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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U.S. average auto insurance rates for a Subaru Ascent are $1,726 annually including full coverage. Comprehensive costs an estimated $260 each year, collision costs $564, and liability coverage costs $664. A policy with just liability insurance costs as little as $744 a year, with coverage for high-risk drivers costing around $3,772. 16-year-old drivers pay the highest rates at $6,860 a year or more.
Average premium for full coverage: $1,726
Price estimates broken down by individual coverage:
These estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and Ascent models.
Price Range from Low to High
For an average driver, Subaru Ascent insurance prices go from as cheap as $744 for the bare minimum liability coverage to a high rate of $3,772 for a driver that may need high-risk insurance.
Geographic Price Range
Your location has a large influence on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than congested cities.
The graphic below illustrates the effect of geographic area on insurance prices.
The ranges above highlight why all drivers should compare rates for a targeted area and their own personal driving habits, rather than using rate 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 Rate Information
The chart below breaks down estimated Subaru Ascent insurance rates for other coverage scenarios.
- The best full coverage rate is $1,006
- Drivers who choose higher $1,000 deductibles will pay approximately $186 every year
- The estimated rate for the average middle-age driver who has $500 deductibles is $1,726
- Buying low deductibles for comprehensive and collision insurance will cost $2,094
- High-risk insureds with multiple tickets or accidents could pay up to $3,772 or more
- The price with full coverage for a teenage driver can cost as much as $6,860 a year
Insurance prices for a Subaru Ascent are also quite variable based on the trim level and model year, your driving characteristics, and liability limits and deductibles.
More mature drivers with a clean driving record and high physical damage deductibles may only pay around $1,600 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay at least $6,800 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are likely paying $2,100 to $2,900 extra each year, depending on your age. Insurance for high-risk drivers can cost around 42% to 135% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $560 a year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $597 more per year. View Rates by Deductible or Liability Limit
The state you live in makes a big difference in Subaru Ascent insurance rates. A 40-year-old driver could pay as low as $1,320 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,460 on average in Louisiana, New York, and Michigan.
| 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% |
Since prices can be so different, the best way to figure out which car insurance is cheapest is to do a rate comparison and see how they stack up. Every company utilizes a different rate formula, so the prices may be quite different between companies.
| 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 Buy Cheap Subaru Ascent Insurance
Getting lower rates on auto insurance not only requires having a decent driving record, but also having a good credit history, being claim-free, and taking advantage of discounts. Take the time to compare rates once a year by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The following items are a brief summary of the data that was covered in the above illustrations.
- You may be able to save approximately $200 per year simply by quoting online in advance
- Consumers who want additional liability coverage will pay around $730 per year to go from a low limit to higher 250/500 limits
- 16 to 18-year-old drivers are charged the highest prices, possibly costing $572 a month including comprehensive and collision insurance
- Drivers that tend to have accidents or serious violations could be forced to pay on average $2,050 more annually than a driver with a clean driving record
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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