Subaru Ascent Car Insurance Cost 2025
On average, insuring a Subaru Ascent costs $1,388 per year. However, the exact price may vary depending on factors like your age, the car’s model year, and other relevant considerations. To get a more precise estimate, you can refer to the quote tables provided below.
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If you’re thinking about buying a Subaru Ascent, you’ll need to factor in the cost of insurance. On average, insurance for a Subaru Ascent costs $1,388 per year. Insurance is a crucial aspect of owning a car, and it’s important to understand it fully before making a purchase.
Choosing the right car insurance is essential to avoid unexpected and potentially high expenses in the future. Having insufficient coverage during an accident can lead to significant out-of-pocket costs. Plus, if you’re responsible for an accident, your premiums could increase.
With over a decade of experience studying car insurance rates, I’ve witnessed how much these costs can vary. Factors like your age, driving record, and location can have a significant impact on your insurance premiums.
How Much Does Subaru Ascent Car Insurance Cost?
Typically, Subaru Ascent drivers can expect to pay an average insurance rate of $1,388 per year.
Car insurance costs can vary widely based on factors such as your location, driving history, car model year, and the specific coverage options you choose. Urban areas with heavy traffic generally have higher insurance rates than rural areas with less traffic. Additionally, maintaining a clean driving record can result in lower premiums, while a history of accidents or traffic violations may lead to higher costs. Newer car models often come with higher insurance premiums due to their value and repair expenses. Furthermore, the type of coverage you select plays a significant role—comprehensive coverage, which includes both collision and other damages, is typically more expensive than basic liability coverage. While the insurance cost for a Subaru Ascent is lower compared to the average cost of all Subaru models, it remains cheaper than the overall average for all vehicles. Insuranceopedia is available to help you compare quotes from various companies to find the best deal for your needs.
| Vehicle | Average Monthly Premium |
| Subaru Ascent | $152 |
| All Subarus | $158 |
| All Cars | $175 |
Average Insurance Cost Of Subaru Ascent By Model Year
| Model Year | Average Premium |
| 2024 Subaru Ascent | $1,857 |
| 2023 Subaru Ascent | $1,030 |
| 2022 Subaru Ascent | $663 |
| 2021 Subaru Ascent | $640 |
| 2020 Subaru Ascent | $755 |
| 2019 Subaru Ascent | $705 |
2024 Subaru Ascent Insurance Rates
The average annual insurance cost for a 2024 Subaru Ascent is $1,857. However, USAA offers the cheapest rates, averaging $1,388 per year.
| Insurance Provider | Average Annual Cost |
| Unitrin | $1,778 |
| Allstate | $2,066 |
| Grange | $2,015 |
| Farmers | $1,849 |
| USAA | $1,388 |
| 21st Century | $1,816 |
| Mercury | $1,620 |
| Metropolitan | $2,057 |
| CSAA | $2,068 |
| California Capital | $1,908 |
2023 Subaru Ascent Insurance Rates
The average annual insurance cost for a 2023 Subaru Ascent is $1,030. However, Safeco offers the cheapest rates, averaging $638 per year.
| Insurance Provider | Average Annual Cost |
| Capital Insurance Group | $826 |
| Chubb | $1,456 |
| GMAC Insurance Group | $1,126 |
| Mutual Of Enumclaw | $969 |
| Safeco | $638 |
| PEMCO | $934 |
| Oregon Mutual | $777 |
| SECURA Insurance | $1,243 |
| USAA | $1,362 |
| Unigard | $971 |
2022 Subaru Ascent Insurance Rates
The average annual insurance cost for a 2022 Subaru Ascent is $663. However, Safeco offers the cheapest rates, averaging $78 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $411 |
| Texas Farm Bureau Group | $995 |
| Partners Mutual Insurance Co | $804 |
| IMT Insurance Company | $690 |
| Safeco | $78 |
| Pekin Insurance | $645 |
| Kemper Auto | Infinity | $411 |
| Cameron Mutual Group | $923 |
| Country | $968 |
| Mercury Insurance | $703 |
2021 Subaru Ascent Insurance Rates
The average annual insurance cost for a 2021 Subaru Ascent is $640. However, American National P offers the cheapest rates, averaging $180 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $626 |
| Western Reserve | $854 |
| Virginia Farm Bureau | $729 |
| Direct General Insurance | $619 |
| American National P | $180 |
| Buckeye Insurance Group | $554 |
| Dairyland | $558 |
| North Carolina Farm Bureau | $779 |
| Pekin Insurance | $815 |
| United Farm Bureau of IN Group | $690 |
2020 Subaru Ascent Insurance Rates
The average annual insurance cost for a 2020 Subaru Ascent is $755. However, Safeco offers the cheapest rates, averaging $130 per year.
| Insurance Provider | Average Annual Cost |
| Pekin Insurance | $723 |
| Victoria | $1,014 |
| Grinnell Mutual | $902 |
| Buckeye Insurance Group | $819 |
| Safeco | $130 |
| Partners Mutual Insurance Co | $733 |
| IMT Insurance Company | $552 |
| Hastings Mutual Insurance Co | $910 |
| Direct Auto | $929 |
| National General Value | $836 |
2019 Subaru Ascent Insurance Rates
The average annual insurance cost for a 2019 Subaru Ascent is $705. However, Safeco offers the cheapest rates, averaging $22 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $531 |
| United Farm Bureau of IN Group | $1,028 |
| Cincinnati Insurance | $912 |
| Buckeye Insurance Group | $706 |
| Safeco | $22 |
| Virginia Farm Bureau | $667 |
| Mercury Insurance | $557 |
| Indiana Farmers Mutual Ins | $904 |
| Western Reserve | $957 |
| ALFA | $769 |
Find Affordable Subaru Ascent Insurance Rates
Cost of Subaru Ascent Car Insurance By Age
Age is a major factor in determining car insurance rates. Teenagers generally face the highest premiums because, statistically, they are more likely to be involved in accidents than other age groups. Insurance companies consider young drivers to be higher-risk due to their lack of experience and tendency to engage in risky driving behaviors. As drivers age and gain more experience on the road, their premiums usually decrease because they are considered lower-risk. Middle-aged drivers often enjoy the lowest rates, but premiums may start to rise again for elderly drivers due to potential health-related risks and slower reaction times.
| Drive Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $8,171 | $12,018 | $14,054 |
| 18 | $7,666 | $11,196 | $13,076 |
| 19 | $6,733 | $9,839 | $11,551 |
| 20 | $5,863 | $8,641 | $10,133 |
| 21 | $4,933 | $7,255 | $8,484 |
| 22 | $4,789 | $7,020 | $8,255 |
| 23 | $4,180 | $6,169 | $7,203 |
| 24 | $3,958 | $5,848 | $6,868 |
| 25 | $3,447 | $5,020 | $5,903 |
| 30 | $2,680 | $3,896 | $4,594 |
| 35 | $2,476 | $3,725 | $4,321 |
| 40 | $2,421 | $3,585 | $4,138 |
| 45 | $2,356 | $3,455 | $3,998 |
| 55 | $2,172 | $3,202 | $3,676 |
| 65 | $2,238 | $3,303 | $3,875 |
| 75 | $2,857 | $4,158 | $4,869 |
Subaru Ascent Car Insurance Rates By State
Your location is a critical factor in determining car insurance rates, as insurance companies assess risk based on where you live. Each state regulates its own auto insurance requirements, which can significantly influence premiums. For example, Michigan drivers often face higher rates due to the state’s mandate for more extensive coverage. Additionally, the climate and weather patterns in your area play a role—states prone to extreme weather events like hurricanes, storms, or flooding may have higher insurance costs. Local statistics on crime and auto accidents also impact rates; areas with higher rates of vehicle thefts, crashes, or fatalities generally see increased premiums. All these factors contribute to your specific Subaru Ascent insurance rate.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,591 | $3,714 | $4,737 |
| Alaska | $2,100 | $2,956 | $2,814 |
| Arizona | $2,399 | $3,474 | $5,111 |
| Arkansas | $2,611 | $4,131 | $4,539 |
| California | $2,944 | $5,181 | $2,908 |
| Colorado | $2,718 | $3,834 | $4,839 |
| Connecticut | $3,467 | $5,389 | $6,861 |
| Delaware | $2,879 | $3,836 | $4,949 |
| Florida | $3,430 | $4,753 | $6,218 |
| Georgia | $1,126 | $1,515 | $1,094 |
| Hawaii | $1,958 | $2,578 | $3,115 |
| Idaho | $2,051 | $3,050 | $3,489 |
| Illinois | $2,101 | $3,205 | $3,534 |
| Indiana | $1,676 | $2,257 | $2,651 |
| Iowa | $2,219 | $3,188 | $3,738 |
| Kansas | $3,161 | $4,668 | $5,520 |
| Kentucky | $4,110 | $6,143 | $6,686 |
| Louisiana | $1,562 | $2,139 | $3,141 |
| Maine | $2,516 | $3,651 | $4,061 |
| Maryland | $1,969 | $3,518 | $2,016 |
| Massachusetts | $4,844 | $7,358 | $11,620 |
| Michigan | $1,994 | $2,663 | $3,737 |
| Minnesota | $2,403 | $3,444 | $3,463 |
| Mississippi | $2,280 | $3,232 | $4,262 |
| Missouri | $2,284 | $3,251 | $3,765 |
| Montana | $1,943 | $2,857 | $3,128 |
| Nebraska | $3,191 | $4,796 | $5,037 |
| Nevada | $2,211 | $3,532 | $4,471 |
| New Hampshire | $2,442 | $3,846 | $5,081 |
| New Jersey | $2,498 | $3,749 | $3,850 |
| New Mexico | $2,336 | $2,953 | $4,873 |
| New York | $1,439 | $2,479 | $1,783 |
| North Carolina | $1,967 | $3,005 | $3,529 |
| North Dakota | $1,788 | $2,722 | $2,773 |
| Ohio | $2,778 | $4,037 | $4,500 |
| Oklahoma | $2,521 | $3,429 | $4,141 |
| Oregon | $2,182 | $3,155 | $3,706 |
| Pennsylvania | $3,580 | $5,255 | $5,931 |
| Rhode Island | $2,446 | $3,376 | $4,653 |
| South Carolina | $2,223 | $3,183 | $3,641 |
| South Dakota | $2,569 | $3,796 | $5,065 |
| Tennessee | $2,619 | $3,734 | $4,673 |
| Texas | $2,247 | $3,099 | $4,288 |
| Utah | $1,704 | $2,628 | $2,807 |
| Vermont | $1,632 | $2,455 | $2,372 |
| Virginia | $2,144 | $2,882 | $3,447 |
| Washington | $2,138 | $3,044 | $3,785 |
| West Virginia | $2,136 | $3,335 | $3,792 |
| Wisconsin | $1,985 | $2,795 | $2,963 |
| Wyoming | $2,802 | $4,197 | $4,237 |
Cheapest Car Insurance Companies For A Subaru Ascent
If you’re looking to purchase a new car insurance policy for your Subaru Ascent, it’s helpful to know which companies offer the most affordable rates. Infinity offers the lowest average premium at $26 per month, making them the cheapest provider for a Subaru Ascent. However, rates can vary depending on your unique driver profile, so it’s essential to compare quotes from multiple insurers to find the best rate for your specific circumstances.
| Company | Average Monthly Rate |
| Infinity | $26 |
| Gainsco | $36 |
| AnswerFinancial | $41 |
| SafeAuto | $35 |
| Shelter Mutual | $27 |
Common Subaru Ascent Insurance Discounts
- Multi-policy discount: Bundling your home and auto insurance policies with one provider can often result in a lower rate.
- Pay annually: Paying your premium all at once, rather than in monthly installments, can qualify you for reduced rates.
- Defensive driving discount: Completing certified defensive driving courses can make you eligible for discounted prices.
- Other discounts: Speaking to your insurance agent can help you discover additional discounts you may qualify for.
Compare Subaru Ascent To Other Subaru Models
Looking for other Subaru model insurance costs?
Our Methodology
To calculate average car insurance costs, Insuranceopedia compiled thousands of quotes from top auto insurance providers. The sample profile used for these estimates is a 40-year-old male driver purchasing full-coverage insurance with coverage limits of $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. Keep in mind, however, that the figures presented in this guide may differ from your individual results.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A Subaru Ascent?
You will need to provide proof of insurance before driving your Subaru Ascent off the dealership lot. The most effective approach is to purchase a policy beforehand and inform your insurance company that you are about to buy your car, rather than opting for insurance provided through the dealership.
How Can You Get The Cheapest Insurance For Your Subaru Ascent?
The most effective way to find the lowest insurance rates for your Subaru Ascent is by comparing quotes from various auto insurance companies. Insuranceopedia makes this process easy by allowing you to compare quotes from multiple providers directly on their website.
