Subaru Ascent Insurance Rates

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UPDATED: Mar 28, 2024

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Average insurance rates for a Subaru Ascent are $1,688 a year for full coverage. Comprehensive insurance costs approximately $250 a year, collision insurance costs $524, and liability insurance costs $676. Buying just liability costs as little as $754 a year, and insurance for high-risk drivers costs $3,686 or more. Teens receive the highest rates at up to $6,748 a year.

Average premium for full coverage: $1,688

Rate estimates by individual coverage type:

Comprehensive $250
Collision $524
Liability $676

Rate estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all states and Ascent trim levels.

Price Range by Coverage and Risk

For a driver in their 40's, prices range range from the low end price of $754 for just liability insurance to a high of $3,686 for a driver who requires high-risk insurance.

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

Price Range by Location

Your location has a significant impact on car insurance rates. Rural locations tend to have lower incidents of accident claims than cities with more traffic congestion. The diagram below illustrates how location helps determine auto insurance prices.

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

These examples show why it is important to compare rates using their specific location, 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 shows average Subaru Ascent insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $988
  • Drivers who choose higher $1,000 deductibles will pay $1,512 a year
  • The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,688
  • Selecting low $100 deductibles for comprehensive and collision insurance will cost an additional $344 a year
  • High risk drivers with serious driving violations could pay around $3,686
  • The cost that insures a teen driver can cost $6,748 a year

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

Auto insurance rates for a Subaru Ascent can also vary considerably based on the trim level of your Ascent, how you drive, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you could be paying anywhere from $2,000 to $2,900 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 131% more than the average policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,600 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay in the ballpark of $6,700 a year. View Rates by Age

Where you live makes a big difference in Subaru Ascent insurance rates. A 40-year-old driver could pay as low as $1,110 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,410 on average in New York, Louisiana, and Michigan.

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

Choosing higher comprehensive and collision insurance deductibles could save up to $520 each year, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $609 extra every year. 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 the Best Subaru Ascent Insurance

Saving money on Subaru Ascent insurance not only requires having a good driving record, but also maintaining a good credit score, eliminating unneeded coverage, and possibly higher deductibles. Compare rates at every other renewal by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The next list is a brief recap of the concepts that were covered in the charts and tables above.

  • High-risk drivers who tend to receive serious violations could be forced to pay on average $2,000 more per year to buy Subaru Ascent insurance
  • Drivers age 20 and younger have the highest car insurance rates, costing as high as $562 per month if the policy includes full coverage
  • Drivers can save around $200 per year just by quoting early and online
  • Increasing deductibles can save approximately $525 each year
  • Drivers can save around $200 per year just by quoting early and online

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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