Subaru Ascent Insurance Rates

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UPDATED: Mar 28, 2024

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Estimated auto insurance rates for a Subaru Ascent are $1,726 annually with full coverage. Comprehensive costs an estimated $260, collision costs $564, and liability costs $664. A liability-only policy costs as little as $744 a year, with high-risk insurance costing around $3,772. Teen drivers pay the most at $6,860 a year or more.

Average premium for full coverage: $1,726

Premium estimates broken down by type of coverage:

Comprehensive $260
Collision $564
Liability $664

Includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. states and for different Ascent trim levels.

Insurance Price Range by Risk and Coverage

For an average driver, insurance rates for a Subaru Ascent go from as cheap as $744 for minimum levels of liability insurance to a much higher rate of $3,772 for a driver who requires high-risk insurance.

Liability Only $744
Full Coverage $1,726
High Risk $3,772

Insurance Price Range by Location

Your location can have significant affects on car insurance rates. More rural locations are statistically proven to have fewer collision claims than larger metro areas.

The price range example below illustrates the effect of geographic area on insurance prices.

Rural Areas $1,295
Small Cities $1,812
Large Cities $2,330

These rate differences demonstrate why anyone shopping for car insurance should compare rates for a targeted area and their own personal driving habits, 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.

Additional Rate Details

The chart below details estimated Subaru Ascent insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $1,006
  • Drivers who choose higher $1,000 deductibles will pay approximately $186 annually
  • The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,726
  • Choosing more expensive low deductibles for comprehensive and collision insurance will cost $2,094
  • Higher-risk drivers with multiple violations and an at-fault accident could pay up to $3,772 or more
  • An auto insurance policy with full coverage for a teen driver with full coverage can cost as much as $6,860 a year

View Chart as Image

Subaru Ascent insurance cost comparison chart
Column chart showing full coverage Subaru Ascent insurance rates range from $1,006 to $6,860

Auto insurance prices for a Subaru Ascent also have a wide range based on the model of your Ascent, your driving record, and liability limits and deductibles.

An older driver with a good driving record and high physical damage deductibles may pay as little as $1,600 per year on average, or $133 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay at least $6,800 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out $2,100 to $2,900 in extra premium annually, depending on your age. High-risk driver insurance can cost as much as 42% to 135% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $560 every year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $597 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Subaru Ascent insurance prices. A 40-year-old driver could pay as low as $1,240 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,330 on average in New York, Michigan, and Florida.

Subaru Ascent Insurance Rates by State
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%

View Chart as Image

Subaru Ascent insurance rates by U.S. city

With such a large range in prices, the best way to find out which insurance company is cheapest is to compare prices and see which company has the best price. Every company uses a different rate calculation, and quoted prices will be substantially different between companies.

Subaru Ascent Insurance Rates by Model Year
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 the Cheapest Subaru Ascent Insurance

Finding better rates on car insurance not only requires avoiding accidents and violations, but also having above-average credit, being claim-free, and qualifying for all possible discounts. Take the time to compare rates at every other renewal by requesting quotes from direct companies, and also from several local insurance agents.

The list below is a recap of the concepts that were covered in the above illustrations.

  • Higher risk drivers that have major violations or accidents pay on average $2,050 more annually for car insurance
  • Teenagers are the costliest to insure, possibly costing $572 per month if full coverage is included
  • You may be able to save approximately $200 per year simply by shopping early and online
  • Increasing policy deductibles could save up to $550 each year
  • You may be able to save approximately $200 per year simply by shopping early and online

Rates by Driver Age

Subaru Ascent Insurance 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

Subaru Ascent Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,094
$250 $1,920
$500 $1,726
$1,000 $1,540

Full coverage, driver age 40

Rates by Liability Limit

Subaru Ascent Insurance Rates with Different Liability Limits
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

Subaru Ascent Insurance 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.

SR-22 Surcharge $246

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
Rate after discounts $1,006

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

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