Is it Cheaper to Insure a Subaru Outback or Ascent?

• For the 2024 model year, a Subaru Outback has cheaper overall car insurance rates than a Subaru Ascent by an average of $46 per year.
• With 34 models in the 2024 midsize SUV class, the Subaru Outback ranks third and the Subaru Ascent ranks fifth for most affordable car insurance prices.
• For the 2024 Subaru Outback, rates cost from $1,860 to $2,142 per year, while insurance on the 2024 Subaru Ascent costs from $1,928 to $2,214.
• The Subaru Outback costs an average of $234 less per year than the average cost of car insurance in the U.S. of $2,276, while the Subaru Ascent costs $188 less per year.

Does insurance cost less for a Subaru Outback or Ascent?

For new Outback and Ascent models, the model having cheaper average car insurance is the Subaru Outback. Insurance rates for the Subaru Outback average $2,042 per year, and insurance for the Subaru Ascent averages $2,088 per year.

Out of nine Subaru Outback trim levels, the cheapest 2024 model to insure is the Base trim at an average cost of $1,860 per year, or around $155 per month. For the six trims available for the Subaru Ascent, the cheapest 2024 trim to insure is the Base trim at a cost of $1,928.

When all 15 trims of both models are combined and compared, the most affordable model and trim level is the Subaru Outback Base at an average of $1,860 per year, and the highest-cost model and trim is the Subaru Ascent Touring costing an average of $2,214 per year.

The table below compares and ranks the annual and monthly car insurance cost for 2024 Subaru Outback and Subaru Ascent models, with average rates for each trim level.

The next chart visualizes the average cost to insure the two models for different driver ages. Average insurance cost ranges from $1,806 to $4,128 per year for a 2024 Subaru Outback, and $1,832 to $4,230 for a 2024 Subaru Ascent.

The two tables below display the average cost to insure all 2024 trim levels, plus the average rate for each model.

2023 Subaru Outback vs. Subaru Ascent

For 2023 Subaru Outback and Subaru Ascent models, the cheaper model to insure on average is the Subaru Ascent. Average car insurance rates for the Subaru Outback are $2,010 per year, whereas the Subaru Ascent averages $1,902 per year.

For the nine trim levels available for the 2023 Subaru Outback, the cheapest trim level to insure is the Base AWD model at an average cost of $1,834 per year, or around $153 per month. For the five trims available for the Subaru Ascent, the cheapest 2023 trim to insure is the Base AWD model at a cost of $1,774 per year, or around $148 per month.

When looking at the aggregated rates by trim for both models, the cheapest model and trim level to insure is the Subaru Ascent Base AWD at an average of $1,774 per year. The most expensive model and trim level is the Subaru Outback Touring XT AWD costing an average of $2,116 per year.

The rate table below ranks the yearly and monthly cost of car insurance for 2023 Subaru Outback and Subaru Ascent models, with average rates for each vehicle.

The next chart shows the average cost to insure the two models rated for drivers aged 20 to 50. The average car insurance cost ranges from $1,774 to $4,102 per year for a 2023 Subaru Outback, and $1,672 to $3,824 for a 2023 Subaru Ascent for the example age groups.

The two tables below illustrate both 2023 models and all trim levels available for each one, including an overall average cost for each model.

2022 Subaru Outback vs. Subaru Ascent

For the 2022 model year, the cheapest to insure is the Subaru Ascent. Average car insurance rates for the Subaru Outback are $2,010 per year, while the Subaru Ascent costs an average of $1,882 per year.

It’s important to note that the exact trim level of each vehicle can make a big difference in insurance cost. For example, on a 2022 Subaru Outback, rates range from the cheapest price of $1,792 per year for the AWD model up to the highest rate of $2,104 for the Touring XT AWD model. For a 2022 Subaru Ascent, rates can range from $1,730 per year for the AWD model up to $2,000 on the most expensive Touring AWD model.

For a 2022 Subaru Outback, the cheapest models to insure are the AWD, Premium AWD, and Onyx Edition XT AWD. The most affordable Subaru Ascent trims to insure include the AWD, Premium AWD, and Onyx Edition AWD.

The table shown below ranks the annual and monthly cost of car insurance for 2022 Subaru Outback and Subaru Ascent models, showing average cost by trim level for each model.

The next chart demonstrates the average cost to insure both 2022 models rated for different driver ages. The average car insurance cost ranges from $1,774 to $4,086 per year for the 2022 Subaru Outback, and $1,656 to $3,786 on the 2022 Subaru Ascent for the chosen age groups in the chart.

For the eight trim levels available for the 2022 Subaru Outback, the lowest-cost trim level to insure is the AWD trim at an average cost of $1,792 per year, or $149 per month. For the five different trim levels available for the Subaru Ascent, the lowest-cost 2022 model to insure is the AWD model at a cost of $1,730.

When rates for all 13 trim levels for both vehicles are compared, the overall cheapest vehicle to buy insurance for is the Subaru Ascent AWD at an average of $1,730 per year. The overall most expensive vehicle to insure is the Subaru Outback Touring XT AWD at a cost of $2,104 per year.

The tables shown below detail both 2022 models and all trim levels available for each one, as well as the overall average rate for each model. The winner for the 2022 car insurance battle is the Subaru Ascent.

2021 Subaru Outback vs. Subaru Ascent

A 2021 Subaru Ascent is $196 cheaper to insure per year on average than a 2021 Subaru Outback, a difference of 9.8%.

The next chart shows the average insurance cost for both models rated for drivers aged 20 to 50. The average cost of car insurance ranges from $1,858 to $4,312 per year on a 2021 Subaru Outback, and $1,684 to $3,828 on the 2021 Subaru Ascent for the different drivers illustrated in the chart.

Out of 11 Subaru Outback trim levels, the most affordable 2021 trim level to insure is the AWD trim at an average cost of $1,912 per year, or about $159 per month.

Out of the four trim and option levels available for a Subaru Ascent, the cheapest 2021 trim level to insure is the AWD trim at a cost of $1,774.

When all 15 trims of both models are combined and compared, the cheapest vehicle to insure is the Subaru Ascent AWD at an average of $1,774 per year. The most expensive model and trim level is the Subaru Outback Touring XT AWD at an average of $2,196 per year.

The next tables show all the available trims for both 2021 models, plus an average rate for each model. The cheapest of the two models to insure for the 2021 model year is the Subaru Ascent.

2020 Subaru Outback vs. Subaru Ascent

When comparing car insurance rates for 2020 models, the Subaru Outback costs $2,036 per year for a full-coverage policy and the Subaru Ascent costs $1,844, making the Subaru Ascent the cheaper model by $192 for this model year.

The next chart shows the average insurance cost for the two models for four different driver age groups. Insurance cost ranges from $1,800 to $4,178 per year on the 2020 Subaru Outback, and $1,634 to $3,710 on a 2020 Subaru Ascent for the chosen age groups in the chart.

Out of 11 Subaru Outback trim levels, the lowest-cost 2020 trim to insure is the AWD model at an average cost of $1,854 per year.

For the four different trim levels available for a Subaru Ascent, the most affordable 2020 trim to insure is the AWD trim at a cost of $1,722 per year, or around $144 per month.

When insurance rates for all 15 trims of both models are combined and sorted by cost, the most affordable model and trim level to put coverage on is the Subaru Ascent AWD at a cost of $1,722 per year. The highest-cost model and trim level is the Subaru Outback Touring XT AWD costing $2,126 per year.

The two tables below illustrate average car insurance rates for every trim level for both 2020 models, along with the average rate for each model. The 2020 Subaru Ascent takes the trophy over the 2020 Subaru Outback for cheapest car insurance cost.

2019 Subaru Outback vs. Subaru Ascent

When comparing insurance cost for 2019 models, the Subaru Outback costs an average of $1,814 per year for a full-coverage policy and the Subaru Ascent costs $1,892, making the Subaru Outback the cheaper model by $78.

The chart below illustrates the average insurance cost for both 2019 models for the 20 to 50-year-old driver age groups. For a 2019 Subaru Outback, average car insurance cost ranges from $1,602 to $3,708 per year for the age groups included in the chart. A full-coverage policy on the 2019 Subaru Ascent ranges from $1,678 to $3,810 on average per year.

For the six trim levels available for a 2019 Subaru Outback, the lowest-cost model to insure is the 2.5I AWD model at an average cost of $1,654 per year.

For the four option levels available for a Subaru Ascent, the cheapest 2019 trim level to insure is the AWD trim at a cost of $1,786 per year, or about $149 per month.

When comparing both models combined at a trim-level basis, the cheapest trim to put coverage on is the Subaru Outback 2.5I AWD at an average cost of $1,654 per year, and the most expensive model and trim level is the Subaru Ascent Touring AWD costing $1,968 per year.

The next two rate tables break down the average insurance cost by trim level for both 2019 models, along with an average cost for each model. The winner for the 2019 car insurance cost comparison is the Subaru Outback.

Additional Subaru Outback and Subaru Ascent Resources

• Subaru Outback Insurance Cost
• Subaru Ascent Insurance Cost
• Midsize SUV Insurance Cost Comparisons