- Subaru Ascent insurance costs an average of $1,652 per year, $826 for a 6-month policy, or $138 per month.
- 2024 Ascent insurance cost ranges from $1,524 to $1,752 annually for an average driver, depending on trim level.
- Out of 34 vehicles in the 2024 midsize SUV segment, the Ascent ranks fifth for insurance affordability.
How much does Subaru Ascent insurance cost?
Subaru Ascent insurance costs an average of $1,652 per year for a full coverage policy, or $138 if paid each month. With the average midsize SUV costing $1,874 a year to insure, the Subaru Ascent could save $222 or more each year.
Depending on the trim level being insured, the average monthly car insurance cost on a 2024 Subaru Ascent ranges from $127 to $146. Factors like your age, driving record, and where you live can change these rates significantly, however.
The following chart details how average 2024 Subaru Ascent car insurance rates change depending on driver age and a range of policy deductibles.
In order to help you comprehend how variable car insurance rates for an Ascent are, consider that a policy with only liability coverage for a Subaru Ascent in the cheapest areas of Indiana or Vermont costs as little as $229 a year.
For the same style of Subaru Ascent, a teenager with an at-fault accident in certain areas in Louisiana could have to pay as much as $13,289 a year for a full coverage policy.
The next table shows average insurance rates for the 2019 to 2024 model years rated for different driver ages.
| Model Year and Vehicle | Driver Age 20 | Driver Age 40 | Driver Age 60 |
|---|---|---|---|
| 2024 Subaru Ascent | $3,346 | $1,652 | $1,362 |
| 2023 Subaru Ascent | $3,024 | $1,506 | $1,242 |
| 2022 Subaru Ascent | $2,992 | $1,490 | $1,230 |
| 2021 Subaru Ascent | $3,028 | $1,506 | $1,250 |
| 2020 Subaru Ascent | $2,932 | $1,462 | $1,212 |
| 2019 Subaru Ascent | $3,016 | $1,494 | $1,244 |
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. Updated February 23, 2024
Is Subaru Ascent car insurance expensive?
With Subaru Ascent insurance cost ranging from $1,524 to $1,752 annually on average, the most cost-effective model to insure is the Ascent base model. The next cheapest trim level to insure is the Premium at $1,578 per year.
On average, expect to budget around $127 per month for full coverage insurance.
For the pricier trim levels, the two highest-cost Subaru Ascent models to insure are the Ascent Onyx Edition Limited and the Touring trim levels at around $1,730 and $1,752 per year, respectively.
The table below displays average annual and 6-month car insurance policy costs, including a monthly insurance rate, for each 2024 Subaru Ascent trim level.
| 2024 Subaru Ascent Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Base | $1,524 | $127 |
| Premium | $1,578 | $132 |
| Onyx Edition | $1,660 | $138 |
| Limited | $1,666 | $139 |
| Onyx Edition Limited | $1,730 | $144 |
| Touring | $1,752 | $146 |
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. Updated February 23, 2024
How does Ascent insurance cost rank?
The Subaru Ascent ranks fifth out of 34 comparison vehicles in the 2024 midsize SUV segment. The Ascent costs an average of $1,652 per year to insure for full coverage and the class average cost is $1,874 annually, a difference of $222 per year.
When compared to some of the top-selling models in the 2024 midsize SUV segment, insurance for an Ascent averages $326 less per year than the Kia Telluride, $448 less per year than the Tesla Model Y, and $34 more per year than the Subaru Outback.
The chart below shows how well Ascent car insurance rates compare to the top 10 best-selling 2024 model year midsize SUVs in the U.S. An additional table is included after the chart showing insurance cost comparisons and affordability rankings for all 34 models in the midsize SUV category.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Honda Passport | $1,512 | -$140 |
| 2 | Nissan Murano | $1,594 | -$58 |
| 3 | Subaru Outback | $1,618 | -$34 |
| 4 | Buick Envista | $1,622 | -$30 |
| 5 | Subaru Ascent | $1,652 | -- |
| 6 | Volkswagen Atlas | $1,684 | $32 |
| 7 | Volkswagen Atlas Cross Sport | $1,690 | $38 |
| 8 | Ford Explorer | $1,722 | $70 |
| 9 | Toyota Highlander | $1,728 | $76 |
| 10 | Toyota Venza | $1,732 | $80 |
| 11 | Chevrolet Traverse | $1,770 | $118 |
| 12 | Mitsubishi Outlander Sport | $1,782 | $130 |
| 13 | Mitsubishi Outlander PHEV | $1,784 | $132 |
| 14 | Kia Sorento | $1,800 | $148 |
| 15 | Ford Edge | $1,802 | $150 |
| 16 | Buick Enclave | $1,828 | $176 |
| 17 | GMC Acadia | $1,832 | $180 |
| 18 | Honda Pilot | $1,848 | $196 |
| 19 | Mazda CX-9 | $1,852 | $200 |
| 20 | Jeep Grand Cherokee | $1,898 | $246 |
| 21 | Nissan Pathfinder | $1,928 | $276 |
| 22 | Hyundai Santa Fe | $1,930 | $278 |
| 23 | Hyundai Palisade | $1,932 | $280 |
| 24 | Chevrolet Blazer | $1,958 | $306 |
| 25 | Kia Telluride | $1,978 | $326 |
| 26 | Toyota 4Runner | $2,036 | $384 |
| 27 | Mazda CX-90 | $2,044 | $392 |
| 28 | Toyota Grand Highlander | $2,066 | $414 |
| 29 | Kia EV9 | $2,080 | $428 |
| 30 | Tesla Model Y | $2,100 | $448 |
| 31 | Ford Bronco | $2,104 | $452 |
| 32 | Jeep Wrangler | $2,168 | $516 |
| 33 | Rivian R1S | $2,328 | $676 |
| 34 | Dodge Durango | $2,330 | $678 |
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 vehicle from the 2024 model year. Updated February 23, 2024