Subaru Ascent Insurance Rates

U.S. average insurance rates for a Subaru Ascent are $1,688 a year for full coverage insurance. Comprehensive costs approximately $250 each year, collision insurance costs $524, and liability coverage costs around $676. A policy with just liability insurance costs as low as $754 a year, and coverage for high-risk drivers costs around $3,686. Teen drivers pay the highest rates at up to $6,748 a year.

Average premium for full coverage: $1,688

Price estimates by individual coverage:

Rates are based on $500 physical damage deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and Ascent models.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on the price of auto insurance. Rural locations have a lower frequency of physical damage claims than larger metro areas. The graphic below illustrates how where you live affects auto insurance prices.

The ranges above illustrate why all drivers should compare prices using their specific location and risk profile, rather than using price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $988
• Using higher $1,000 deductibles will save $176 each year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,688
• Choosing low deductibles for physical damage coverage will increase the cost to $2,032
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $3,686
• The price for full coverage for a teenage driver can cost $6,748 or more

View Chart as Image

Insurance prices for a Subaru Ascent are also quite variable based on your driving record, the model year and trim level, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high deductibles may only pay around $1,600 a year for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay in the ballpark of $6,700 a year. View Rates by Age

The state you live in has a huge impact on Subaru Ascent insurance rates. A driver around age 40 might see prices as low as $1,100 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $2,280 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles could cut prices by as much as $520 a year, whereas increasing liability limits will push prices upward. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $609 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying anywhere from $2,000 to $2,900 extra each year, depending on your age. Insurance for high-risk drivers can be around 43% to 131% more than average. View High Risk Driver Rates

How to Find the Best Cheap Subaru Ascent Insurance

Getting lower rates on auto insurance requires being a safe and courteous driver, maintaining good credit, not filing small claims, and possibly raising deductibles. Take the time to comparison shop every couple of years by getting quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

Below is a quick review of the material that was touched on in the above illustrations.

• Consumers who purchase higher levels of liability will pay about $740 annually to increase from a low limit to 250/500 limits
• Teenage drivers are expensive to insure, as much as $562 a month for full coverage
• Drivers with a DUI or reckless driving violation may pay on average $2,000 more per year for auto insurance
• Increasing physical damage deductibles can save around $525 each year