Subaru Ascent Insurance Rates
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UPDATED: Mar 28, 2024
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U.S. average insurance rates for a Subaru Ascent are $1,742 a year for full coverage. Comprehensive costs on average $274 a year, collision costs $586, and liability costs $644. Buying just liability costs as little as $726 a year, with insurance for high-risk drivers costing around $3,800. Teen drivers pay the highest rates at $6,868 a year or more.
Average premium for full coverage: $1,742
Price estimates by individual coverage:
Price estimates include $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and Ascent trim levels.
Price Range from Low to High
For the average 40-year-old driver, Subaru Ascent insurance prices go from the low end price of $726 for your basic liability-only policy to a high of $3,800 for high-risk insurance.
Geographic Price Range
Your location can have significant affects on car insurance rates. Rural areas have lower incidents of accident claims than larger metro areas.
The diagram below illustrates the difference location can make on car insurance rates.
The ranges above show why it is important to compare rates based on a specific location, instead of 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.
More Rate Information
The chart below shows estimated Subaru Ascent insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $1,015
- Drivers who choose higher $1,000 deductibles will pay around $1,546 a year
- The estimated price for the average middle-age driver with $500 deductibles is $1,742
- Choosing low $100 deductibles for comprehensive and collision insurance bumps up the cost to $2,124
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $3,800 or more
- The price that insures a teen driver may cost $6,868 a year
Insurance prices for a Subaru Ascent are also quite variable based on the trim level of your Ascent, how you drive, and policy deductibles and limits.
If you have some driving violations or you caused an accident, you could be paying at a minimum $2,100 to $2,900 additional each year, depending on your age. A high-risk auto insurance policy can cost as much as 42% to 134% more than average. View High Risk Driver Rates
Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,600 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay upwards of $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 $1,150 a year in states like Idaho, Maine, and Iowa, or as much as $2,480 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,574 | -$168 | -9.6% |
| Alaska | $1,334 | -$408 | -23.4% |
| Arizona | $1,444 | -$298 | -17.1% |
| Arkansas | $1,742 | -$0 | 0.0% |
| California | $1,984 | $242 | 13.9% |
| Colorado | $1,662 | -$80 | -4.6% |
| Connecticut | $1,790 | $48 | 2.8% |
| Delaware | $1,970 | $228 | 13.1% |
| Florida | $2,176 | $434 | 24.9% |
| Georgia | $1,608 | -$134 | -7.7% |
| Hawaii | $1,248 | -$494 | -28.4% |
| Idaho | $1,180 | -$562 | -32.3% |
| Illinois | $1,298 | -$444 | -25.5% |
| Indiana | $1,314 | -$428 | -24.6% |
| Iowa | $1,178 | -$564 | -32.4% |
| Kansas | $1,654 | -$88 | -5.1% |
| Kentucky | $2,374 | $632 | 36.3% |
| Louisiana | $2,580 | $838 | 48.1% |
| Maine | $1,076 | -$666 | -38.2% |
| Maryland | $1,436 | -$306 | -17.6% |
| Massachusetts | $1,392 | -$350 | -20.1% |
| Michigan | $3,022 | $1,280 | 73.5% |
| Minnesota | $1,460 | -$282 | -16.2% |
| Mississippi | $2,084 | $342 | 19.6% |
| Missouri | $1,548 | -$194 | -11.1% |
| Montana | $1,870 | $128 | 7.3% |
| Nebraska | $1,372 | -$370 | -21.2% |
| Nevada | $2,086 | $344 | 19.7% |
| New Hampshire | $1,254 | -$488 | -28.0% |
| New Jersey | $1,946 | $204 | 11.7% |
| New Mexico | $1,542 | -$200 | -11.5% |
| New York | $1,834 | $92 | 5.3% |
| North Carolina | $1,002 | -$740 | -42.5% |
| North Dakota | $1,424 | -$318 | -18.3% |
| Ohio | $1,202 | -$540 | -31.0% |
| Oklahoma | $1,786 | $44 | 2.5% |
| Oregon | $1,596 | -$146 | -8.4% |
| Pennsylvania | $1,662 | -$80 | -4.6% |
| Rhode Island | $2,322 | $580 | 33.3% |
| South Carolina | $1,578 | -$164 | -9.4% |
| South Dakota | $1,472 | -$270 | -15.5% |
| Tennessee | $1,524 | -$218 | -12.5% |
| Texas | $2,096 | $354 | 20.3% |
| Utah | $1,286 | -$456 | -26.2% |
| Vermont | $1,192 | -$550 | -31.6% |
| Virginia | $1,042 | -$700 | -40.2% |
| Washington | $1,346 | -$396 | -22.7% |
| West Virginia | $1,596 | -$146 | -8.4% |
| Wisconsin | $1,206 | -$536 | -30.8% |
| Wyoming | $1,550 | -$192 | -11.0% |
Choosing high deductibles could save up to $580 every year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $579 more each year. View Rates by Deductible or Liability Limit
Since prices can be so different, the only way to know exactly what you will pay is to get quotes and see which company has the best price. Every company uses a different rate calculation, and prices may be quite different.
| 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 Cheaper Subaru Ascent Insurance
Getting lower rates on car insurance not only requires being safe and accident-free, but also having a good credit score, eliminating unnecessary coverage, and insuring your home and auto with the same company. Shop around every couple of years by getting rate quotes from direct carriers, and also from local exclusive and independent agents.
Below you'll find a condensed summary of the material that was touched on in this article.
- Policyholders who require more liability protection will pay about $710 each year to go from a low limit to the 250/500 level
- Youthful drivers pay higher prices, with premiums as much as $572 a month if comprehensive and collision insurance is included
- Higher risk drivers with multiple at-fault accidents may pay on average $2,060 more each year than a low-risk driver
- Increasing physical damage deductibles can save approximately $575 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,868 |
| 20 | $4,080 |
| 30 | $1,796 |
| 40 | $1,742 |
| 50 | $1,598 |
| 60 | $1,570 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,124 |
| $250 | $1,946 |
| $500 | $1,742 |
| $1,000 | $1,546 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,742 |
| 50/100 | $1,871 |
| 100/300 | $2,032 |
| 250/500 | $2,450 |
| 100 CSL | $1,935 |
| 300 CSL | $2,289 |
| 500 CSL | $2,547 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,744 |
| 20 | $6,502 |
| 30 | $3,856 |
| 40 | $3,800 |
| 50 | $3,636 |
| 60 | $3,602 |
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 | $90 |
| Multi-vehicle | $95 |
| Homeowner | $28 |
| 5-yr Accident Free | $123 |
| 5-yr Claim Free | $112 |
| Paid in Full/EFT | $74 |
| Advance Quote | $85 |
| Online Quote | $120 |
| Total Discounts | $727 |
Discounts are estimated and may not be available from every company or in every state.
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