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 auto insurance rates for a Subaru Ascent are $1,688 annually for full coverage. Comprehensive costs approximately $250 a year, collision insurance costs $524, and liability is estimated at $676. A policy with just liability insurance costs approximately $754 a year, and coverage for high-risk drivers costs around $3,686. 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:
These estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all states and Ascent trim levels.
Price Range from Low to High
For the average 40-year-old driver, Subaru Ascent insurance prices range from as cheap as $754 for a discount liability-only rate to a high of $3,686 for a driver who requires high-risk insurance.
Geographic Price Range
Living in a larger city can make a big difference on car insurance rates. Rural locations have fewer accident claims than densely populated cities. The diagram below illustrates the difference location can make on auto insurance prices.
The ranges above show why it is important to get quotes using their specific location and their own personal driving habits, 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.
Rates by State, City, and Model
The chart below shows average Subaru Ascent insurance rates for additional coverage and risk scenarios.
- The best discount rate is $988
- Choosing higher $1,000 deductibles can save $1,512 a year
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,688
- Using low $100 deductibles for comp and collision coverage will cost $2,032
- Higher-risk drivers who are prone to accidents and violations could pay around $3,686
- The price with full coverage for a 16-year-old driver can cost $6,748 each year
Insurance prices for a Subaru Ascent are also quite variable based on the trim level and model year, your driver profile, and physical damage deductibles and liability limits.
Older drivers with a clean driving record and high physical damage deductibles may pay as low as $1,600 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay in the ballpark of $6,700 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you could be paying anywhere from $2,000 to $2,900 extra each year, depending on your age. A high-risk auto insurance policy ranges from 43% to 131% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can save as much as $520 annually, while buying higher liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $609 more per year. View Rates by Deductible or Liability Limit
The state you live in plays a big part in determining prices for Subaru Ascent insurance prices. A good driver about age 40 could pay as low as $1,110 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,410 on average in New York, Louisiana, 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% |
| 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 Buy Cheap Subaru Ascent Insurance
Getting lower rates on insurance for a Subaru Ascent takes not taking risks behind the wheel, having a good credit history, eliminating unnecessary coverage, and possibly raising deductibles. Make time to compare rates at every other renewal by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The following is a brief summary of the concepts that were touched on in this article.
- Drivers considered higher risk that tend to have accidents or serious violations pay on average $2,000 more per year for Ascent insurance
- Teens are expensive to insure, with premiums as much as $562 a month including comprehensive and collision insurance
- Drivers can save around $200 per year just by quoting early and online
- Increasing physical damage deductibles could save up to $525 each year
- Drivers can save around $200 per year just 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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