Subaru Ascent Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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...
Licensed Insurance Agent
UPDATED: Mar 28, 2024
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U.S. average insurance rates for a Subaru Ascent are $1,726 a year including full coverage. Comprehensive costs an estimated $260, collision costs $564, and liability costs $664. Liability-only coverage costs as little as $744 a year, with high-risk coverage costing around $3,772. Teenage drivers pay the highest rates at $6,860 a year or more.
Average premium for full coverage: $1,726
Price estimates broken down by individual coverage:
Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all Ascent models.
Price Range from Low to High
For an average driver, Subaru Ascent insurance prices go from the low end price of $744 for just the minimum liability insurance to the much higher price of $3,772 for a policy for a high-risk driver.
Geographic Price Range
Your location can make a big difference on the price of auto insurance. More rural locations have lower incidents of comprehensive and collision claims than densely populated cities.
The example below illustrates the effect of geographic area on insurance prices.
The ranges above highlight why everyone should compare rates for a targeted area, instead of making a decision based 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 Analysis
The chart below breaks down estimated Subaru Ascent insurance rates for other coverage scenarios.
- The best discount rate is $1,006
- Drivers who choose higher $1,000 deductibles will pay approximately $186 every year
- The estimated price for the average middle-age driver who has $500 deductibles is $1,726
- Using pricier low deductibles for comprehensive and collision insurance bumps up the cost to $2,094
- Drivers who are prone to accidents and violations could pay up to $3,772 or more
- The price that insures a 16-year-old driver for full coverage can cost as much as $6,860 a year
Auto insurance prices for a Subaru Ascent are also quite variable based on the model of your Ascent, your driving record and age, and liability limits and deductibles.
If you have some driving violations or you caused an accident, you are likely paying $2,100 to $2,900 in extra premium each year, depending on your age. Subaru Ascent insurance for high-risk drivers can cost from 42% to 135% more than a normal policy. View High Risk Driver Rates
A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,600 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay at least $6,800 a year. View Rates by Age
The state you live in makes a big difference in Subaru Ascent insurance prices. A 40-year-old driver could pay as low as $1,320 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,460 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,560 | -$166 | -9.6% |
| Alaska | $1,320 | -$406 | -23.5% |
| Arizona | $1,430 | -$296 | -17.1% |
| Arkansas | $1,726 | -$0 | 0.0% |
| California | $1,968 | $242 | 14.0% |
| Colorado | $1,650 | -$76 | -4.4% |
| Connecticut | $1,772 | $46 | 2.7% |
| Delaware | $1,952 | $226 | 13.1% |
| Florida | $2,158 | $432 | 25.0% |
| Georgia | $1,594 | -$132 | -7.6% |
| Hawaii | $1,238 | -$488 | -28.3% |
| Idaho | $1,170 | -$556 | -32.2% |
| Illinois | $1,286 | -$440 | -25.5% |
| Indiana | $1,302 | -$424 | -24.6% |
| Iowa | $1,168 | -$558 | -32.3% |
| Kansas | $1,638 | -$88 | -5.1% |
| Kentucky | $2,354 | $628 | 36.4% |
| Louisiana | $2,556 | $830 | 48.1% |
| Maine | $1,066 | -$660 | -38.2% |
| Maryland | $1,424 | -$302 | -17.5% |
| Massachusetts | $1,380 | -$346 | -20.0% |
| Michigan | $2,994 | $1,268 | 73.5% |
| Minnesota | $1,446 | -$280 | -16.2% |
| Mississippi | $2,064 | $338 | 19.6% |
| Missouri | $1,534 | -$192 | -11.1% |
| Montana | $1,854 | $128 | 7.4% |
| Nebraska | $1,358 | -$368 | -21.3% |
| Nevada | $2,068 | $342 | 19.8% |
| New Hampshire | $1,240 | -$486 | -28.2% |
| New Jersey | $1,928 | $202 | 11.7% |
| New Mexico | $1,530 | -$196 | -11.4% |
| New York | $1,816 | $90 | 5.2% |
| North Carolina | $996 | -$730 | -42.3% |
| North Dakota | $1,412 | -$314 | -18.2% |
| Ohio | $1,190 | -$536 | -31.1% |
| Oklahoma | $1,770 | $44 | 2.5% |
| Oregon | $1,582 | -$144 | -8.3% |
| Pennsylvania | $1,646 | -$80 | -4.6% |
| Rhode Island | $2,302 | $576 | 33.4% |
| South Carolina | $1,564 | -$162 | -9.4% |
| South Dakota | $1,456 | -$270 | -15.6% |
| Tennessee | $1,508 | -$218 | -12.6% |
| Texas | $2,078 | $352 | 20.4% |
| Utah | $1,278 | -$448 | -26.0% |
| Vermont | $1,182 | -$544 | -31.5% |
| Virginia | $1,034 | -$692 | -40.1% |
| Washington | $1,332 | -$394 | -22.8% |
| West Virginia | $1,582 | -$144 | -8.3% |
| Wisconsin | $1,196 | -$530 | -30.7% |
| Wyoming | $1,534 | -$192 | -11.1% |
Using high physical damage deductibles could save up to $560 annually, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $597 extra every year. View Rates by Deductible or Liability Limit
Since prices can be so different, the best way to figure out which car insurance is cheapest is to regularly compare prices from multiple companies. Every company uses a different method to calculate prices, and quoted prices may be quite different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Subaru Ascent | $306 | $630 | $584 | $1,758 |
| 2023 Subaru Ascent | $294 | $626 | $598 | $1,756 |
| 2022 Subaru Ascent | $284 | $610 | $624 | $1,756 |
| 2021 Subaru Ascent | $274 | $586 | $644 | $1,742 |
| 2020 Subaru Ascent | $260 | $564 | $664 | $1,726 |
| 2019 Subaru Ascent | $250 | $524 | $676 | $1,688 |
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
Getting lower rates on insurance for a Subaru Ascent not only requires being safe and accident-free, but also maintaining a good credit score, being claim-free, and qualifying for all possible discounts. Compare prices every year by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.
Below you'll find a brief review of the coverage data covered in the above illustrations.
- You may be able to save approximately $200 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save approximately $550 each year
- Youthful drivers are the costliest to insure, possibly costing $572 a month if the policy includes full coverage
- Drivers considered higher risk with DUI or reckless driving convictions could be charged and average of $2,050 more annually than a low-risk driver
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,860 |
| 20 | $4,046 |
| 30 | $1,774 |
| 40 | $1,726 |
| 50 | $1,584 |
| 60 | $1,556 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,094 |
| $250 | $1,920 |
| $500 | $1,726 |
| $1,000 | $1,540 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,726 |
| 50/100 | $1,859 |
| 100/300 | $2,025 |
| 250/500 | $2,456 |
| 100 CSL | $1,925 |
| 300 CSL | $2,290 |
| 500 CSL | $2,556 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,728 |
| 20 | $6,456 |
| 30 | $3,822 |
| 40 | $3,772 |
| 50 | $3,610 |
| 60 | $3,576 |
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 | $89 |
| Multi-vehicle | $95 |
| Homeowner | $28 |
| 5-yr Accident Free | $121 |
| 5-yr Claim Free | $111 |
| Paid in Full/EFT | $73 |
| Advance Quote | $84 |
| Online Quote | $119 |
| Total Discounts | $720 |
Discounts are estimated and may not be available from every company or in every state.
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