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 $1,688 a year for full coverage. Comprehensive costs approximately $250, collision costs $524, and liability costs around $676. Liability-only insurance costs as low as $754 a year, with high-risk driver insurance costing around $3,686. Teenage drivers pay the highest rates at $6,748 a year or more.
Average premium for full coverage: $1,688
Price estimates by individual coverage:
Prices include $500 policy deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all states and for all Ascent models.
Price Range from Low to High
For the normal driver, Subaru Ascent insurance prices go from as low as $754 for a discount liability-only rate to the much higher price of $3,686 for a driver that may need high-risk insurance.
Geographic Price Range
Where you live can make a big difference on car insurance rates. Rural locations have a lower frequency of accident claims than densely populated cities.
The example below illustrates how geographic area affects auto insurance prices.
The ranges above show why everyone should compare prices using their specific location and risk profile, 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.
Rates by State, City, and Model
The chart below shows estimated Subaru Ascent insurance rates for additional coverage and risk scenarios.
- The best discount rate is $988
- Using higher $1,000 deductibles will save $176 a year
- The average rate for the average middle-age driver who chooses $500 deductibles is $1,688
- Using pricier low deductibles for physical damage coverage will increase the cost to $2,032
- High-risk insureds who are prone to accidents and violations could pay around $3,686 or more
- The price for full coverage for a 16-year-old driver for full coverage can cost $6,748 or more
Car insurance prices for a Subaru Ascent are also quite variable based on your driving record, the trim level of your Ascent, and physical damage deductibles and liability limits.
A more mature driver with no driving violations and high deductibles may pay as low as $1,600 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged in the ballpark of $6,700 a year. View Rates by Age
The state you live in has a huge impact on Subaru Ascent insurance prices. A driver around age 40 might see prices as low as $1,110 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,410 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,528 | -$160 | -9.5% |
| Alaska | $1,294 | -$394 | -23.3% |
| Arizona | $1,398 | -$290 | -17.2% |
| Arkansas | $1,688 | -$0 | 0.0% |
| California | $1,926 | $238 | 14.1% |
| Colorado | $1,612 | -$76 | -4.5% |
| Connecticut | $1,734 | $46 | 2.7% |
| Delaware | $1,910 | $222 | 13.2% |
| Florida | $2,110 | $422 | 25.0% |
| Georgia | $1,560 | -$128 | -7.6% |
| Hawaii | $1,210 | -$478 | -28.3% |
| Idaho | $1,142 | -$546 | -32.3% |
| Illinois | $1,258 | -$430 | -25.5% |
| Indiana | $1,274 | -$414 | -24.5% |
| Iowa | $1,142 | -$546 | -32.3% |
| Kansas | $1,602 | -$86 | -5.1% |
| Kentucky | $2,302 | $614 | 36.4% |
| Louisiana | $2,502 | $814 | 48.2% |
| Maine | $1,044 | -$644 | -38.2% |
| Maryland | $1,392 | -$296 | -17.5% |
| Massachusetts | $1,348 | -$340 | -20.1% |
| Michigan | $2,930 | $1,242 | 73.6% |
| Minnesota | $1,412 | -$276 | -16.4% |
| Mississippi | $2,020 | $332 | 19.7% |
| Missouri | $1,500 | -$188 | -11.1% |
| Montana | $1,816 | $128 | 7.6% |
| Nebraska | $1,330 | -$358 | -21.2% |
| Nevada | $2,022 | $334 | 19.8% |
| New Hampshire | $1,216 | -$472 | -28.0% |
| New Jersey | $1,886 | $198 | 11.7% |
| New Mexico | $1,496 | -$192 | -11.4% |
| New York | $1,778 | $90 | 5.3% |
| North Carolina | $974 | -$714 | -42.3% |
| North Dakota | $1,380 | -$308 | -18.2% |
| Ohio | $1,166 | -$522 | -30.9% |
| Oklahoma | $1,732 | $44 | 2.6% |
| Oregon | $1,546 | -$142 | -8.4% |
| Pennsylvania | $1,612 | -$76 | -4.5% |
| Rhode Island | $2,250 | $562 | 33.3% |
| South Carolina | $1,528 | -$160 | -9.5% |
| South Dakota | $1,426 | -$262 | -15.5% |
| Tennessee | $1,476 | -$212 | -12.6% |
| Texas | $2,034 | $346 | 20.5% |
| Utah | $1,248 | -$440 | -26.1% |
| Vermont | $1,154 | -$534 | -31.6% |
| Virginia | $1,012 | -$676 | -40.0% |
| Washington | $1,302 | -$386 | -22.9% |
| West Virginia | $1,546 | -$142 | -8.4% |
| Wisconsin | $1,168 | -$520 | -30.8% |
| Wyoming | $1,502 | -$186 | -11.0% |
Using high physical damage deductibles could cut prices by as much as $520 annually, whereas buying more liability protection will push prices upward. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $609 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 anywhere from $2,000 to $2,900 extra each year, depending on your age. Subaru Ascent insurance for high-risk drivers can be from 43% to 131% more than a normal policy. View High Risk Driver Rates
Since prices can be so different, the only way to know who has the cheapest car insurance prices is to regularly compare prices from multiple companies. Each insurance company uses a different method to calculate prices, so rate quotes may be quite different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Subaru Ascent | $294 | $626 | $598 | $1,756 |
| 2023 Subaru Ascent | $284 | $610 | $624 | $1,756 |
| 2022 Subaru Ascent | $274 | $586 | $644 | $1,742 |
| 2021 Subaru Ascent | $260 | $564 | $664 | $1,726 |
| 2020 Subaru Ascent | $250 | $524 | $676 | $1,688 |
| 2019 Subaru Ascent | $240 | $494 | $684 | $1,656 |
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 Right Subaru Ascent Insurance
Getting lower rates on insurance for a Subaru Ascent requires being a good driver, having above-average credit, eliminating unnecessary coverage, and avoiding coverage lapses. Invest the time to compare rates once a year by getting rate quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.
The following list is a quick rundown of the data that was presented in the illustrations above.
- Drivers can save around $200 per year simply by quoting online well ahead of the renewal date
- Insureds who purchase an increased level of liability coverage will pay an extra $740 each year to increase from a low limit to 250/500 limits
- Drivers age 16 to 20 pay the highest auto insurance prices, with premiums as much as $562 a month if full coverage is included
- Drivers considered higher risk with reckless driving or DUI convictions may pay on average $2,000 more per year than a safer driver
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,748 |
| 20 | $3,950 |
| 30 | $1,734 |
| 40 | $1,688 |
| 50 | $1,550 |
| 60 | $1,522 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,032 |
| $250 | $1,870 |
| $500 | $1,688 |
| $1,000 | $1,512 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,688 |
| 50/100 | $1,823 |
| 100/300 | $1,992 |
| 250/500 | $2,432 |
| 100 CSL | $1,891 |
| 300 CSL | $2,263 |
| 500 CSL | $2,533 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,562 |
| 20 | $6,306 |
| 30 | $3,732 |
| 40 | $3,686 |
| 50 | $3,526 |
| 60 | $3,494 |
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 | $87 |
| Multi-vehicle | $93 |
| Homeowner | $28 |
| 5-yr Accident Free | $116 |
| 5-yr Claim Free | $109 |
| Paid in Full/EFT | $70 |
| Advance Quote | $81 |
| Online Quote | $116 |
| Total Discounts | $700 |
Discounts are estimated and may not be available from every company or in every state.
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