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 $1,688 a year with full coverage. Comprehensive insurance costs on average $250 a year, collision insurance costs $524, and liability is $676. Liability-only insurance costs around $754 a year, and high-risk driver insurance costs $3,686 or more. Teenage drivers pay the highest rates at up to $6,748 a year.

Average premium for full coverage: $1,688

Price estimates by individual coverage:

Comprehensive $250
Collision $524
Liability $676

Estimates include $500 policy deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and Ascent trim levels.

Price Range from Low to High

Using a middle-aged driver as an example, Subaru Ascent insurance prices range from the low end price of $754 for basic liability insurance to a high of $3,686 for a policy for a high-risk driver.

Liability Only $754
Full Coverage $1,688
High Risk $3,686

Geographic Price Range

Choosing to live in a large city can make a big difference on auto insurance rates. Rural areas have lower incidents of collision claims than densely populated cities. The diagram below illustrates how where you live affects car insurance rates.

Rural Areas $1,266
Small Cities $1,772
Large Cities $2,279

The ranges above demonstrate why it is important to compare rates quotes based on a specific location, 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.

Rate Comparisons

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

  • The best discount rate is $988
  • Raising to $1,000 deductibles will save around $1,512 annually
  • The estimated price for the average middle-age driver with $500 deductibles is $1,688
  • Using low $100 deductibles will cost an additional $344 annually
  • Drivers who are prone to accidents and violations could pay upwards of $3,686
  • The price that insures a 16-year-old driver may cost $6,748

View Chart as Image

Subaru Ascent insurance cost comparison chart
Column chart showing Subaru Ascent insurance prices range from $988 to $6,748 for full coverage

Car insurance prices for a Subaru Ascent are also quite variable based on the trim level of your Ascent, your age and driving habits, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you may be forking out at a minimum $2,000 to $2,900 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 131% more than a normal policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,600 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged upwards of $6,700 a year. View Rates by Age

The state you live in also has a big influence on Subaru Ascent insurance prices. A middle-age driver might find prices as low as $1,210 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,280 on average in Florida, Michigan, and New York.

Subaru Ascent Insurance Rates by State
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%

View Chart as Image

Subaru Ascent insurance rates by U.S. city

Using high physical damage deductibles can reduce prices by up to $520 annually, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury protection 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

Subaru Ascent Insurance Rates by Model Year
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 Low Cost Subaru Ascent Insurance

Getting lower rates on insurance for a Subaru Ascent consists of avoiding accidents and claims, having a positive credit history, avoid buying unnecessary coverage, and possibly raising deductibles. Compare prices every year by requesting rates from direct companies, and also from several local insurance agents.

The points below are a review of the coverage data touched on in the above illustrations.

  • You may be able to save as much as $200 per year just by quoting early and online
  • Increasing physical damage deductibles can save approximately $525 each year
  • Drivers under the age of 20 are expensive to insure, costing up to $562 a month if full coverage is purchased
  • Drivers considered higher risk who have several accidents or serious violations pay on average $2,000 more each year to insure a Subaru Ascent

Rates by Driver Age

Subaru Ascent Insurance 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

Subaru Ascent Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,032
$250 $1,870
$500 $1,688
$1,000 $1,512

Full coverage, driver age 40

Rates by Liability Limit

Subaru Ascent Insurance Rates with Different Liability Limits
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

Subaru Ascent Insurance 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.

SR-22 Surcharge $239

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
Rate after discounts $988

Discounts are estimated and may not be available from every company or in every state.

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