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 $1,742 annually with full coverage. Comprehensive insurance costs on average $274, collision insurance costs $586, and liability insurance costs around $644. Liability-only insurance costs as low as $726 a year, and high-risk driver insurance costs $3,800 or more. Teen drivers pay the most at up to $6,868 a year.
Average premium for full coverage: $1,742
Premium estimates by type of coverage:
These estimates include $500 deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and for different Ascent trim levels.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Subaru Ascent range from as cheap as $726 for the bare minimum liability coverage to a much higher rate of $3,800 for a high-risk insurance policy.
Insurance Price Range by Location
Where you live has a significant impact on auto insurance rates. Rural areas are statistically proven to have fewer collision claims than larger metro areas. The price range example below illustrates how your location can change car insurance rates.
These rate differences demonstrate why anyone shopping for car insurance should compare prices based on a 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 Information
The chart below details average Subaru Ascent insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $1,015
- Using higher $1,000 deductibles will save around $196 annually
- The estimated rate for a 40-year-old good driver with $500 deductibles is $1,742
- Choosing more expensive low deductibles for physical damage coverage costs an additional $382 a year
- Drivers with multiple violations and an at-fault accident could pay upwards of $3,800
- An auto insurance policy with full coverage for a teen driver with full coverage may cost $6,868 or more
Insurance prices for a Subaru Ascent also have a wide range based on the model of your Ascent, your driving record, and policy deductibles and limits.
An older driver with no violations or accidents and high physical damage deductibles could pay as little as $1,600 a year, or $133 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay upwards of $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 at a minimum $2,100 to $2,900 additional annually, depending on your age. High-risk driver insurance can be anywhere from 42% to 134% more than average. View High Risk Driver Rates
Choosing high deductibles could cut prices by as much as $580 each year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $579 more each year. View Rates by Deductible or Liability Limit
Where you choose to live has a huge impact on Subaru Ascent insurance rates. A driver around age 40 might see prices as low as $1,250 a year in states like New Hampshire, Ohio, and Utah, or as much as $2,350 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,574 | -$168 | -9.6% |
| Alaska | $1,334 | -$408 | -23.4% |
| Arizona | $1,444 | -$298 | -17.1% |
| Arkansas | $1,742 | -$0 | 0.0% |
| California | $1,984 | $242 | 13.9% |
| Colorado | $1,662 | -$80 | -4.6% |
| Connecticut | $1,790 | $48 | 2.8% |
| Delaware | $1,970 | $228 | 13.1% |
| Florida | $2,176 | $434 | 24.9% |
| Georgia | $1,608 | -$134 | -7.7% |
| Hawaii | $1,248 | -$494 | -28.4% |
| Idaho | $1,180 | -$562 | -32.3% |
| Illinois | $1,298 | -$444 | -25.5% |
| Indiana | $1,314 | -$428 | -24.6% |
| Iowa | $1,178 | -$564 | -32.4% |
| Kansas | $1,654 | -$88 | -5.1% |
| Kentucky | $2,374 | $632 | 36.3% |
| Louisiana | $2,580 | $838 | 48.1% |
| Maine | $1,076 | -$666 | -38.2% |
| Maryland | $1,436 | -$306 | -17.6% |
| Massachusetts | $1,392 | -$350 | -20.1% |
| Michigan | $3,022 | $1,280 | 73.5% |
| Minnesota | $1,460 | -$282 | -16.2% |
| Mississippi | $2,084 | $342 | 19.6% |
| Missouri | $1,548 | -$194 | -11.1% |
| Montana | $1,870 | $128 | 7.3% |
| Nebraska | $1,372 | -$370 | -21.2% |
| Nevada | $2,086 | $344 | 19.7% |
| New Hampshire | $1,254 | -$488 | -28.0% |
| New Jersey | $1,946 | $204 | 11.7% |
| New Mexico | $1,542 | -$200 | -11.5% |
| New York | $1,834 | $92 | 5.3% |
| North Carolina | $1,002 | -$740 | -42.5% |
| North Dakota | $1,424 | -$318 | -18.3% |
| Ohio | $1,202 | -$540 | -31.0% |
| Oklahoma | $1,786 | $44 | 2.5% |
| Oregon | $1,596 | -$146 | -8.4% |
| Pennsylvania | $1,662 | -$80 | -4.6% |
| Rhode Island | $2,322 | $580 | 33.3% |
| South Carolina | $1,578 | -$164 | -9.4% |
| South Dakota | $1,472 | -$270 | -15.5% |
| Tennessee | $1,524 | -$218 | -12.5% |
| Texas | $2,096 | $354 | 20.3% |
| Utah | $1,286 | -$456 | -26.2% |
| Vermont | $1,192 | -$550 | -31.6% |
| Virginia | $1,042 | -$700 | -40.2% |
| Washington | $1,346 | -$396 | -22.7% |
| West Virginia | $1,596 | -$146 | -8.4% |
| Wisconsin | $1,206 | -$536 | -30.8% |
| Wyoming | $1,550 | -$192 | -11.0% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Subaru Ascent | $322 | $656 | $558 | $1,774 |
| 2023 Subaru Ascent | $306 | $630 | $584 | $1,758 |
| 2022 Subaru Ascent | $294 | $626 | $598 | $1,756 |
| 2021 Subaru Ascent | $284 | $610 | $624 | $1,756 |
| 2020 Subaru Ascent | $274 | $586 | $644 | $1,742 |
| 2019 Subaru Ascent | $260 | $564 | $664 | $1,726 |
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 Cheap Subaru Ascent Insurance
Finding better rates on Subaru Ascent insurance requires not taking risks behind the wheel, having good credit, being claim-free, and dropping full coverage on older vehicles. Invest the time to shop around at least every other year by requesting rates from direct companies, and also from local independent and exclusive agents.
The following is a brief summary of the car insurance concepts illustrated above.
- High-risk drivers that tend to have accidents or serious violations pay an average of $2,060 more each year for Ascent insurance
- You may be able to save as much as $210 per year just by shopping early and online
- Increasing policy deductibles could save up to $575 each year
- Drivers who require higher liability limits will pay about $710 every year to increase from 30/60 bodily injury limits to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,868 |
| 20 | $4,080 |
| 30 | $1,796 |
| 40 | $1,742 |
| 50 | $1,598 |
| 60 | $1,570 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,124 |
| $250 | $1,946 |
| $500 | $1,742 |
| $1,000 | $1,546 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,742 |
| 50/100 | $1,871 |
| 100/300 | $2,032 |
| 250/500 | $2,450 |
| 100 CSL | $1,935 |
| 300 CSL | $2,289 |
| 500 CSL | $2,547 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,744 |
| 20 | $6,502 |
| 30 | $3,856 |
| 40 | $3,800 |
| 50 | $3,636 |
| 60 | $3,602 |
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 | $90 |
| Multi-vehicle | $95 |
| Homeowner | $28 |
| 5-yr Accident Free | $123 |
| 5-yr Claim Free | $112 |
| Paid in Full/EFT | $74 |
| Advance Quote | $85 |
| Online Quote | $120 |
| Total Discounts | $727 |
Discounts are estimated and may not be available from every company or in every state.
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