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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The average insurance rates for a Subaru Ascent are $1,688 a year for full coverage. Comprehensive insurance costs around $250, collision costs $524, and liability coverage costs $676. Liability-only coverage costs as little as $754 a year, with high-risk coverage costing $3,686 or more. Teen drivers cost the most to insure at $6,748 a year or more.
Average premium for full coverage: $1,688
Policy rates for type of insurance:
These estimates include $500 deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all states and for different Ascent trim levels.
Price Range Variability
For the average driver, Subaru Ascent insurance rates go from as low as $754 for a discount liability-only rate to a much higher rate of $3,686 for a high-risk insurance policy.
Urban vs. Rural Price Range
Your location has a large influence on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than larger metro areas.
The price range example below illustrates how location impacts auto insurance rates.
The examples above show why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, rather than 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.
Rates by State, City, and Model
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 average rate for a good driver age 40 using $500 deductibles is $1,688
- Choosing more expensive low deductibles for comprehensive and collision insurance will cost an extra $344 each year
- High-risk insureds with multiple violations and an at-fault accident could pay at least $3,686 or more
- Policy cost for full coverage for a teenage driver with full coverage can be $6,748 a year
Insurance rates for a Subaru Ascent also range considerably based on your risk profile, the trim level of your Ascent, and deductibles and policy limits.
An older driver with no violations or accidents and high deductibles may only pay around $1,600 per year on average, or $133 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay as much as $6,700 a year. View Rates by Age
Your home state makes a big difference in Subaru Ascent insurance rates. 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 a year, while increasing your policy's liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $609 more each year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you could be paying at least $2,000 to $2,900 additional every year, depending on your age. High-risk driver insurance can cost around 43% to 131% more than average. View High Risk Driver Rates
Because rates have so much variability, the only way to know your exact price is to compare rates and see how they stack up. Every company uses a different rate calculation, and rates will be varied from one company to the next.
| 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 Cheap 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, avoid buying unnecessary coverage, and taking advantage of discounts. Spend time shopping around at least every other year by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.
The following is a brief summary of the car insurance concepts touched on above.
- Drivers that tend to have accidents or serious violations may be required to pay an average of $2,000 more every year for Ascent insurance
- Drivers can save up to $200 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles can save around $525 each year
- Consumers who may need higher liability limits will pay about $740 each year to go from a 30/60 limit to 250/500 limits
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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