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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Average insurance prices for a Subaru Ascent are $1,688 every 12 months with full coverage. Comprehensive insurance costs an estimated $250, collision insurance costs $524, and liability costs $676. Liability-only coverage costs as little as $754 a year, and high-risk coverage costs $3,686 or more. Teenage drivers receive the highest rates at up to $6,748 a year.
Average premium for full coverage: $1,688
Rate estimates broken down by individual coverage type:
These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all U.S. states and for different Ascent trim levels.
Price Range by Coverage and Risk
For a driver in their 40's, prices range range from the cheapest price of $754 for minimum levels of liability insurance to a much higher rate of $3,686 for a driver who requires high-risk insurance.
Price Range by Location
Your location can have significant affects on car insurance rates. More rural locations tend to have more infrequent collision claims than densely populated cities. The price range example below illustrates how location helps determine insurance prices.
These examples demonstrate why anyone shopping for car insurance should compare rates for a targeted area and their own driving history, instead of using 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.
Additional Rate Details
The chart below details average Subaru Ascent insurance rates for other coverage scenarios.
- The best discount rate is $988
- Drivers who choose higher $1,000 deductibles will pay approximately $176 annually
- The average price for a 40-year-old driver who has $500 deductibles is $1,688
- Using more expensive low deductibles for comprehensive and collision insurance costs an extra $344 every year
- Higher-risk drivers who are prone to accidents and violations could pay up to $3,686
- The cost to insure a teen driver with full coverage can cost as much as $6,748 a year
Car insurance rates for a Subaru Ascent can also vary considerably based on policy deductibles and limits, your driving record, and the model year and trim level.
Using high physical damage deductibles could save up to $520 every year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $609 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles may pay as little as $1,600 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged at least $6,700 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you may be forking out $2,000 to $2,900 extra per year, depending on your age. High-risk driver insurance can cost as much as 43% to 131% more than a normal policy. View High Risk Driver Rates
Where you live makes a big difference in Subaru Ascent insurance prices. A 40-year-old driver could pay as low as $1,210 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $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% |
| 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 Cheap Subaru Ascent Insurance
Saving money on car insurance not only requires avoiding accidents and claims, but also maintaining a good credit score, eliminating unnecessary coverage, and possibly higher deductibles. Invest time comparing rates at every other renewal by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The points below are a brief summary of the concepts that were covered in the charts and tables above.
- Higher risk drivers that tend to have accidents or serious violations may pay on average $2,000 more annually to insure a Subaru Ascent
- Drivers under the age of 20 have the highest car insurance rates, with premiums as much as $562 per month if the policy includes full coverage
- You may be able to save approximately $200 per year just by shopping early and online
- Increasing deductibles could save as much as $525 each year
- You may be able to save approximately $200 per year just by shopping early and online
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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