Subaru Ascent Insurance Rates

The average insurance rates for a Subaru Ascent are $1,726 a year for full coverage. Comprehensive costs around $260 a year, collision insurance costs $564, and liability insurance costs around $664. Buying just liability costs as low as $744 a year, and insurance for high-risk drivers costs around $3,772. Teen drivers cost the most to insure at up to $6,860 a year.

Average premium for full coverage: $1,726

Policy rates for type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, 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

Where you live has a significant impact on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than larger metro areas. The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above show why it is important to compare prices for a specific zip code and risk profile, rather than relying on price averages.

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

Additional Rate Information

The chart below shows average Subaru Ascent insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $1,006
• Using higher $1,000 deductibles will save about $1,540 a year
• The average rate for a good driver age 40 using $500 deductibles is $1,726
• Choosing low $100 deductibles for physical damage coverage will increase the cost to $2,094
• Drivers with multiple violations and an at-fault accident could pay at least $3,772
• Policy cost for full coverage for a teen driver can be $6,860 or more

View Chart as Image

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

Older drivers with a clean driving record and high deductibles could pay as little as $1,600 a year, or $133 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay as much as $6,800 a year. View Rates by Age

Your home state has a huge impact on Subaru Ascent insurance rates. A driver around age 40 might see rates as low as $1,140 a year in states like Idaho, Maine, and Iowa, or as much as $2,460 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could cut rates by as much as $560 each year, while buying higher liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $597 more per year. 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 least $2,100 to $2,900 extra every year, depending on your age. A high-risk auto insurance policy can be anywhere from 42% to 135% more than average. View High Risk Driver Rates

How to Find More Affordable Subaru Ascent Insurance

Finding cheaper rates on Subaru Ascent insurance requires having a decent driving record, maintaining good credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Set aside time to compare rates once a year by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The following items are a summary of the data that was covered above.

• Drivers can save up to $200 per year just by quoting early and online
• Drivers who may need additional liability coverage will pay about $730 each year to increase from a 30/60 limit to 250/500 limits
• 16 to 18-year-old drivers pay higher rates, costing up to $572 each month for full coverage
• High-risk drivers who have multiple accidents or major violations may be required to pay an average of $2,050 more every year than a driver with a clean driving record