Subaru Ascent Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Mar 28, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Average insurance rates for a Subaru Ascent are $1,742 a year with 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. Teens receive the highest rates at up to $6,868 a year.
Average premium for full coverage: $1,742
Rate estimates by individual coverage type:
Rate estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. 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 low as $726 for minimum levels of liability insurance to the much higher price of $3,800 for a policy for a high-risk driver.
Price Range by Location
Where you live can make a big difference on the price of insurance. Rural locations tend to have a lower frequency of 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 prices using their specific location and risk profile, instead of making a decision based on 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.
Additional Rate Details
The chart below details average Subaru Ascent insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $1,015
- Using higher $1,000 deductibles will save $196 annually
- The average rate for a 40-year-old driver who chooses $500 deductibles is $1,742
- Selecting pricier low deductibles for physical damage coverage will increase the cost to $2,124
- High-risk insureds with serious driving violations could pay around $3,800
- The cost for full coverage for 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 your driver profile, the trim level and model year, and physical damage deductibles and liability limits.
A more mature driver with no violations or accidents and high deductibles may pay as low as $1,600 a year for full coverage. Rates are much higher for teen drivers, where even good drivers 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 $1,250 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,350 on average in New York, Michigan, and Florida.
| 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% |
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $580 annually, whereas buying more liability protection will push rates upward. Moving from a 50/100 limit to a 250/500 limit will cost as much as $579 more each year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause 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 can be from 42% to 134% more than the average policy. View High Risk Driver Rates
| 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 Best Subaru Ascent Insurance
Saving money on insurance for a Subaru Ascent requires being a low-risk driver, having a good credit history, eliminating unnecessary coverage, and consideration of higher deductibles. Invest the time to compare rates every year by getting rate quotes from direct companies like GEICO and Progressive, and also from several local insurance agents.
The items below are a brief recap of the coverage data presented in the illustrations above.
- You may be able to save around $210 per year just by quoting online well ahead of the renewal date
- Increasing deductibles can save around $575 each year
- Teen drivers are the costliest to insure, with premiums as much as $572 per month including comprehensive and collision insurance
- Drivers considered higher risk who tend to receive serious violations pay on average $2,060 more per year to insure their Ascent
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.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
