Subaru Ascent Insurance Rates
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UPDATED: Mar 28, 2024
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Average auto insurance rates for a Subaru Ascent are $1,726 annually for full coverage. Comprehensive insurance costs approximately $260, collision costs $564, and liability insurance costs around $664. Buying just liability costs as low as $744 a year, with insurance for high-risk drivers costing $3,772 or more. Teen drivers receive the highest rates at $6,860 a year or more.
Average premium for full coverage: $1,726
Rate estimates by individual coverage type:
Price estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and for all Ascent models.
Price Range by Coverage and Risk
For the normal driver, prices range go from as cheap as $744 for just the minimum liability insurance to the much higher price of $3,772 for a driver who has had serious violations or accidents.
Price Range by Location
Where you live has a significant impact on car insurance rates. Rural locations tend to have fewer accident claims than larger metro areas.
The example below illustrates how geographic area affects auto insurance prices.
These examples show why everyone should compare prices using their specific location and their own personal driving habits, 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.
Additional Rate Analysis
The chart below shows estimated Subaru Ascent insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $1,006
- Using higher $1,000 deductibles will save $186 a year
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,726
- Choosing pricier low deductibles for physical damage coverage costs an additional $368 a year
- Drivers with multiple violations and an at-fault accident could pay around $3,772 or more
- The cost with full coverage for a teen driver for full coverage can cost $6,860 or more
Auto insurance rates for a Subaru Ascent can also vary considerably based on the trim level of your Ascent, your driver profile, and physical damage deductibles and liability limits.
A more mature driver with a good driving record and high physical damage deductibles could pay as little as $1,600 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay in the ballpark of $6,800 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying anywhere from $2,100 to $2,900 in extra premium per year, depending on your age. Subaru Ascent insurance for high-risk drivers can be anywhere from 42% to 135% more than average. View High Risk Driver Rates
Choosing high deductibles could cut rates by as much as $560 each year, whereas buying more liability protection will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $597 extra every year. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Subaru Ascent insurance rates. A driver around age 40 might see rates as low as $1,140 a year in states like Iowa, Maine, and Idaho, or as much as $2,460 on average in New York, Louisiana, 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% |
With so much variability in rates, the only way to know who has the cheapest car insurance rates is to regularly compare rates from as many companies as possible. Each insurance company uses a different rate calculation, and quoted rates can be significantly 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 Cheaper Subaru Ascent Insurance
Saving money on Subaru Ascent insurance requires avoiding accidents and claims, having above-average credit, eliminating unneeded coverage, and not having any coverage lapses. Invest the time to compare rates every other policy renewal by getting rate quotes from direct carriers like Progressive and GEICO, and also from several local insurance agents.
The points below are a condensed summary of the ideas that were presented in the illustrations above.
- Drivers under the age of 20 have the highest car insurance rates, costing as high as $572 per month if full coverage is included
- High-risk drivers with multiple at-fault accidents pay on average $2,050 more per year to insure a Subaru Ascent
- Increasing deductibles could save up to $550 each year
- Drivers can save around $200 per year simply by quoting online well ahead of the renewal date
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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