Subaru Ascent Insurance Rates
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UPDATED: Mar 28, 2024
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Average auto insurance rates for a Subaru Ascent are $1,726 annually with full coverage. Comprehensive costs approximately $260, collision insurance costs $564, and liability is $664. A policy with just liability insurance costs around $744 a year, and coverage for high-risk drivers costs around $3,772. Teens receive the highest rates at up to $6,860 a year.
Average premium for full coverage: $1,726
Rate estimates by individual coverage type:
Rate estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and for all Ascent models.
Price Range by Coverage and Risk
For the normal driver, prices range range from as cheap as $744 for just liability insurance to the much higher price of $3,772 for high-risk insurance.
Price Range by Location
Choosing to live in a large city can have significant affects on the price of insurance. Rural locations tend to have fewer collision claims than cities with more traffic congestion. The example below illustrates how geographic area affects auto insurance prices.
These examples demonstrate why everyone should compare rates quotes using their specific location and their own personal driving habits, instead of using 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 details average Subaru Ascent insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $1,006
- Raising to $1,000 deductibles will save $186 annually
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,726
- Selecting pricier low deductibles will cost $2,094
- At-risk drivers with serious driving violations could pay around $3,772
- The cost with full coverage for a teen driver for full coverage can cost $6,860
Insurance rates for a Subaru Ascent can also vary considerably based on the trim level of your Ascent, your driving record, and physical damage deductibles and liability limits.
A more mature driver with no violations or accidents and high physical damage deductibles may pay as little as $1,600 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $6,800 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out anywhere from $2,100 to $2,900 additional per year, depending on your age. Subaru Ascent insurance for high-risk drivers is expensive and can cost as much as 42% to 135% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $560 every year, whereas buying more liability protection will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $597 more each year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Subaru Ascent insurance prices. A middle-age driver might find rates as low as $1,240 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,330 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,560 | -$166 | -9.6% |
| Alaska | $1,320 | -$406 | -23.5% |
| Arizona | $1,430 | -$296 | -17.1% |
| Arkansas | $1,726 | -$0 | 0.0% |
| California | $1,968 | $242 | 14.0% |
| Colorado | $1,650 | -$76 | -4.4% |
| Connecticut | $1,772 | $46 | 2.7% |
| Delaware | $1,952 | $226 | 13.1% |
| Florida | $2,158 | $432 | 25.0% |
| Georgia | $1,594 | -$132 | -7.6% |
| Hawaii | $1,238 | -$488 | -28.3% |
| Idaho | $1,170 | -$556 | -32.2% |
| Illinois | $1,286 | -$440 | -25.5% |
| Indiana | $1,302 | -$424 | -24.6% |
| Iowa | $1,168 | -$558 | -32.3% |
| Kansas | $1,638 | -$88 | -5.1% |
| Kentucky | $2,354 | $628 | 36.4% |
| Louisiana | $2,556 | $830 | 48.1% |
| Maine | $1,066 | -$660 | -38.2% |
| Maryland | $1,424 | -$302 | -17.5% |
| Massachusetts | $1,380 | -$346 | -20.0% |
| Michigan | $2,994 | $1,268 | 73.5% |
| Minnesota | $1,446 | -$280 | -16.2% |
| Mississippi | $2,064 | $338 | 19.6% |
| Missouri | $1,534 | -$192 | -11.1% |
| Montana | $1,854 | $128 | 7.4% |
| Nebraska | $1,358 | -$368 | -21.3% |
| Nevada | $2,068 | $342 | 19.8% |
| New Hampshire | $1,240 | -$486 | -28.2% |
| New Jersey | $1,928 | $202 | 11.7% |
| New Mexico | $1,530 | -$196 | -11.4% |
| New York | $1,816 | $90 | 5.2% |
| North Carolina | $996 | -$730 | -42.3% |
| North Dakota | $1,412 | -$314 | -18.2% |
| Ohio | $1,190 | -$536 | -31.1% |
| Oklahoma | $1,770 | $44 | 2.5% |
| Oregon | $1,582 | -$144 | -8.3% |
| Pennsylvania | $1,646 | -$80 | -4.6% |
| Rhode Island | $2,302 | $576 | 33.4% |
| South Carolina | $1,564 | -$162 | -9.4% |
| South Dakota | $1,456 | -$270 | -15.6% |
| Tennessee | $1,508 | -$218 | -12.6% |
| Texas | $2,078 | $352 | 20.4% |
| Utah | $1,278 | -$448 | -26.0% |
| Vermont | $1,182 | -$544 | -31.5% |
| Virginia | $1,034 | -$692 | -40.1% |
| Washington | $1,332 | -$394 | -22.8% |
| West Virginia | $1,582 | -$144 | -8.3% |
| Wisconsin | $1,196 | -$530 | -30.7% |
| Wyoming | $1,534 | -$192 | -11.1% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Subaru Ascent | $306 | $630 | $584 | $1,758 |
| 2023 Subaru Ascent | $294 | $626 | $598 | $1,756 |
| 2022 Subaru Ascent | $284 | $610 | $624 | $1,756 |
| 2021 Subaru Ascent | $274 | $586 | $644 | $1,742 |
| 2020 Subaru Ascent | $260 | $564 | $664 | $1,726 |
| 2019 Subaru Ascent | $250 | $524 | $676 | $1,688 |
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 Buy the Best Subaru Ascent Insurance
Saving money on car insurance consists of having a decent driving record, having good credit, eliminating unnecessary coverage, and consideration of higher deductibles. Invest the time to compare rates every couple of years by getting rate quotes from direct companies like Progressive and GEICO, and also from your local independent and exclusive agents.
The following items are a brief recap of the material that was presented in the illustrations above.
- Policyholders who purchase additional liability coverage will pay approximately $730 every year to raise from a minimum limit to higher 250/500 limits
- 16 to 18-year-old drivers are the costliest to insure, with premiums as much as $572 per month if they have full coverage
- Higher risk drivers who tend to receive serious violations may pay on average $2,050 more per year than a driver with a clean driving record
- Increasing deductibles could save up to $550 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,860 |
| 20 | $4,046 |
| 30 | $1,774 |
| 40 | $1,726 |
| 50 | $1,584 |
| 60 | $1,556 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,094 |
| $250 | $1,920 |
| $500 | $1,726 |
| $1,000 | $1,540 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,726 |
| 50/100 | $1,859 |
| 100/300 | $2,025 |
| 250/500 | $2,456 |
| 100 CSL | $1,925 |
| 300 CSL | $2,290 |
| 500 CSL | $2,556 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,728 |
| 20 | $6,456 |
| 30 | $3,822 |
| 40 | $3,772 |
| 50 | $3,610 |
| 60 | $3,576 |
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 | $89 |
| Multi-vehicle | $95 |
| Homeowner | $28 |
| 5-yr Accident Free | $121 |
| 5-yr Claim Free | $111 |
| Paid in Full/EFT | $73 |
| Advance Quote | $84 |
| Online Quote | $119 |
| Total Discounts | $720 |
Discounts are estimated and may not be available from every company or in every state.
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