Subaru Ascent Insurance Rates
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UPDATED: Mar 28, 2024
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Average insurance prices for a Subaru Ascent are $1,742 every 12 months for full coverage. Comprehensive insurance costs on average $274, collision insurance costs $586, and liability costs $644. A liability-only policy costs as little as $726 a year, and high-risk insurance costs $3,800 or more. Teen 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 are based on $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all states and for different Ascent trim levels.
Price Range by Coverage and Risk
For a driver around age 40, prices range range from the cheapest price of $726 for just liability insurance to a much higher rate of $3,800 for a driver who has had serious violations or accidents.
Price Range by Location
Your location can make a big difference on car insurance rates. Rural areas tend to have more infrequent accident claims than larger metro areas. The price range example below illustrates the difference between rural and urban areas on car insurance rates.
These examples show why anyone shopping for car insurance should compare rates based on a specific location and their own driving history, instead of making a decision based on price 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 Details
The chart below shows average Subaru Ascent insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $1,015
- Drivers who choose higher $1,000 deductibles will pay around $196 a year
- The average price for a 40-year-old driver with $500 deductibles is $1,742
- Choosing more expensive low deductibles for comprehensive and collision insurance costs an extra $382 annually
- Drivers with multiple violations and an at-fault accident could pay upwards of $3,800
- The cost to insure a 16-year-old driver with full coverage may cost $6,868 a year
Insurance rates for a Subaru Ascent can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level of your Ascent.
Choosing high deductibles could save up to $580 annually, while increasing your policy's liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $579 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles may pay as low as $1,600 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay upwards of $6,800 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying at a minimum $2,100 to $2,900 extra per year, depending on your age. High-risk driver insurance can cost from 42% to 134% more than average. View High Risk Driver Rates
Where you live makes a big difference in Subaru Ascent insurance prices. A 40-year-old driver could pay as low as $1,150 a year in states like Idaho, Maine, and Iowa, or as much as $2,480 on average in Michigan, Louisiana, and New York.
| 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% |
| 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 Shop for Affordable Subaru Ascent Insurance
Saving money on insurance for a Subaru Ascent not only requires being a safe and courteous driver, but also having good credit, eliminating unneeded coverage, and determing if full coverage is necessary. Set aside time to compare rates every other policy renewal by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
Below is a brief review of the ideas that were covered above.
- Teenage drivers pay the highest rates, costing as high as $572 per month if they have full coverage
- Drivers considered higher risk with DUI or reckless driving convictions pay an average of $2,060 more each year for auto insurance
- Increasing deductibles could save as much as $575 each year
- Drivers can save as much as $210 per year just by shopping early and online
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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