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 prices for a Subaru Ascent are $1,688 every 12 months with full coverage. Comprehensive costs around $250, collision insurance costs $524, and liability insurance is $676. Buying just liability costs around $754 a year, and insurance for high-risk drivers costs around $3,686. Teens pay the highest rates at up to $6,748 a year.
Average premium for full coverage: $1,688
Price estimates for individual coverage:
Estimates include $500 deductible amounts, 30/60 split liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for all Ascent models.
Price Range from Low to High
For the average driver, Subaru Ascent insurance prices range from the cheapest price of $754 for just liability insurance to the much higher price of $3,686 for a high-risk insurance policy.
Geographic Price Range
Choosing to live in a large city has a significant impact on insurance rates. Areas with sparse population have more infrequent collision claims than cities with more traffic congestion. The example below illustrates how location impacts auto insurance rates.
The ranges above demonstrate why everyone should compare rates quotes for a specific zip code 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.
More Rate Details
The chart below details average Subaru Ascent insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $988
- Raising to $1,000 deductibles will save about $176 annually
- The average price for the average middle-age driver using $500 deductibles is $1,688
- Selecting pricier low deductibles increases the price to $2,032
- Higher-risk drivers with serious driving violations could pay at least $3,686
- The price to insure a teen driver for full coverage can be $6,748
Insurance prices for a Subaru Ascent are also quite variable based on deductibles and policy limits, your driving record, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $520 each year, whereas buying more liability protection will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $609 more each year. View Rates by Deductible or Liability Limit
A more mature driver with no violations or accidents and higher deductibles could pay as little as $1,600 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay as much as $6,700 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you may be forking out at least $2,000 to $2,900 additional each year, depending on your age. Subaru Ascent insurance for high-risk drivers is expensive and can cost anywhere from 43% to 131% more than the average policy. View High Risk Driver Rates
The state you live in also has a big influence on Subaru Ascent insurance rates. A middle-age driver might find prices as low as $1,210 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $2,280 on average in Florida, Michigan, and New York.
| 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 Low Cost Subaru Ascent Insurance
Getting lower rates on Subaru Ascent insurance consists of having a good driving record, having above-average credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Spend time shopping around at least every other year by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The next list is a review of the car insurance concepts touched on above.
- High-risk drivers who have several accidents or serious violations pay on average $2,000 more every year to buy Subaru Ascent insurance
- You may be able to save up to $200 per year just by quoting online well ahead of the renewal date
- Increasing physical damage deductibles could save as much as $525 each year
- Drivers who may need increased levels of liability coverage will pay approximately $740 every year to raise from a low limit 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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