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 insurance costs around $274 a year, collision costs $586, and liability insurance is estimated at $644. Liability-only insurance costs approximately $726 a year, with high-risk driver insurance costing $3,800 or more. Teen drivers pay the highest rates at $6,868 a year or more.
Average premium for full coverage: $1,742
Price estimates for individual coverage:
Price estimates include $500 deductible amounts, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all states and Ascent trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, Subaru Ascent insurance prices go from as low as $726 for a discount liability-only rate to a high of $3,800 for a high-risk driver policy.
Geographic Price Range
Living in a larger city has a significant impact on auto insurance rates. Areas with sparse population have a lower frequency of accident claims than larger metro areas.
The diagram below illustrates how rural and urban location affects auto insurance rates.
The ranges above show why it is important to get quotes for a specific zip code and risk profile, rather than relying on 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.
Rates by State, City, and Model
The chart below shows estimated Subaru Ascent insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $1,015
- Choosing higher $1,000 deductibles can save about $1,546 a year
- The average rate for the average middle-age driver using $500 deductibles is $1,742
- Choosing low $100 deductibles for comp and collision coverage will cost an extra $382 a year
- High-risk insureds with multiple violations and an at-fault accident could pay at least $3,800 or more
- The price for full coverage for a teen driver can be $6,868 each year
Car insurance prices for a Subaru Ascent are also quite variable based on your driving record, the trim level of your Ascent, and deductibles and policy limits.
Older drivers with no driving violations and high deductibles could pay as little as $1,600 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged as much as $6,800 a year. View Rates by Age
The state you live in plays a big part in determining prices for Subaru Ascent insurance rates. A good driver about age 40 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 can save as much as $580 each year, while buying higher liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $579 extra every 12 months. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying at least $2,100 to $2,900 extra each year, depending on your age. A high-risk auto insurance policy ranges anywhere from 42% to 134% more than average. View High Risk Driver Rates
Since prices can be so different, the only way to know your exact price is to get quotes from as many companies as possible. Each auto insurer uses a different rate calculation, so rate quotes may be quite different from one company to the next.
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 Subaru Ascent insurance takes having a good driving record, having above-average credit, eliminating unnecessary coverage, and qualifying for all possible discounts. Set aside time to shop around every time your policy renews by getting quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.
The next list is a condensed summary of the information raised in the charts and tables above.
- Drivers can save up to $210 per year simply by quoting early and online
- Drivers age 20 and younger are the costliest to insure, with premiums as much as $572 a month if full coverage is included
- Increasing physical damage deductibles can save around $575 each year
- High-risk drivers with multiple at-fault accidents may be required to pay an average of $2,060 more every year to buy Subaru Ascent insurance
- Drivers who may need increased levels of liability coverage will pay about $710 each year to raise limits from a low limit to 250/500 limits
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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