Subaru Ascent Insurance Rates
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Michelle Robbins
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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...
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UPDATED: Mar 28, 2024
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Estimated insurance prices for a Subaru Ascent are $1,688 every 12 months with full coverage. Comprehensive costs approximately $250, collision costs $524, and liability insurance costs $676. Liability-only insurance costs as little as $754 a year, with high-risk driver insurance costing around $3,686. Teens pay the most at $6,748 a year or more.
Average premium for full coverage: $1,688
Premium estimates by type of coverage:
Full coverage includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and for different Ascent trim levels.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Subaru Ascent go from the cheapest price of $754 for a discount liability-only rate to a much higher rate of $3,686 for a high-risk insurance policy.
Insurance Price Range by Location
Your location has a significant impact on the price of insurance. Rural locations are statistically proven to have more infrequent collision claims than cities with more traffic congestion.
The price range example below illustrates how rural and urban location affects auto insurance prices.
These rate differences demonstrate why anyone shopping for car insurance should compare rates using their specific location and their own driving history, rather than relying on averaged prices.
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 details estimated Subaru Ascent insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $988
- Drivers who choose higher $1,000 deductibles will pay $176 annually
- The average price for a 40-year-old good driver who chooses $500 deductibles is $1,688
- Selecting more expensive low deductibles for comprehensive and collision insurance increases the price to $2,032
- High risk drivers with serious driving violations could pay around $3,686 or more
- An auto insurance policy to insure a teen driver with full coverage can cost $6,748 a year
Insurance prices for a Subaru Ascent also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model of your Ascent.
Choosing higher comprehensive and collision insurance deductibles could save up to $520 each year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $609 more each year. View Rates by Deductible or Liability Limit
An older driver with no violations or accidents and higher deductibles could pay as little as $1,600 per year on average, or $133 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay in the ballpark of $6,700 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you may be forking out anywhere from $2,000 to $2,900 additional annually, depending on your age. High-risk driver insurance can cost anywhere from 43% to 131% more than the average policy. View High Risk Driver Rates
Where you choose to live makes a big difference in Subaru Ascent insurance rates. A 40-year-old driver could pay as low as $1,210 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,280 on average in New York, Michigan, and Florida.
| 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% |
With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to compare prices from as many companies as possible. Every company calculates prices differently, and prices will be substantially different.
| 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 Shop for More Affordable Subaru Ascent Insurance
Finding better rates on Subaru Ascent insurance not only requires having a decent driving record, but also having above-average credit, being claim-free, and qualifying for all possible discounts. Set aside time to shop around at least every other year by requesting quotes from direct companies, and also from insurance agencies where you live.
The following items are a summary of the car insurance concepts raised in the charts and tables above.
- High-risk drivers who have multiple accidents or major violations could be forced to pay on average $2,000 more per year than a driver with a clean driving record
- You may be able to save around $200 per year simply by shopping early and online
- Increasing policy deductibles could save as much as $525 each year
- Drivers who purchase additional liability coverage will pay approximately $740 every year to go from 30/60 bodily injury limits to a 250/500 level
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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