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 insurance costs on average $250, collision costs $524, and liability costs around $676. Liability-only insurance costs as low as $754 a year, with high-risk driver insurance costing $3,686 or more. Teen drivers pay the highest rates at $6,748 a year or more.
Average premium for full coverage: $1,688
Price estimates by individual coverage:
Estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and for all Ascent models.
Price Range from Low to High
Using a 40-year-old driver as an example, Subaru Ascent insurance prices go from as cheap as $754 for minimum levels of liability insurance to the much higher price of $3,686 for a driver who has had serious violations or accidents.
Geographic Price Range
Where you live can make a big difference on car insurance rates. Rural areas have fewer accident claims than larger metro areas.
The example below illustrates how rural and urban location affects car insurance rates.
The ranges above show why everyone should compare prices based on a specific location and their own personal driving habits, instead of making a decision based on price averages.
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 shows estimated Subaru Ascent insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $988
- Using higher $1,000 deductibles will save around $176 a year
- The estimated rate for the average middle-age driver with $500 deductibles is $1,688
- Choosing pricier low deductibles for physical damage coverage costs an additional $344 annually
- High-risk insureds with multiple violations and an at-fault accident could pay upwards of $3,686 or more
- The price with full coverage for a 16-year-old driver for full coverage may cost $6,748 or more
Car insurance prices for a Subaru Ascent are also quite variable based on the trim level and model year, your driver profile, and policy deductibles and limits.
A more mature driver with no driving violations and high physical damage deductibles may pay as low as $1,600 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged upwards 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 at a minimum $2,000 to $2,900 extra each year, depending on your age. Subaru Ascent insurance for high-risk drivers can be from 43% to 131% more than average. View High Risk Driver Rates
Choosing high deductibles could cut prices by as much as $520 annually, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury 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
The state you live in has a huge impact on Subaru Ascent insurance prices. A driver around age 40 might see prices as low as $1,110 a year in states like Idaho, Maine, and Iowa, or as much as $2,410 on average in Michigan, Louisiana, 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% |
Since prices can be so different, the only way to know exactly what you will pay is to regularly compare prices from multiple companies. Each insurance company uses a different rate calculation, so rate quotes may be quite different between companies.
| 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 Low Cost Subaru Ascent Insurance
Getting lower rates on insurance for a Subaru Ascent requires not taking risks behind the wheel, having a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Set aside time to shop around every other policy renewal by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.
The following is a review of the ideas that were raised in the charts and tables above.
- Teens are expensive to insure, with premiums as much as $562 a month if comprehensive and collision insurance is included
- Drivers considered higher risk who have several accidents or serious violations may be required to pay an average of $2,000 more each year for Ascent insurance
- Increasing physical damage deductibles could save up to $525 each year
- Drivers can save as much as $200 per year simply by quoting online well ahead of the renewal date
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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