Subaru Ascent Insurance Rates
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Michelle Robbins
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UPDATED: Mar 28, 2024
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The average insurance rates for a Subaru Ascent are $1,688 a year with full coverage. Comprehensive costs around $250 each year, collision insurance costs $524, and liability insurance is $676. Buying just liability costs around $754 a year, and insurance for high-risk drivers costs around $3,686. Teen drivers cost the most to insure at up to $6,748 a year.
Average premium for full coverage: $1,688
Policy rates for type of insurance:
Prices are based on $500 deductible amounts, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and Ascent models.
Price Range Variability
For a driver in their 40's, Subaru Ascent insurance rates range from as low as $754 for just liability coverage to a high rate of $3,686 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than larger metro areas. The graphic below illustrates how location helps determine auto insurance rates.
The examples above demonstrate why all drivers should compare rates quotes for a specific zip code and risk profile, 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.
Detailed Rate Analysis
The chart below details average Subaru Ascent insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $988
- Raising to $1,000 deductibles will save about $176 annually
- The average rate for a good driver age 40 using $500 deductibles is $1,688
- Choosing low deductibles will increase the cost to $2,032
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,686
- Policy cost for full coverage for a teen driver can be $6,748
Insurance rates for a Subaru Ascent also range considerably based on your risk profile, the trim level and model year, and deductibles and policy limits.
More mature drivers with a clean driving record and high deductibles could pay as little as $1,600 every 12 months on average, or $133 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay as much as $6,700 a year. View Rates by Age
Your home state also has a big influence on Subaru Ascent insurance rates. A middle-age driver might find rates 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.
| 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% |
Choosing high deductibles can reduce rates by up to $520 each year, whereas increasing liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $609 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $2,000 to $2,900 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 131% more than average. View High Risk Driver Rates
| 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 Find Affordable Subaru Ascent Insurance
Finding cheaper rates on Subaru Ascent insurance consists of having a good driving record, maintaining good credit, not filing small claims, and dropping full coverage on older vehicles. Invest time comparing rates every other policy renewal by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The next list is a brief review of the ideas that were covered in the charts and tables above.
- Drivers age 20 and younger pay higher rates, as much as $562 each month for full coverage
- High-risk drivers with DUI or reckless driving convictions pay an average of $2,000 more every year to buy Subaru Ascent insurance
- Increasing comprehensive and collision deductibles can save around $525 each year
- You may be able to save up to $200 per year just by quoting online in advance
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $2,032 |
| $250 | $1,870 |
| $500 | $1,688 |
| $1,000 | $1,512 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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