Subaru Ascent Insurance Rates

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

Average premium for full coverage: $1,688

Policy rates by type of insurance:

Prices include $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and Ascent trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than densely populated cities. The diagram below illustrates how location impacts car insurance rates.

The examples above show why it is important to compare rates based on a specific location and risk profile, instead of making a decision based on average rates.

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

Additional Rate Information

The chart below shows average Subaru Ascent insurance rates for different risk profiles and scenarios.

• The best discount rate is $988
• Drivers who choose higher $1,000 deductibles will pay around $1,512 a year
• The average rate for a good driver age 40 with $500 deductibles is $1,688
• Using low $100 deductibles for comprehensive and collision insurance will cost an extra $344 annually
• Drivers who are prone to accidents and violations could pay upwards of $3,686
• Policy cost for full coverage for a 16-year-old driver may cost $6,748 a year

View Chart as Image

Car insurance rates for a Subaru Ascent also range considerably based on your risk profile, the trim level of your Ascent, and policy deductibles and limits.

Older drivers with no driving violations and high deductibles may pay as low as $1,600 per year on average, or $133 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged upwards of $6,700 a year. View Rates by Age

Your home state makes a big difference in Subaru Ascent insurance prices. A 40-year-old driver could pay as low as $1,110 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,410 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could save up to $520 annually, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $609 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at a minimum $2,000 to $2,900 extra every year, depending on your age. A high-risk auto insurance policy can cost from 43% to 131% more than a normal policy. View High Risk Driver Rates

How to Find the Right Subaru Ascent Insurance

Finding cheaper rates on insurance for a Subaru Ascent not only requires being a good driver, but also having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Spend time shopping around every other policy renewal by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.

The following list is a quick rundown of the ideas that were touched on above.

• Drivers age 16 to 20 are expensive to insure, costing up to $562 each month if full coverage is included
• Drivers considered higher risk with reckless driving or DUI convictions will pay on average $2,000 more each year than a safer driver
• Increasing comprehensive and collision deductibles can save around $525 each year
• Drivers can save as much as $200 per year just by quoting early and online