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 rates for a Subaru Ascent are $1,688 a year for full coverage insurance. Comprehensive insurance costs an estimated $250 a year, collision costs $524, and liability coverage costs around $676. Buying just liability costs as low as $754 a year, with insurance for high-risk drivers costing $3,686 or more. Teens pay the highest rates at $6,748 a year or more.
Average premium for full coverage: $1,688
Price estimates broken down by individual coverage:
Prices include $500 deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and Ascent trim levels.
Price Range from Low to High
For a 40-year-old driver, Subaru Ascent insurance prices go from as low as $754 for just liability insurance to a high of $3,686 for a driver who requires high-risk insurance.
Geographic Price Range
Where you live has a large influence on the price of insurance. More rural locations have a lower frequency of physical damage claims than cities with more traffic congestion.
The diagram below illustrates how your location can change insurance prices.
The ranges above illustrate why it is important to compare prices for a targeted area and risk profile, rather than using 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 illustrates estimated Subaru Ascent insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $988
- Using higher $1,000 deductibles will save approximately $1,512 each year
- The average rate for the average middle-age driver who has $500 deductibles is $1,688
- Selecting low $100 deductibles for physical damage coverage will cost an extra $344 each year
- Higher-risk drivers with serious driving violations could pay up to $3,686 or more
- The price for full coverage for a teenage driver can cost as much as $6,748 or more
Insurance prices for a Subaru Ascent are also quite variable based on your driving record, the model year and trim level, and liability limits and deductibles.
Older drivers with no violations or accidents and high deductibles may only pay around $1,600 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay at least $6,700 a year. View Rates by Age
The state you live in has a huge impact on Subaru Ascent insurance rates. A driver around age 40 might see prices as low as $1,100 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,280 on average in Florida, New York, and Michigan.
| 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% |
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $520 a year, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $609 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are probably paying $2,000 to $2,900 additional each year, depending on your age. A high-risk auto insurance policy can be around 43% to 131% more than the average policy. View High Risk Driver Rates
Since prices can be so different, the only way to figure out which car insurance is cheapest is to get quotes and see how they stack up. Each insurance company calculates prices differently, and prices may be quite different from one company to the next.
| 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 the Right Subaru Ascent Insurance
Getting lower rates on auto insurance requires not taking risks behind the wheel, having a good credit history, not filing small claims, and maximizing policy discounts. Invest the time to shop around at every other renewal by requesting rates from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.
The following is a quick rundown of the concepts that were illustrated above.
- Drivers with reckless driving or DUI convictions pay on average $2,000 more annually for Ascent insurance
- Teens are expensive to insure, as much as $562 a month including comprehensive and collision insurance
- It is possible to save approximately $200 per year simply by quoting early and online
- Increasing physical damage deductibles can save around $525 each year
- It is possible to save approximately $200 per year simply by quoting 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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