Subaru Ascent Insurance Rates

The average auto insurance rates for a Subaru Ascent are $1,688 annually with full coverage. Comprehensive insurance costs an estimated $250 a year, collision insurance costs $524, and liability coverage costs $676. Buying just liability costs as little as $754 a year, and insurance for high-risk drivers costs $3,686 or more. Teens cost the most to insure at up to $6,748 a year.

Average premium for full coverage: $1,688

Policy rates broken down by type of insurance:

Prices include $500 deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and Ascent trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. More rural locations are shown to have fewer collision claims than cities with more traffic congestion. The diagram below illustrates the difference location can make on insurance prices.

The examples above demonstrate why it is important to compare rates for a targeted area and their own personal driving habits, rather than using averaged prices.

Use the form below to get customized rates for your location.

Additional Rate Analysis

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

• The cheapest rate after discounts is $988
• Drivers who choose higher $1,000 deductibles will pay approximately $1,512 annually
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,688
• Selecting low $100 deductibles for comprehensive and collision insurance costs an additional $344 each year
• High-risk insureds with serious driving violations could pay up to $3,686
• Policy cost with full coverage for a teenage driver can cost as much as $6,748 a year

View Chart as Image

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

Older drivers with a clean driving record and high physical damage deductibles may only pay around $1,600 per year on average, or $133 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay at least $6,700 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out $2,000 to $2,900 extra every year, depending on your age. A high-risk auto insurance policy can cost around 43% to 131% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $520 a year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $609 more per year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Subaru Ascent insurance rates. A 40-year-old driver could pay as low as $1,210 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,280 on average in New York, Michigan, and Florida.

View Chart as Image

How to Buy the Right Subaru Ascent Insurance

Finding cheaper rates on auto insurance not only requires not taking risks behind the wheel, but also having a good credit history, not filing small claims, and deciding if full coverage is necessary. Make time to compare rates every year by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following is a quick rundown of the coverage data touched on in this article.

• You may be able to save approximately $200 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $525 each year
• Teens are charged the highest rates, as much as $562 each month including comprehensive and collision insurance
• Drivers with reckless driving or DUI convictions pay on average $2,000 more annually for Ascent insurance