Subaru Ascent Insurance Rates
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UPDATED: Mar 28, 2024
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Average insurance rates for a Subaru Ascent are $1,742 a year for full coverage. Comprehensive costs approximately $274, collision insurance costs $586, and liability costs around $644. A policy with just liability insurance costs as low as $726 a year, and coverage for high-risk drivers costs around $3,800. Teenage drivers receive the highest rates at up to $6,868 a year.
Average premium for full coverage: $1,742
Rate estimates by individual coverage type:
Prices include $500 policy deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and for all Ascent models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range range from the low end price of $726 for minimum levels of liability insurance to the much higher price of $3,800 for coverage for higher-risk drivers.
Price Range by Location
Where you live can make a big difference on car insurance rates. Rural locations tend to have lower incidents of accident claims than densely populated cities. The example below illustrates how rural and urban location affects auto insurance prices.
These examples show why everyone should compare prices using their specific location, instead of making a decision based on average rates.
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.
Additional Rate Details
The chart below shows average Subaru Ascent insurance rates for additional coverage and risk scenarios.
- The best discount rate is $1,015
- Using higher $1,000 deductibles will save $196 a year
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,742
- Using pricier low deductibles for physical damage coverage bumps up the cost to $2,124
- High-risk insureds who are prone to accidents and violations could pay around $3,800
- The cost that insures a 16-year-old driver for full coverage can cost $6,868 or more
Insurance rates for a Subaru Ascent can also vary considerably based on the model of your Ascent, how you drive, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you could be paying anywhere from $2,100 to $2,900 additional per year, depending on your age. Subaru Ascent insurance for high-risk drivers can be from 42% to 134% more than a normal policy. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,600 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $6,800 a year. View Rates by Age
Where you live has a huge impact on Subaru Ascent insurance prices. A driver around age 40 might see rates as low as $1,150 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,480 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,574 | -$168 | -9.6% |
| Alaska | $1,334 | -$408 | -23.4% |
| Arizona | $1,444 | -$298 | -17.1% |
| Arkansas | $1,742 | -$0 | 0.0% |
| California | $1,984 | $242 | 13.9% |
| Colorado | $1,662 | -$80 | -4.6% |
| Connecticut | $1,790 | $48 | 2.8% |
| Delaware | $1,970 | $228 | 13.1% |
| Florida | $2,176 | $434 | 24.9% |
| Georgia | $1,608 | -$134 | -7.7% |
| Hawaii | $1,248 | -$494 | -28.4% |
| Idaho | $1,180 | -$562 | -32.3% |
| Illinois | $1,298 | -$444 | -25.5% |
| Indiana | $1,314 | -$428 | -24.6% |
| Iowa | $1,178 | -$564 | -32.4% |
| Kansas | $1,654 | -$88 | -5.1% |
| Kentucky | $2,374 | $632 | 36.3% |
| Louisiana | $2,580 | $838 | 48.1% |
| Maine | $1,076 | -$666 | -38.2% |
| Maryland | $1,436 | -$306 | -17.6% |
| Massachusetts | $1,392 | -$350 | -20.1% |
| Michigan | $3,022 | $1,280 | 73.5% |
| Minnesota | $1,460 | -$282 | -16.2% |
| Mississippi | $2,084 | $342 | 19.6% |
| Missouri | $1,548 | -$194 | -11.1% |
| Montana | $1,870 | $128 | 7.3% |
| Nebraska | $1,372 | -$370 | -21.2% |
| Nevada | $2,086 | $344 | 19.7% |
| New Hampshire | $1,254 | -$488 | -28.0% |
| New Jersey | $1,946 | $204 | 11.7% |
| New Mexico | $1,542 | -$200 | -11.5% |
| New York | $1,834 | $92 | 5.3% |
| North Carolina | $1,002 | -$740 | -42.5% |
| North Dakota | $1,424 | -$318 | -18.3% |
| Ohio | $1,202 | -$540 | -31.0% |
| Oklahoma | $1,786 | $44 | 2.5% |
| Oregon | $1,596 | -$146 | -8.4% |
| Pennsylvania | $1,662 | -$80 | -4.6% |
| Rhode Island | $2,322 | $580 | 33.3% |
| South Carolina | $1,578 | -$164 | -9.4% |
| South Dakota | $1,472 | -$270 | -15.5% |
| Tennessee | $1,524 | -$218 | -12.5% |
| Texas | $2,096 | $354 | 20.3% |
| Utah | $1,286 | -$456 | -26.2% |
| Vermont | $1,192 | -$550 | -31.6% |
| Virginia | $1,042 | -$700 | -40.2% |
| Washington | $1,346 | -$396 | -22.7% |
| West Virginia | $1,596 | -$146 | -8.4% |
| Wisconsin | $1,206 | -$536 | -30.8% |
| Wyoming | $1,550 | -$192 | -11.0% |
Using high physical damage deductibles could cut rates by as much as $580 annually, whereas buying more liability protection will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $579 more each year. View Rates by Deductible or Liability Limit
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Subaru Ascent | $322 | $656 | $558 | $1,774 |
| 2023 Subaru Ascent | $306 | $630 | $584 | $1,758 |
| 2022 Subaru Ascent | $294 | $626 | $598 | $1,756 |
| 2021 Subaru Ascent | $284 | $610 | $624 | $1,756 |
| 2020 Subaru Ascent | $274 | $586 | $644 | $1,742 |
| 2019 Subaru Ascent | $260 | $564 | $664 | $1,726 |
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 the Right Subaru Ascent Insurance
Saving money on insurance for a Subaru Ascent requires being a good driver, having a good credit score, eliminating unneeded coverage, and consideration of higher deductibles. Compare prices at least once a year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The following list is a quick rundown of the primary concepts that were raised in the charts and tables above.
- Drivers can save around $210 per year just by quoting online well ahead of the renewal date
- Drivers considered higher risk with reckless driving or DUI convictions could be forced to pay on average $2,060 more per year than a safer driver
- Increasing deductibles can save approximately $575 each year
- Drivers age 16 to 20 are the costliest to insure, costing as high as $572 per month if comprehensive and collision insurance is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,868 |
| 20 | $4,080 |
| 30 | $1,796 |
| 40 | $1,742 |
| 50 | $1,598 |
| 60 | $1,570 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,124 |
| $250 | $1,946 |
| $500 | $1,742 |
| $1,000 | $1,546 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,742 |
| 50/100 | $1,871 |
| 100/300 | $2,032 |
| 250/500 | $2,450 |
| 100 CSL | $1,935 |
| 300 CSL | $2,289 |
| 500 CSL | $2,547 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $9,744 |
| 20 | $6,502 |
| 30 | $3,856 |
| 40 | $3,800 |
| 50 | $3,636 |
| 60 | $3,602 |
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 | $90 |
| Multi-vehicle | $95 |
| Homeowner | $28 |
| 5-yr Accident Free | $123 |
| 5-yr Claim Free | $112 |
| Paid in Full/EFT | $74 |
| Advance Quote | $85 |
| Online Quote | $120 |
| Total Discounts | $727 |
Discounts are estimated and may not be available from every company or in every state.
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