Subaru Ascent Insurance Rates

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

Average premium for full coverage: $1,688

Rate estimates by individual coverage type:

Rates are based on $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and for different Ascent trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on the price of insurance. Rural locations tend to have a lower frequency of collision claims than densely populated cities. The price range example below illustrates how location impacts auto insurance prices.

These examples demonstrate why anyone shopping for car insurance should compare rates using their specific location and risk profile, rather than using average rates.

Use the form below to get customized rates for your location.

Additional Rate Information

The chart below details average Subaru Ascent insurance rates for additional coverage and risk scenarios.

• The best discount rate is $988
• Drivers who choose higher $1,000 deductibles will pay $176 annually
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,688
• Using more expensive low deductibles for comprehensive and collision insurance will cost an extra $344 each year
• High-risk insureds who are prone to accidents and violations could pay around $3,686
• The cost for full coverage for a teenage driver with full coverage can cost $6,748 a year

View Chart as Image

Insurance rates for a Subaru Ascent can also vary considerably based on your driver profile, the trim level and model year, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high deductibles may only pay around $1,600 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect 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 $1,210 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,280 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $520 a year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will cost as much as $609 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out anywhere from $2,000 to $2,900 extra per year, depending on your age. High-risk driver insurance can cost around 43% to 131% more than a normal policy. View High Risk Driver Rates

How to Find the Best Cheap Subaru Ascent Insurance

Saving money on auto insurance not only requires having a decent driving record, but also maintaining good credit, eliminating unnecessary coverage, and possibly raising deductibles. Spend time shopping around every other policy renewal by obtaining price quotes from direct companies like GEICO and Progressive, and also from several local insurance agents.

The following items are a quick review of the ideas that were touched on above.

• 16 to 18-year-old drivers are expensive to insure, with premiums as much as $562 per month for full coverage
• Drivers with a DUI or reckless driving violation pay on average $2,000 more per year than a driver with a clean driving record
• Increasing deductibles can save around $525 each year
• You may be able to save around $200 per year just by shopping early and online