Subaru Ascent Car Insurance Calculator

Watch in real-time how changes to risk factors and vehicle options affect the cost of insurance for a Subaru Ascent. Adjust rate factors like annual miles driven, vehicle usage, and gender of the driver to see how insurance cost is affected. Know immediately the impact of your choices on the cost of insurance.

The average estimated car insurance premium for a 2024 Subaru Ascent is $2,038 per year, or about $170 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$2,038

Cost Per Month

$170

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Subaru Ascent Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a Subaru Ascent.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$2,038
Average Rate
Your Rate
$2,038

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

Changing the Model Year option in the calculator will reset the Average Rate to the average cost to insure that specific model year Subaru Ascent.

The 'Average Rate' is a combined value for all Subaru Ascent trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2024 Subaru Ascent is $2,038.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2024 Subaru Ascent vs. the Midsize SUV Segment

The table below compares insurance rates for the 2024 Subaru Ascent against all other models in the midsize SUV segment. The Subaru Ascent is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Subaru Ascent, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Subaru Ascent.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2024 Subaru Ascent Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Honda Passport$1,866-$172
2Nissan Murano$1,968-$70
3Subaru Outback$1,994-$44
4Buick Envista$2,004-$34
5Subaru Ascent$2,038--
6Volkswagen Atlas$2,078$40
7Volkswagen Atlas Cross Sport$2,086$48
8Ford Explorer$2,124$86
9Toyota Highlander$2,132$94
10Toyota Venza$2,136$98
11Chevrolet Traverse$2,186$148
12Mitsubishi Outlander Sport$2,198$160
13Mitsubishi Outlander PHEV$2,210$172
14Ford Edge$2,214$176
15Kia Sorento$2,222$184
16GMC Acadia$2,262$224
17Buick Enclave$2,266$228
18Honda Pilot$2,280$242
19Mazda CX-9$2,286$248
2024 Midsize SUV Average$2,314$276
20Jeep Grand Cherokee$2,342$304
21Hyundai Santa Fe$2,382$344
22Nissan Pathfinder$2,384$346
23Hyundai Palisade$2,394$356
24Chevrolet Blazer$2,416$378
25Kia Telluride$2,444$406
26Toyota 4Runner$2,510$472
27Mazda CX-90$2,522$484
28Toyota Grand Highlander$2,552$514
29Kia EV9$2,568$530
30Tesla Model Y$2,592$554
31Ford Bronco$2,600$562
32Jeep Wrangler$2,676$638
33Dodge Durango$2,872$834
34Rivian R1S$2,882$844

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2024 Ascent Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2024 Subaru Ascent.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2024 Subaru Ascent Insurance Rates by Trim Level
2024 Subaru Ascent Trim Level Annual Premium Cost Per Month
Base$1,880$157
Premium$1,946$162
Onyx Edition$2,050$171
Limited$2,058$172
Onyx Edition Limited$2,134$178
Touring$2,162$180

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2024 Subaru Ascent for different driver ages.

2024 Subaru Ascent Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,139$595
17$6,989$582
18$6,401$533
19$5,763$480
20$4,438$370
21$4,232$353
22$3,809$317
23$3,065$255
24$2,924$244
25$2,376$198
30$2,188$182
35$2,086$174
40$2,038$170
45$1,896$158
50$1,788$149
55$1,674$140
60$1,682$140
65$1,798$150
70$1,914$160
75$2,218$185
80$2,734$228

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Subaru Ascent trim levels.

Average Rates by Model Year

The table below shows average car insurance rates for different model years of the Subaru Ascent.

These values do not change with the calculator settings. These rates provide a "base average rate" to compare your calculated rate to, and the highlighted row indicates the currently selected model year.

Changing the calculator settings will cause your rate to move higher or lower than the average annual premium.

If the calculated 'Annual Premium' shown at the bottom of your screen is higher than the highlighted annual premium in the table, refer to the insurance analysis section to find out what factors might be causing the increase.

Average Subaru Ascent Insurance Rates by Model Year
Model Year and Vehicle Annual Premium Cost Per Month
2024 Subaru Ascent$2,038$170
2023 Subaru Ascent$1,854$155
2022 Subaru Ascent$1,836$153
2021 Subaru Ascent$1,860$155
2020 Subaru Ascent$1,802$150
2019 Subaru Ascent$1,846$154

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Subaru Ascent trim levels for each model year.