Subaru Ascent Car Insurance Cost for 2023

Is the Subaru Ascent a cheap vehicle to insure?

From the base AWD trim level up to the more appointed Touring AWD trim level, we evaluated insurance rates on the Ascent to find out how rate quotes rank against the competition.

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How much does Subaru Ascent insurance cost?

Subaru Ascent insurance costs an average of $1,434 per year for a full coverage policy, or $120 if paid each month. With the average midsize SUV costing $1,724 a year to insure, the Subaru Ascent could  save $290 or more each year.

Depending on the trim level being insured, the average monthly car insurance cost on a 2023 Subaru Ascent ranges from $111 to $128. Factors like your age, driving record, and where you live can change these rates significantly, however.

The following chart details how average 2023 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 2023 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.Data last updated on May 5, 2023
Subaru Ascent Car Insurance Rates
2023 Subaru Ascent Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,352$196
$500$2,852$238
$250$3,376$281
30$1,000$1,252$104
$500$1,528$127
$250$1,816$151
40$1,000$1,182$99
$500$1,434$120
$250$1,698$142
50$1,000$1,080$90
$500$1,306$109
$250$1,546$129
60$1,000$1,062$89
$500$1,284$107
$250$1,520$127

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 $11,726 a year for a full coverage policy.

The next table shows average insurance rates for the 2019 to 2023 model years rated for different driver ages.

Subaru Ascent Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2023 Subaru Ascent$2,852$1,434$1,284
2022 Subaru Ascent$2,814$1,416$1,268
2021 Subaru Ascent$2,846$1,434$1,284
2020 Subaru Ascent$2,808$1,412$1,266
2019 Subaru Ascent$2,902$1,458$1,308

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates for each driver age group are for a 12-month period and assume a clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on May 5, 2023
Subaru Ascent Insurance Rates by Model Year

Is Subaru Ascent car insurance expensive?

With Subaru Ascent insurance cost ranging from $1,336 to $1,536 annually on average, the most cost-effective model to insure is the Ascent base AWD model. The next cheapest trim level to insure is the Premium AWD at $1,382 per year.

On average, expect to budget around $111 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 $1,460 and $1,536 per year, respectively.

The table below displays average annual and 6-month car insurance policy costs, including a monthly insurance rate, for each 2023 Subaru Ascent trim level.

2023 Subaru Ascent Insurance Cost by Trim Level
Subaru Ascent Trim Level Annual Policy Six-Month Policy Per Month
Base AWD$1,336$668$111
Premium AWD$1,382$691$115
Onyx Edition AWD$1,456$728$121
Limited AWD$1,460$730$122
Touring AWD$1,536$768$128

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 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.Data last updated on May 5, 2023
Subaru Ascent Insurance Cost by Trim Level

How does Ascent insurance cost rank?

The Subaru Ascent ranks second out of 31 comparison vehicles in the 2023 midsize SUV segment. The Ascent costs an average of $1,434 per year to insure for full coverage and the class average cost is $1,724 annually, a difference of $290 per year.

When insurance rates are compared among the 2023 midsize SUV segment, insurance for an Ascent costs $442 less per year than the Jeep Grand Cherokee, $328 less than the Toyota Highlander, $70 less than the Ford Explorer, and $480 less than the Jeep Cherokee.

The chart below shows how well Ascent car insurance rates compare to the top 10 best-selling 2023 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 31 models in the midsize SUV category.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2023 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.Data last updated on May 5, 2023
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
1Honda Passport$1,368-$66
2Subaru Ascent$1,434--
3Ford Edge$1,494$60
4Ford Explorer$1,504$70
5Volkswagen Atlas$1,506$72
6Nissan Murano$1,516$82
7Subaru Outback$1,518$84
8Volkswagen Atlas Cross Sport$1,576$142
9Toyota Venza$1,608$174
10Kia Sorento$1,618$184
11Hyundai Palisade$1,638$204
12Toyota 4Runner$1,654$220
13GMC Acadia$1,682$248
14Chevrolet Traverse$1,684$250
15Honda Pilot$1,696$262
16Buick Enclave$1,702$268
17Nissan Pathfinder$1,712$278
18Mazda CX-9$1,720$286
19Mitsubishi Outlander Sport$1,744$310
20Kia Telluride$1,754$320
21Toyota Highlander$1,762$328
22Chevrolet Blazer$1,786$352
23Hyundai Santa Fe$1,810$376
24Jeep Grand Cherokee$1,876$442
25Jeep Cherokee$1,914$480
26Jeep Wrangler$1,952$518
27Ford Bronco$1,962$528
28Tesla Model Y$1,970$536
29Mitsubishi Outlander PHEV$2,018$584
30Dodge Durango$2,102$668
31Rivian R1S$2,160$726