Subaru Ascent Insurance Rates

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UPDATED: Mar 28, 2024

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The average insurance prices for a Subaru Ascent are $1,726 every 12 months including full coverage. Comprehensive insurance costs around $260 a year, collision insurance costs $564, and liability is $664. Liability-only coverage costs around $744 a year, and high-risk coverage costs $3,772 or more. Teens cost the most to insure at up to $6,860 a year.

Average premium for full coverage: $1,726

Policy rates for type of insurance:

Comprehensive $260
Collision $564
Liability $664

These estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Ascent trim levels.

Price Range Variability

Using a 40-year-old driver as an example, Subaru Ascent insurance rates range from the cheapest price of $744 for just liability coverage to a high of $3,772 for coverage for higher-risk drivers.

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

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how rural and urban location affects auto insurance rates.

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

The examples above highlight why it is important to compare rates quotes for a specific zip code and their own driving history, instead of using averaged prices.

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 breaks down average Subaru Ascent insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $1,006
  • Raising to $1,000 deductibles will save about $1,540 every year
  • The average price for a good driver age 40 using $500 deductibles is $1,726
  • Selecting low $100 deductibles costs an extra $368 every year
  • At-risk drivers with serious driving violations could pay at least $3,772
  • Policy cost to insure a teen driver can be $6,860

View Chart as Image

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

Insurance rates for a Subaru Ascent also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $560 every year, while buying higher liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $597 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as little as $1,600 every 12 months on average, or $133 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay as much as $6,800 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at least $2,100 to $2,900 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 42% to 135% more than the average policy. View High Risk Driver Rates

Your home state also has a big influence on Subaru Ascent insurance prices. A middle-age driver might find rates as low as $1,320 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,460 on average in Michigan, New York, and Louisiana.

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
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 Shop for Cheap Subaru Ascent Insurance

Finding cheaper rates on car insurance consists of being a safe and courteous driver, having above-average credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Set aside time to shop around at least once a year by quoting rates from direct car insurance companies, and also from insurance agencies where you live.

Below is a brief summary of the primary concepts that were raised in the charts and tables above.

  • You may be able to save up to $200 per year just by quoting early and online
  • Higher risk drivers that tend to have accidents or serious violations could be forced to pay on average $2,050 more every year for auto insurance
  • Increasing comprehensive and collision deductibles could save as much as $550 each year
  • Teenage drivers are charged the highest rates, with premiums being up to $572 each month if full coverage is included

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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