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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Estimated insurance rates for a Subaru Ascent are $1,688 a year for full coverage. Comprehensive insurance costs on average $250 a year, collision costs $524, and liability costs $676. Liability-only coverage costs as little as $754 a year, with high-risk coverage costing $3,686 or more. 16-year-old drivers pay the most at $6,748 a year or more.
Average premium for full coverage: $1,688
Premium estimates by type of coverage:
Price estimates include $500 deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all states and Ascent trim levels.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Subaru Ascent go from the low end price of $754 for a discount liability-only rate to a high of $3,686 for a high-risk driver policy.
Insurance Price Range by Location
Your location can have significant affects on car insurance rates. Rural areas are statistically proven to have lower incidents of accident claims than congested cities.
The diagram below illustrates how where you live affects car insurance rates.
These rate differences show why it is important to compare rates based on a specific location, instead of using rate 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.
Rates by State, City, and Model
The chart below shows estimated Subaru Ascent insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $988
- Drivers who choose higher $1,000 deductibles will pay around $1,512 a year
- The estimated price for a 40-year-old good driver with $500 deductibles is $1,688
- Buying low $100 deductibles for comprehensive and collision insurance will cost an additional $344 every year
- Higher-risk drivers with multiple tickets or accidents could pay upwards of $3,686 or more
- An auto insurance policy that insures a teen driver may cost $6,748 a year
Insurance prices for a Subaru Ascent also have a wide range based on the trim level of your Ascent, how you drive, and policy deductibles and limits.
If you have a few violations or you caused an accident, you could be paying at a minimum $2,000 to $2,900 extra annually, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 131% more than the average rate. View High Risk Driver Rates
Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,600 per year on average, or $133 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay upwards of $6,700 a year. View Rates by Age
Where you choose to live 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 at least $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% |
Opting for high physical damage deductibles could save up to $520 every year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $609 more per year. View Rates by Deductible or Liability Limit
With such a large range in prices, the only way to know exactly what you will pay is to get quotes and see which company has the best price. Every company utilizes a different rate formula, so the prices will be substantially different.
| 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 Cheaper Subaru Ascent Insurance
Finding better rates on car insurance not only requires not taking risks behind the wheel, but also having above-average credit, not filing small claims, and bundling your home and auto policies. Comparison shop every time your policy renews by getting price quotes from direct carriers, and also from local exclusive and independent agents.
The following is a condensed summary of the information touched on in the above illustrations.
- Drivers can save as much as $200 per year simply by quoting early and online
- Teens pay the highest prices, as much as $562 per month if full coverage is included
- Increasing policy deductibles can save approximately $525 each year
- Higher risk drivers with multiple at-fault accidents may pay on average $2,000 more each year for Ascent insurance
- Policyholders who require higher liability limits will pay around $740 each year to go from 30/60 bodily injury limits to the 250/500 level
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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