Subaru Ascent Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Subaru Ascent costs about the same to insure as the average SUV.

• Liability only insurance premiums for an Ascent average about $78 per month, while full coverage generally tends to be around $151.

• At as low as $34 a month for liability only coverage, Gainsco is the cheapest car insurance carrier for an Ascent.

Ascent Overview

The Subaru Ascent is a great budget-friendly option for any driver, with new 2021 models starting at $34,795. With four different trim levels currently available, there's a style for every driver.

We crunched the numbers on thousands of auto insurance quotes on Compare.com, and we've found that Subaru Ascent car insurance rates are about $142 per month, on average. But how does that compare to other SUVs on the market?

How Much is Car Insurance for a Subaru Ascent?

If you look at the table above, you'll see that compared to other vehicles, Subaru Ascent insurance prices are below average. Ascent drivers usually pay around $151 a month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $78 monthly for liability only insurance (our guide, "State Minimum vs. Full Coverage", can give you more information on these different types of insurance).

Comparing it to other models from Subaru, the Ascent's insurance premium is matches the rest of the company's vehicle offerings. Compared to SUV offerings from other brands, insurance for an Ascent is also more affordable, with full coverage insurance premiums coming in about $1 less and $3 less for liability only insurance.

Impressively, they're overall more affordable to insure than the average vehicle, regardless of body style, model, or make.

Who has the Cheapest Car Insurance for a Subaru Ascent?

Are you searching for an auto insurance policy for your Subaru Ascent? You might be most interested in which company offers the most affordable rates. While prices can vary considerably from policyholder to policyholder, the lowest average rates for liability only insurance are as little as just $27 per month from Infinity. The next most affordable carrier is Shelter Mutual, who offers auto insurance as cheap as just $28 monthly.

Gainsco, SafeAuto, and AnswerFinancial finish off the rest of the top 5. That being said, just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

Car insurance carriers use a wide array of different things and complex formulas to calculate rates. By reviewing quotes from a lot of insurance companies at once, you can be sure you're finding the lowest rate.

What Factors Affect Car Insurance Rates for a Subaru Ascent?

There are a whole range of variables that car insurance carriers take into account to determine how much to charge you for a policy -- and every company weighs different pieces more heavily than others, so there's not a single carrier that's the most affordable for each driver.

The sections below show a bunch of factors auto insurance companies use to decide rates:

Vehicle Age

Because the Subaru Ascent has only been around for two or three model years, vehicle age won't affect your premium in the same way it might for other vehicles. Normally, it costs less to insure older cars because they're worth less than newer models, and as cars age, insurance costs will gradually go lower.

Next year, we'll know more about the differences in rates for each model year, but for now we see that a Ascent less than one year old will be around between $38 and $83 a month to insure.

Your Age

Age is another variable that plays a role in how much car insurance carriers will charge for auto insurance. Because the Subaru Ascent is pretty new to the market, we're just starting to collect data on how age is affecting insurance premiums. So far, based on the table above, young Ascent drivers have cheaper rates than older Ascent drivers.

Insurance prices continue to go down as you get older, with the cheapest age group for Ascent drivers being 35-44.

Your Gender

Because women are less likely to get tickets and get into accidents, they are less likely to file a claim with insurance. So, insurance companies will tend to offer women more affordable prices. For Ascent owners, that difference is around $53 per month, with women paying an average of $102 and men looking at around $49. However, due to the limited amount of Ascent data, this pricing may not be representative of the rates you may see.

Where You Live

You might think it's common sense that variables such as how old you are and what vehicle you drive play a role in your car insurance prices, but you may not realize that where you live can be equally important. Auto insurance is regulated on the state level and not nationally, so premiums fluctuate quite a bit depending on what state you reside in.

Because the Ascent is a relatively new vehicle, our data sets are somewhat limited. Even so, you can see in the table above that New York has rates that are.

Subaru Ascent Car Insurance Discounts

Whatever what vehicle you drive, what state you live in, or how old you are, using as many discounts as possible when it comes to your insurance policy is always a good idea.

While no two auto insurance carriers offer the same exact discounts, there are a few that you'll find with most insurers. These include discounts like:

• Defensive driving discounts for taking a defensive driving class through an accredited school or institution
• Multi-car discounts for insuring more than one of your vehicles with the same company
• Vehicle safety discounts for having a vehicle with higher than average safety ratings or one with certain safety features (like anti-lock brakes or air bags)
• Multi-policy discounts for bundling your home and auto policies with the same insurance carrier

While discounts are always a good way to save money on your car insurance, sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like avoiding lapses in coverage, not having recent insurance claims, and driving safely.

You obviously can't control every single aspect of your auto insurance profile (like some of the attributes we mentioned above), but you do have a say over some of it. Below are just a few of the ones you can use to your advantage when it comes to saving some cash:

Your Driving Record

You've probably noticed ads from insurance companies offering big savings for responsible drivers. It should be no surprise that your auto insurance prices will get higher if you get speeding tickets or get into an accident. But you're probably wondering exactly how much these infractions can cost you.

Unfortunately, we don't have enough data on file for Subaru Ascent drivers specifically, since it is a relatively new SUV. However, we'll have a better idea of how much infractions will cost Ascent drivers when it comes to insurance as we see more and more of these on the road.

How Much You Drive

Another factor that plays a big role in your car insurance premiums is the total distance you drive. Drivers who are on the roads less are more likely to go accident-free, so they'll normally end up spending less on insurance. Since the Subaru Ascent is a new SUV, our data is relatively limited, so we don't yet know how much annual driving distance will affect rates. So far, the cheapest rates are offered to drivers who drive 0 - 2,500 miles per year.

But if you don't drive much because have a second vehicle or you work from home, you might consider choosing a usage-based or pay-per-mile car insurance policy. With these kinds of coverage, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

How Do Subaru Ascents Compare to Other Vehicles?

If you're considering purchasing a new SUV and a Subaru Ascent is on your shortlist, it can pay off to do your research. Car insurance is just one cost that's associated with a new car purchase, but it's definitely one that's worth considering carefully.

Take a look at the table below to see how the Subaru Ascent stacks up:

With an MSRP that's less than the going rate for a new vehicle, the Subaru Ascent is a great value when it comes to price. While the average vehicle price in the U.S. is $46,179, the Ascent goes for just $34,795.

Similarly, auto insurance premiums run below average when compared to the rest of the vehicle market. Full coverage insurance for a Subaru Ascent is about $19 a month cheaper than average, while liability only coverage is over $20 less a month.

When it comes to usage, Subaru Ascent drivers are much lower than the national average in annual miles driven, with 8,130 miles every year compared to 11,660 for all vehicles.

Subaru Ascent Car Insurance Costs by Model Year

So far, you've seen how different factors have an impact on how much the average driver pays to insure a Subaru Ascent. But if you're considering purchasing a new Ascent, having a good idea of how much you'll likely pay can be extremely helpful as you weigh your options and compare it to other vehicles on your shortlist.

That's why we've broken down Subaru Ascent car insurance rates by model year. Find the model year you want in the dropdown to see average rates for both full coverage and liability only options, as well as some other helpful info, like cheapest insurance company, base price, and even available trims for each Ascent model year.

2021 Subaru Ascent Car Insurance

If you're searching for a brand new Subaru Ascent, you've got options. A base model Ascent will put you back $34,795 (plus taxes and other fees), but with four different trim levels to pick from, the price can go up from there.

When it comes to auto insurance, on average, it costs around $150 monthly to buy full coverage insurance for a 2021 Subaru Ascent and $59 a month for a liability only policy. And if you want the cheapest insurance possible, SafeAuto offers liability only policies for sometimes as little as $29 monthly.

Although this gave you a good idea of what the average 2021 Ascent will cost to insure, you'll never know exactly how much you'll pay without getting a personalized quote. Luckily, with Compare.com you can compare quotes from several carriers at once, all for free. To get started, simply enter your ZIP code below.

2020 Subaru Ascent Car Insurance

If you're in the market for a 2020 Ascent or already own one, you're most likely looking at an average insurance rate of about $112 for liability or $176 for full coverage.

And if you're just looking for the most affordable car insurance for your Ascent, Shelter Mutual offers liability only policies for sometimes as low as $28 per month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

2019 Subaru Ascent Car Insurance

On average, drivers who own a 2019 Ascent can expect to pay $55 to $131 monthly for liability only and full coverage auto insurance, respectively.

AnswerFinancial offered the cheapest policy we found, with rates sometimes as cheap as $22 per month.

Want to know exactly what your insurance price will be? Enter your ZIP code below to get a variety of free personalized quotes.

Subaru Ascent Insurance FAQs

Is a Subaru Ascent expensive to insure?

Liability insurance runs an average of $78 a month, while full coverage will cost you around $151. It costs about the same to insure a Subaru Ascent as insuring the average vehicle. SUV.

How can I get the best price on car insurance for my Subaru Ascent?

There's only one way to confirm you're getting the lowest rates -- regularly shopping around and getting quotes. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from a range of companies at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Subaru Ascent affect my insurance premiums?

You've probably heard the old adage that it costs more to insure a red car than cars of other colors, but that's actually a myth. Even though there are many things car insurance carriers think about when they offer you a premium, your Subaru Ascent's color isn't one of them.

Do I need to have insurance before I buy a Subaru Ascent?

You'll need to have a valid insurance policy before you can legally drive your new (or new to you) vehicle off the dealership lot. Some dealerships will offer you a car insurance policy as part of the buying process, but the best thing to do when buying a a new SUV is to talk with your auto insurance carrier beforehand.

What car insurance discounts can I get for my Subaru Ascent?

There are many discounts out there for car insurance. Many of them (like "safe driver discounts" and "multi-vehicle discounts") are based less on your car and more on you, but if your Ascent has safety features like anti-lock brakes, airbags, anti-theft systems, and other features, it may be eligible for certain discounts. The best way to find out is to talk with your insurance agent and ask about their list of discounts, since they change quite a bit from company to company.