2021 Subaru Ascent Car Insurance Calculator

Explore and understand how changes to driver risk factors and vehicle options impact the insurance cost for a 2021 Subaru Ascent. Experiment with rate factors like homeowner status, credit history, and policy coverages to see how insurance rates are affected. Know immediately if the choices you make result in a cheaper or more expensive rate.

The average estimated car insurance premium for a 2021 Subaru Ascent is $1,860 per year, or about $155 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

$1,860

Cost Per Month

$155

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 2021 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.

$1,860
Average Rate
Your Rate
$1,860

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.

The 'Average Rate' is a combined value for all 2021 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 2021 Subaru Ascent is $1,860.

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.

2021 Subaru Ascent vs. the Midsize SUV Segment

The table below compares insurance rates for the 2021 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.

2021 Subaru Ascent Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Ford Edge$1,782-$78
2Honda Passport$1,806-$54
3Chevrolet Blazer$1,816-$44
4Kia Telluride$1,832-$28
5Volkswagen Atlas$1,846-$14
6Subaru Ascent$1,860--
7Nissan Murano$1,920$60
8Honda Pilot$1,928$68
9Buick Enclave$2,000$140
10Hyundai Palisade$2,008$148
11Subaru Outback$2,052$192
12Ford Explorer$2,058$198
13GMC Acadia$2,070$210
14Chevrolet Traverse$2,084$224
15Kia Sorento$2,094$234
16Toyota 4Runner$2,112$252
2021 Midsize SUV Average$2,115$255
17Nissan Pathfinder$2,160$300
18Mazda CX-9$2,170$310
19Mitsubishi Outlander Sport$2,178$318
20Toyota Venza$2,194$334
21Toyota Highlander$2,202$342
22Hyundai Santa Fe$2,210$350
23Dodge Durango$2,290$430
24Jeep Grand Cherokee$2,350$490
25Ford Bronco$2,366$506
26Jeep Wrangler$2,392$532
27Jeep Cherokee$2,394$534
28Mitsubishi Outlander PHEV$2,402$542
29Tesla Model Y$2,750$890

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.

2021 Ascent Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2021 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.

2021 Subaru Ascent Insurance Rates by Trim Level
2021 Subaru Ascent Trim Level Annual Premium Cost Per Month
AWD$1,732$144
Premium AWD$1,822$152
Limited AWD$1,892$158
Touring AWD$1,988$166

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 2021 Subaru Ascent for different driver ages.

2021 Subaru Ascent Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,558$547
17$6,374$531
18$5,756$480
19$5,224$435
20$4,009$334
21$3,825$319
22$3,427$286
23$2,798$233
24$2,651$221
25$2,158$180
30$1,984$165
35$1,908$159
40$1,860$155
45$1,738$145
50$1,642$137
55$1,536$128
60$1,540$128
65$1,642$137
70$1,762$147
75$2,058$172
80$2,538$212

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.