Subaru Ascent Car Insurance Cost for 2021

How much does Subaru Ascent insurance cost? We compare car insurance rates from the base AWD model up to the Touring AWD model to see how prices compare to the rest of the midsize SUV segment.

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How much does Subaru Ascent insurance cost?

Subaru Ascent insurance costs an average of $1,324 per year for a full coverage policy, or $110 if paid each month. With the average midsize SUV costing $1,497 a year to insure, the Subaru Ascent could  save $173 or more each year.

Depending on the trim level being insured, average monthly car insurance cost on a 2021 Subaru Ascent ranges from $103 to $118. Factors like your age, driving record, and where you live can change these rates significantly, however.

The following chart details how average 2021 Subaru Ascent car insurance rates change depending on driver age and a range of policy deductibles.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average insurance cost for a 2021 Subaru Ascent with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Subaru Ascent trim levels.
Subaru Ascent Car Insurance Rates
Subaru Ascent Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,194$183
$500$2,622$219
$250$3,076$256
30$1,000$1,164$97
$500$1,404$117
$250$1,654$138
40$1,000$1,104$92
$500$1,324$110
$250$1,554$130
50$1,000$1,008$84
$500$1,206$101
$250$1,412$118
60$1,000$988$82
$500$1,182$99
$250$1,386$116

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 $14,668 a year for a full coverage policy.

The next table shows average insurance rates for the 2019 to 2021 model years rated for different driver ages.

Subaru Ascent Insurance Cost for 2019-2021 Models
Model Year Driver Age 20 Driver Age 30 Driver Age 40 Driver Age 50 Driver Age 60
2021$2,622$1,404$1,324$1,206$1,182
2020$2,560$1,366$1,292$1,174$1,154
2019$2,676$1,418$1,346$1,226$1,204

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates assume clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.
Subaru Ascent Insurance Rates by Model Year

Is Subaru Ascent car insurance expensive?

With Subaru Ascent insurance cost ranging from $1,236 to $1,420 annually on average, the most cost effective model to insure is the Ascent AWD model. The next cheapest trim level to insure is the Premium AWD at $1,300 per year.

On average, expect to budget around $103 per month for full coverage insurance.

For the pricier trim levels, the two highest cost Subaru Ascent models to insure are the Ascent Limited AWD and the Touring AWD trim levels at around $1,352 and $1,420 per year, respectively.

The table below displays average annual and 6-month car insurance policy costs, including a monthly insurance rate, for each 2021 Subaru Ascent trim level.

2021 Subaru Ascent Insurance Cost by Trim Level
Subaru Ascent Trim Level Annual Policy 6-month Policy Per Month
AWD$1,236$618$103
Premium AWD$1,300$650$108
Limited AWD$1,352$676$113
Touring AWD$1,420$710$118

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2021 Subaru Ascent, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.
Subaru Ascent Insurance Cost by Trim Level

How does Ascent insurance cost rank?

The Subaru Ascent ranks #6 out of 27 comparison vehicles in the 2021 midsize SUV segment. The Ascent costs an average of $1,324 per year to insure for full coverage and the class average cost is $1,497 annually, a difference of $173 per year.

When insurance rates are compared among the 2021 midsize SUV segment, insurance for an Ascent costs $342 less per year than the Jeep Grand Cherokee, $278 less than the Toyota Highlander, $148 less than the Ford Explorer, and $384 less than the Jeep Cherokee.

The chart below shows how well Ascent car insurance rates compare to the top 10 best-selling 2021 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 27 models in the midsize SUV category.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2021 model year Subaru Ascent, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Subaru Ascent trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.
Insurance Cost Comparison: Subaru Ascent vs Top 10 Midsize SUVs
Subaru Ascent Insurance Cost Compared to All Midsize SUVs
Rank Make/Model Insurance Cost Difference
1Ford Edge$1,274-$50
2Chevrolet Blazer$1,282-$42
3Honda Passport$1,290-$34
4Kia Telluride$1,308-$16
5Volkswagen Atlas$1,318-$6
6Subaru Ascent$1,324--
7Nissan Murano$1,370$46
8Honda Pilot$1,376$52
9Buick Enclave$1,430$106
10Hyundai Palisade$1,434$110
11Subaru Outback$1,466$142
12Ford Explorer$1,472$148
13GMC Acadia$1,478$154
14Chevrolet Traverse$1,488$164
15Kia Sorento$1,494$170
16Toyota 4Runner$1,506$182
17Nissan Pathfinder$1,544$220
18Mazda CX-9$1,556$232
19Mitsubishi Outlander Sport$1,556$232
20Toyota Venza$1,566$242
21Hyundai Santa Fe$1,578$254
22Toyota Highlander$1,602$278
23Dodge Durango$1,642$318
24Jeep Grand Cherokee$1,666$342
25Jeep Cherokee$1,708$384
26Mitsubishi Outlander PHEV$1,714$390
27Tesla Model Y$1,964$640