Subaru Ascent Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Mar 28, 2024
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Estimated insurance rates for a Subaru Ascent are $1,688 a year for full coverage. Comprehensive costs around $250, collision costs $524, and liability costs $676. Liability-only coverage costs as little as $754 a year, with high-risk coverage costing around $3,686. Teen drivers pay the most at $6,748 a year or more.
Average premium for full coverage: $1,688
Premium estimates for type of coverage:
Estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and for all Ascent models.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Subaru Ascent go from the low end price of $754 for your basic liability-only policy to the much higher price of $3,686 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Your location can have significant affects on auto insurance rates. Areas with sparse population are statistically proven to have lower incidents of accident claims than larger metro areas.
The example below illustrates the difference location can make on auto insurance rates.
These rate differences show why everyone should compare rates for a specific zip code, 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.
More Rate Information
The chart below shows estimated Subaru Ascent insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $988
- Drivers who choose higher $1,000 deductibles will pay about $176 a year
- The estimated price for a 40-year-old good driver using $500 deductibles is $1,688
- Choosing pricier low deductibles for comprehensive and collision insurance bumps up the cost to $2,032
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,686 or more
- An auto insurance policy that insures a teen driver for full coverage can be $6,748 a year
Insurance prices for a Subaru Ascent also have a wide range based on the model of your Ascent, how you drive, and deductibles and policy limits.
If you have a few violations or you caused an accident, you could be paying at least $2,000 to $2,900 extra annually, depending on your age. Subaru Ascent insurance for high-risk drivers can cost as much as 43% to 131% more than average. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision 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, since even teens with perfect driving records can expect to pay as much as $6,700 a year. View Rates by Age
Where you choose to live makes a big difference in Subaru Ascent insurance prices. A 40-year-old driver could pay as low as $1,110 a year in states like Idaho, Maine, and Iowa, or as much as $2,410 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,528 | -$160 | -9.5% |
| Alaska | $1,294 | -$394 | -23.3% |
| Arizona | $1,398 | -$290 | -17.2% |
| Arkansas | $1,688 | -$0 | 0.0% |
| California | $1,926 | $238 | 14.1% |
| Colorado | $1,612 | -$76 | -4.5% |
| Connecticut | $1,734 | $46 | 2.7% |
| Delaware | $1,910 | $222 | 13.2% |
| Florida | $2,110 | $422 | 25.0% |
| Georgia | $1,560 | -$128 | -7.6% |
| Hawaii | $1,210 | -$478 | -28.3% |
| Idaho | $1,142 | -$546 | -32.3% |
| Illinois | $1,258 | -$430 | -25.5% |
| Indiana | $1,274 | -$414 | -24.5% |
| Iowa | $1,142 | -$546 | -32.3% |
| Kansas | $1,602 | -$86 | -5.1% |
| Kentucky | $2,302 | $614 | 36.4% |
| Louisiana | $2,502 | $814 | 48.2% |
| Maine | $1,044 | -$644 | -38.2% |
| Maryland | $1,392 | -$296 | -17.5% |
| Massachusetts | $1,348 | -$340 | -20.1% |
| Michigan | $2,930 | $1,242 | 73.6% |
| Minnesota | $1,412 | -$276 | -16.4% |
| Mississippi | $2,020 | $332 | 19.7% |
| Missouri | $1,500 | -$188 | -11.1% |
| Montana | $1,816 | $128 | 7.6% |
| Nebraska | $1,330 | -$358 | -21.2% |
| Nevada | $2,022 | $334 | 19.8% |
| New Hampshire | $1,216 | -$472 | -28.0% |
| New Jersey | $1,886 | $198 | 11.7% |
| New Mexico | $1,496 | -$192 | -11.4% |
| New York | $1,778 | $90 | 5.3% |
| North Carolina | $974 | -$714 | -42.3% |
| North Dakota | $1,380 | -$308 | -18.2% |
| Ohio | $1,166 | -$522 | -30.9% |
| Oklahoma | $1,732 | $44 | 2.6% |
| Oregon | $1,546 | -$142 | -8.4% |
| Pennsylvania | $1,612 | -$76 | -4.5% |
| Rhode Island | $2,250 | $562 | 33.3% |
| South Carolina | $1,528 | -$160 | -9.5% |
| South Dakota | $1,426 | -$262 | -15.5% |
| Tennessee | $1,476 | -$212 | -12.6% |
| Texas | $2,034 | $346 | 20.5% |
| Utah | $1,248 | -$440 | -26.1% |
| Vermont | $1,154 | -$534 | -31.6% |
| Virginia | $1,012 | -$676 | -40.0% |
| Washington | $1,302 | -$386 | -22.9% |
| West Virginia | $1,546 | -$142 | -8.4% |
| Wisconsin | $1,168 | -$520 | -30.8% |
| Wyoming | $1,502 | -$186 | -11.0% |
Choosing high deductibles could save up to $520 every year, whereas buying more liability protection will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $609 more per year. View Rates by Deductible or Liability Limit
With such a large range in prices, the only way to know your exact price is to regularly compare prices and see which company has the best price. Every company uses a different rate calculation, so the prices will be substantially different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Subaru Ascent | $294 | $626 | $598 | $1,756 |
| 2023 Subaru Ascent | $284 | $610 | $624 | $1,756 |
| 2022 Subaru Ascent | $274 | $586 | $644 | $1,742 |
| 2021 Subaru Ascent | $260 | $564 | $664 | $1,726 |
| 2020 Subaru Ascent | $250 | $524 | $676 | $1,688 |
| 2019 Subaru Ascent | $240 | $494 | $684 | $1,656 |
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 Find Low Cost Subaru Ascent Insurance
Finding better rates on car insurance not only requires having a decent driving record, but also having above-average credit, not filing small claims, and insuring your home and auto with the same company. Shop around once a year by getting quotes from direct carriers, and also from several local insurance agents.
The following items are a review of the data that was touched on in this article.
- Drivers can save up to $200 per year simply by quoting online well ahead of the renewal date
- Policyholders who may need additional liability coverage will pay about $740 each year to go from 30/60 bodily injury limits to the 250/500 level
- 16 to 18-year-old drivers pay higher prices, as much as $562 per month if full coverage is included
- Higher risk drivers who have several accidents or serious violations pay on average $2,000 more every year than a driver with a clean driving record
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,748 |
| 20 | $3,950 |
| 30 | $1,734 |
| 40 | $1,688 |
| 50 | $1,550 |
| 60 | $1,522 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,032 |
| $250 | $1,870 |
| $500 | $1,688 |
| $1,000 | $1,512 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,688 |
| 50/100 | $1,823 |
| 100/300 | $1,992 |
| 250/500 | $2,432 |
| 100 CSL | $1,891 |
| 300 CSL | $2,263 |
| 500 CSL | $2,533 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,562 |
| 20 | $6,306 |
| 30 | $3,732 |
| 40 | $3,686 |
| 50 | $3,526 |
| 60 | $3,494 |
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 | $87 |
| Multi-vehicle | $93 |
| Homeowner | $28 |
| 5-yr Accident Free | $116 |
| 5-yr Claim Free | $109 |
| Paid in Full/EFT | $70 |
| Advance Quote | $81 |
| Online Quote | $116 |
| Total Discounts | $700 |
Discounts are estimated and may not be available from every company or in every state.
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