Subaru Ascent Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Mar 28, 2024

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Estimated insurance rates for a Subaru Ascent are $1,726 a year with full coverage. Comprehensive insurance costs approximately $260, collision costs $564, and liability is $664. A liability-only policy costs around $744 a year, with high-risk insurance costing $3,772 or more. 16-year-old drivers pay the most at $6,860 a year or more.

Average premium for full coverage: $1,726

Premium estimates by type of coverage:

Comprehensive $260
Collision $564
Liability $664

Rates are based on $500 policy deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and for all Ascent models.

Insurance Price Range by Risk and Coverage

For a driver in their 40's, insurance rates for a Subaru Ascent go from the low end price of $744 for your basic liability-only policy to the much higher price of $3,772 for a high-risk driver policy.

Liability Only $744
Full Coverage $1,726
High Risk $3,772

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on the price of insurance. Rural locations are statistically proven to have lower incidents of collision claims than congested cities.

The example below illustrates how location helps determine auto insurance prices.

Rural Areas $1,295
Small Cities $1,812
Large Cities $2,330

These rate differences demonstrate why everyone should compare rates quotes using their specific location, instead of using rate averages.

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 Information

The chart below details estimated Subaru Ascent insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $1,006
  • Raising to $1,000 deductibles will save $186 annually
  • The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,726
  • Buying pricier low deductibles will cost an additional $368 every year
  • At-risk drivers with multiple tickets or accidents could pay around $3,772 or more
  • An auto insurance policy that insures a teen driver for full coverage can cost $6,860

View Chart as Image

Subaru Ascent insurance cost comparison chart
Column chart showing full coverage Subaru Ascent insurance prices range from $1,006 to $6,860

Auto insurance prices for a Subaru Ascent also have a wide range based on the model of your Ascent, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you may be forking out anywhere from $2,100 to $2,900 in extra premium annually, 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 rate. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,600 every 12 months on average, or $133 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay in the ballpark of $6,800 a year. View Rates by Age

Where you choose to live also has a big influence on Subaru Ascent insurance prices. A middle-age driver might find prices as low as $1,240 a year in states like Utah, Ohio, and New Hampshire, or at least $2,330 on average in New York, Michigan, and Florida.

Subaru Ascent Insurance Rates by State
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%

View Chart as Image

Subaru Ascent insurance rates by U.S. city

Opting for high physical damage deductibles can reduce prices by up to $560 every year, whereas buying more liability protection will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $597 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to regularly compare prices and see which company has the best price. Every auto insurance company utilizes a different rate formula, and quoted prices will be substantially different.

Subaru Ascent Insurance Rates by Model Year
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 Find the Best Cheap Subaru Ascent Insurance

Finding better rates on car insurance consists of avoiding accidents and claims, maintaining a good credit score, being claim-free, and not having any coverage lapses. Comparison shop every time your policy renews by getting rate quotes from direct companies, and also from local insurance agencies.

The points below are a quick review of the information covered in the charts and tables above.

  • You may be able to save around $200 per year simply by quoting online well ahead of the renewal date
  • Drivers under the age of 20 have the highest car insurance prices, possibly costing $572 per month if the policy includes full coverage
  • Increasing policy deductibles can save approximately $550 each year
  • Higher risk drivers with a DUI or reckless driving violation may have to pay on average $2,050 more per year to insure a Subaru Ascent
  • Policyholders who purchase increased liability limits will pay around $730 every year to raise from 30/60 bodily injury limits to the 250/500 level

Rates by Driver Age

Subaru Ascent Insurance 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

Subaru Ascent Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,094
$250 $1,920
$500 $1,726
$1,000 $1,540

Full coverage, driver age 40

Rates by Liability Limit

Subaru Ascent Insurance Rates with Different Liability Limits
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

Subaru Ascent Insurance 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.

SR-22 Surcharge $246

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
Rate after discounts $1,006

Discounts are estimated and may not be available from every company or in every state.

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