru Ascent insurance rates by U.S. city

Since prices can be so different, the best way to find out your exact price is to compare prices and see which company has the best price. Every company uses a different rate calculation, so the prices may be quite different.

Subaru Ascent Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Subaru Ascent $294 $626 $598 $1,756
2023 Subaru Ascent $284 $610 $624 $1,756
2022 Subaru Ascent $274 $586 $644 $1,742
2021 Subaru Ascent $260 $564 $664 $1,726
2020 Subaru Ascent $250 $524 $676 $1,688
2019 Subaru Ascent $240 $494 $684 $1,656

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 Shop for the Best Cheap Subaru Ascent Insurance

Getting lower rates on car insurance not only requires having a good driving record, but also having good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Set aside time to shop around at every policy renewal by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The next list is a quick review of the data raised in the charts and tables above.

  • Policyholders who may need increased levels of liability coverage will pay about $740 every year to go from a low limit to a 250/500 level
  • You may be able to save up to $200 per year simply by shopping early and online
  • Increasing physical damage deductibles could save as much as $525 each year
  • Drivers age 20 and younger pay higher prices, costing up to $562 a month if they have full coverage

Rates by Driver Age

Subaru Ascent Insurance Rates by Driver Age
Driver Age Premium
16 $6,748
20 $3,950
30 $1,734
40 $1,688
50 $1,550
60 $1,522

Full coverage, $500 deductibles

Rates by Deductible

Subaru Ascent Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,032
$250 $1,870
$500 $1,688
$1,000 $1,512

Full coverage, driver age 40

Rates by Liability Limit

Subaru Ascent Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,688
50/100 $1,823
100/300 $1,992
250/500 $2,432
100 CSL $1,891
300 CSL $2,263
500 CSL $2,533

Full coverage, driver age 40

Rates for High Risk Drivers

Subaru Ascent Insurance Rates for High Risk Drivers
Age Premium
16 $9,562
20 $6,306
30 $3,732
40 $3,686
50 $3,526
60 $3,494

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 $239

Potential Rate Discounts

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

Discount Savings
Multi-policy $87
Multi-vehicle $93
Homeowner $28
5-yr Accident Free $116
5-yr Claim Free $109
Paid in Full/EFT $70
Advance Quote $81
Online Quote $116
Total Discounts $700
Rate after discounts $988

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

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