Subaru Ascent Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Mar 28, 2024

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U.S. average insurance rates for a Subaru Ascent are $1,726 a year for full coverage insurance. Comprehensive insurance costs approximately $260, collision costs $564, and liability coverage costs around $664. Buying just liability costs as low as $744 a year, with insurance for high-risk drivers costing $3,772 or more. 16-year-old drivers pay the highest rates at $6,860 a year or more.

Average premium for full coverage: $1,726

Price estimates by individual coverage:

Comprehensive $260
Collision $564
Liability $664

Includes $500 deductibles, liability limits of 30/60, and includes uninsured motorist coverage. Estimates are averaged for all 50 states and for different Ascent trim levels.

Price Range from Low to High

For the average driver, Subaru Ascent insurance prices go from the low end price of $744 for only liability insurance to a much higher rate of $3,772 for a driver that may need high-risk insurance.

Liability Only $744
Full Coverage $1,726
High Risk $3,772

Geographic Price Range

Where you live has a large influence on the price of auto insurance. Rural locations have lower incidents of physical damage claims than congested cities.

The price range example below illustrates how location impacts auto insurance prices.

Rural Areas $1,295
Small Cities $1,812
Large Cities $2,330

The ranges above illustrate why anyone shopping for car insurance should compare prices using their specific location, rather than using rate 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.

Insurance Rate Analysis

The chart below illustrates estimated Subaru Ascent insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $1,006
  • Using higher $1,000 deductibles will save $186 each year
  • The estimated price for the average middle-age driver who chooses $500 deductibles is $1,726
  • Buying more expensive low deductibles for physical damage coverage will cost an additional $368 each year
  • Higher-risk drivers with multiple tickets or accidents could pay around $3,772 or more
  • The price that insures a teenage driver with full coverage can cost $6,860 or more

View Chart as Image

Subaru Ascent insurance cost comparison chart
Column chart showing full coverage Subaru Ascent insurance prices range from $1,006 to $6,860

Insurance prices for a Subaru Ascent are also quite variable based on the model year and trim level, your age and driving record, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are probably paying anywhere from $2,100 to $2,900 additional each year, depending on your age. High-risk driver insurance can be around 42% to 135% more than the average rate. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,600 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $6,800 a year. View Rates by Age

The state you live in has a huge impact on Subaru Ascent insurance rates. A driver around age 40 might see prices as low as $1,130 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,330 on average in Florida, New York, and Michigan.

Subaru Ascent Insurance Rates by State
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%

View Chart as Image

Subaru Ascent insurance rates by U.S. city

Opting for high physical damage deductibles could cut prices by as much as $560 a year, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $597 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out who has the best car insurance prices is to compare prices and see how they stack up. Each insurance company utilizes a different rate formula, and prices may be quite different.

Subaru Ascent Insurance Rates by Model Year
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 Find the Cheapest Subaru Ascent Insurance

Getting lower rates on auto insurance requires being a safe driver, having a good credit score, not filing small claims, and qualifying for all possible discounts. Comparison shop once a year by requesting quotes from direct insurance companies, and also from your local car insurance providers.

Here is a recap of the data that was touched on above.

  • It is possible to save around $200 per year simply by shopping early and online
  • Consumers who purchase more liability insurance will pay around $730 annually to increase from a low limit to the 250/500 level
  • Young drivers are the costliest to insure, as much as $572 a month if comprehensive and collision insurance is included
  • Drivers that have major violations or accidents could be charged and average of $2,050 more per year for insurance

Rates by Driver Age

Subaru Ascent Insurance 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

Subaru Ascent Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,094
$250 $1,920
$500 $1,726
$1,000 $1,540

Full coverage, driver age 40

Rates by Liability Limit

Subaru Ascent Insurance Rates with Different Liability Limits
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

Subaru Ascent Insurance 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.

SR-22 Surcharge $246

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
Rate after discounts $1,006

Discounts are estimated and may not be available from every company or in every state.

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