Subaru Ascent Insurance Rates
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Michelle Robbins
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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 costs around $250, collision costs $524, and liability insurance costs $676. Liability-only insurance costs as little as $754 a year, with high-risk driver insurance costing around $3,686. Teenage 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:
Prices are based on $500 physical damage deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all states and for different Ascent trim levels.
Price Range Variability
For the average 40-year-old driver, Subaru Ascent insurance rates go from the low end price of $754 for the bare minimum liability coverage to a much higher rate of $3,686 for high-risk insurance.
Urban vs. Rural Price Range
Your location has a significant impact on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than densely populated cities.
The price range example below illustrates the difference location can make on auto insurance rates.
The examples above show why anyone shopping for car insurance should compare rates for a specific zip code, rather than relying on average rates.
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 shows estimated Subaru Ascent insurance rates for additional coverage choices and driver risks.
- The best discount rate is $988
- Drivers who choose higher $1,000 deductibles will pay about $176 a year
- The estimated price for a good driver age 40 using $500 deductibles is $1,688
- Using more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $2,032
- High risk drivers who are prone to accidents and violations could pay at least $3,686 or more
- Policy cost that insures a teen driver with full coverage can be $6,748 a year
Auto insurance rates for a Subaru Ascent also range considerably based on the model year and trim level, how you drive, and deductibles and policy limits.
If you have a few points on your driving record or you caused an accident, you could be paying at least $2,000 to $2,900 in extra premium every year, depending on your age. High-risk driver insurance can cost anywhere from 43% to 131% more than a normal policy. View High Risk Driver Rates
An older driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,600 per year on average, or $133 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have 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 be forced to pay 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% |
Using high physical damage deductibles could save up to $520 each year, while increasing your policy's liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $609 extra every year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the only way to know your exact price is to compare rates from as many companies as possible. Every company uses a different method to calculate rates, and quoted rates will be varied.
| 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 Affordable Subaru Ascent Insurance
Finding cheaper rates on Subaru Ascent insurance not only requires being a safe and courteous driver, but also maintaining a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Compare prices every couple of years by obtaining price quotes from direct carriers, and also from several local insurance agents.
Below is a brief review of the material that was touched on in this article.
- Drivers who may need higher levels of liability will pay an extra $740 each year to go from a 30/60 limit to the 250/500 level
- Teenage drivers are expensive to insure, costing up to $562 each month if the policy includes full coverage
- High-risk drivers with DUI or reckless driving convictions pay on average $2,000 more every year for auto insurance
- Increasing comprehensive and collision deductibles can save approximately $525 each year
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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