Subaru Ascent Insurance Rates
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UPDATED: Mar 28, 2024
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The average insurance rates for a Subaru Ascent are $1,726 a year for full coverage. Comprehensive costs on average $260, collision costs $564, and liability costs $664. Buying just liability costs as little as $744 a year, with insurance for high-risk drivers costing around $3,772. Teenage drivers cost the most to insure at $6,860 a year or more.
Average premium for full coverage: $1,726
Policy rates by type of insurance:
Prices are based on $500 deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for different Ascent trim levels.
Price Range Variability
For a driver around age 40, Subaru Ascent insurance rates go from the low end price of $744 for your basic liability-only policy to a much higher rate of $3,772 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Your location can have significant affects on car insurance rates. Rural areas are shown to have lower incidents of accident claims than densely populated cities.
The price range example below illustrates the difference between rural and urban areas on car insurance rates.
The examples above show why anyone shopping for car insurance should compare rates based on a specific location, instead of using 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.
More Rate Information
The chart below shows estimated Subaru Ascent insurance rates for different risk profiles and scenarios.
- The best discount rate is $1,006
- Drivers who choose higher $1,000 deductibles will pay around $186 a year
- The estimated price for a good driver age 40 with $500 deductibles is $1,726
- Using more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $2,094
- Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,772 or more
- Policy cost that insures a teen driver with full coverage may cost $6,860 a year
Insurance rates for a Subaru Ascent also range considerably based on the model year and trim level, how you drive, and policy deductibles and limits.
If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $2,100 to $2,900 extra every year, depending on your age. High-risk driver insurance can cost as much as 42% to 135% more than a normal policy. View High Risk Driver Rates
An older 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. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay upwards of $6,800 a year. View Rates by Age
Your home state makes a big difference in Subaru Ascent insurance prices. A 40-year-old driver could pay as low as $1,140 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,460 on average in Michigan, Louisiana, and New York.
| 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 every year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $597 more per year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the only way to know exactly what you will pay is to compare rates and see which company has the best rate. Every company uses a different method to calculate rates, so the rates will be varied.
| 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
Finding cheaper rates on car insurance not only requires not taking risks behind the wheel, but also having above-average credit, avoid buying unnecessary coverage, and bundling your home and auto policies. Compare prices at every other renewal by quoting rates from direct carriers, and also from local exclusive and independent agents.
The following is a brief review of the concepts that were covered above.
- Higher risk drivers with DUI or reckless driving convictions may pay on average $2,050 more each year for Ascent insurance
- Teens pay the highest rates, costing up to $572 each month if full coverage is included
- Drivers can save as much as $200 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles can save approximately $550 each year
- Drivers can save as much as $200 per year simply by shopping early and online
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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