Subaru Ascent Insurance Rates

The average insurance rates for a Subaru Ascent are $1,688 a year for full coverage insurance. Comprehensive costs on average $250 each year, collision insurance costs $524, and liability coverage costs $676. Liability-only coverage costs as little as $754 a year, and high-risk coverage costs around $3,686. Teenage drivers cost the most to insure at up to $6,748 a year.

Average premium for full coverage: $1,688

Policy rates by type of insurance:

Includes $500 physical damage deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and Ascent models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on insurance rates. Rural areas are shown to have a lower frequency of physical damage claims than densely populated cities. The graphic below illustrates the difference location can make on car insurance rates.

The examples above illustrate why all drivers should compare rates based on a specific location and risk profile, rather than using average rates.

Use the form below to get customized rates for your location.

Rates by State, City, and Model

The chart below illustrates average Subaru Ascent insurance rates for different risk profiles and scenarios.

• The best discount rate is $988
• Drivers who choose higher $1,000 deductibles will pay around $176 each year
• The average rate for a good driver age 40 with $500 deductibles is $1,688
• Using low deductibles for comprehensive and collision insurance will increase the cost to $2,032
• High-risk insureds who are prone to accidents and violations could pay upwards of $3,686
• Policy cost for full coverage for a teenage driver may cost $6,748 a year

View Chart as Image

Insurance rates for a Subaru Ascent also range considerably based on your risk profile, the model year and trim level, and policy deductibles and limits.

More mature drivers with no violations or accidents and high deductibles may only pay around $1,600 per year on average, or $133 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay upwards of $6,700 a year. View Rates by Age

Your home state makes a big difference in Subaru Ascent insurance rates. A 40-year-old driver could pay as low as $1,100 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,280 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $520 a year, whereas increasing liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $609 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at a minimum $2,000 to $2,900 additional every year, depending on your age. Insurance for high-risk drivers can cost around 43% to 131% more than a normal policy. View High Risk Driver Rates

How to Find the Cheapest Subaru Ascent Insurance

Finding cheaper rates on auto insurance not only requires being a safe and courteous driver, but also having a good credit history, being claim-free, and dropping full coverage on older vehicles. Make time to compare rates at least every other year by quoting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

Below is a recap of the car insurance concepts touched on in this article.

• Drivers that have major violations or accidents pay an average of $2,000 more each year for auto insurance
• It is possible to save as much as $200 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $525 each year
• Consumers who require higher levels of liability will pay an extra $740 annually to go from a 30/60 limit to 250/500 limits