Subaru Ascent Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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Estimated insurance prices for a Subaru Ascent are $1,726 every 12 months for full coverage. Comprehensive insurance costs on average $260 a year, collision insurance costs $564, and liability insurance is $664. A liability-only policy costs around $744 a year, and high-risk insurance costs $3,772 or more. Teenage drivers pay the most at up to $6,860 a year.
Average premium for full coverage: $1,726
Premium estimates by type of coverage:
Prices include $500 deductible amounts, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Rates include averaging for all states and Ascent trim levels.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Subaru Ascent range from the cheapest price of $744 for just liability coverage to a high of $3,772 for a policy for a high-risk driver.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on car insurance rates. Rural areas are statistically proven to have more infrequent accident claims than densely populated cities. The diagram below illustrates how location helps determine car insurance rates.
These rate differences show why it is important to compare rates quotes based on a specific location and their own driving history, rather than relying on average rates.
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.
Detailed Rate Analysis
The chart below shows average Subaru Ascent insurance rates for different risk profiles and scenarios.
- The best discount rate is $1,006
- Raising to $1,000 deductibles will save around $1,540 a year
- The average price for a 40-year-old good driver with $500 deductibles is $1,726
- Using low $100 deductibles costs an extra $368 a year
- Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,772
- An auto insurance policy to insure a teen driver may cost $6,860
Auto insurance prices for a Subaru Ascent also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level of your Ascent.
Using high physical damage deductibles can reduce prices by up to $560 each year, while buying higher liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost up to $597 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles could pay as little as $1,600 every 12 months on average, or $133 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay upwards of $6,800 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying at a minimum $2,100 to $2,900 in extra premium annually, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 42% to 135% more than a normal policy. View High Risk Driver Rates
Where you choose to live also has a big influence on Subaru Ascent insurance rates. A middle-age driver might find prices as low as $1,140 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,460 on average in Michigan, Louisiana, and New York.
| 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% |
| 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 Shop for the Right Subaru Ascent Insurance
Finding better rates on Subaru Ascent insurance consists of having a good driving record, having a good credit score, not filing small claims, and deciding if full coverage is necessary. Invest time comparing rates every year by quoting rates from direct carriers, and also from local independent and exclusive agents.
The next list is a quick rundown of the coverage data covered in the charts and tables above.
- Drivers can save as much as $200 per year just by quoting early and online
- Increasing policy deductibles could save as much as $550 each year
- Drivers age 20 and younger are charged the highest prices, as much as $572 per month if comprehensive and collision insurance is included
- High-risk drivers with reckless driving or DUI convictions pay an average of $2,050 more each year to buy Subaru Ascent insurance
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $2,094 |
| $250 | $1,920 |
| $500 | $1,726 |
| $1,000 | $1,540 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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