Insurance Costs For Subaru Ascent: What To Expect

The Subaru Ascent is a sturdy, midsize SUV with a three-year warranty and advanced safety features. The cost of insuring a car depends on several factors, including the driver's age, location, driving history, and the car's safety features. The Subaru Ascent is considered a safe vehicle, which could result in lower insurance premiums. The average monthly insurance cost for a Subaru Ascent is $144.83, or $1,737.96 annually, but rates can vary depending on individual circumstances.

The average cost of insurance for a Subaru Ascent is $144.83 per month

The Subaru Ascent is a sturdy SUV that holds up well in an accident, which could reduce the cost of insuring it. It is also a moderately priced midsize SUV, which could further contribute to cheaper insurance rates. The National Highway Traffic Safety Administration has given the Subaru Ascent a 5-star safety rating, and the Insurance Institute for Highway Safety has rated the SUV with its highest "Good" rating across all crash-test categories. This may make the car eligible for auto insurance discounts. Additionally, the Subaru Ascent comes with a three-year, 36,000-mile Subaru Limited Warranty, which includes roadside assistance, so you can save money on insurance by not adding this feature to your policy.

To find the cheapest insurance for your Subaru Ascent, it is recommended to compare quotes from at least three car insurance companies. Some companies known for offering competitive rates for Subaru vehicles include State Farm, Allstate, and USAA. It is also worth considering discounts that may be available, such as those offered by Allstate for drivers who opt for safety features when purchasing a Subaru. By shopping around and strengthening your insurance profile, you may be able to obtain insurance for your Subaru Ascent at an even lower cost than the average.

The Subaru Ascent is a sturdy SUV with a good safety rating, which could reduce insurance costs

The Subaru Ascent is a sturdy and robust SUV with a good safety rating, which could result in lower insurance costs. The National Highway Traffic Safety Administration has awarded the vehicle a 5-star safety rating, and the Insurance Institute for Highway Safety has given it a "Good" rating across all crash-test categories, making it a Top Safety Pick+ for 2021. This means that the Subaru Ascent is likely to be cheaper to insure than other SUVs on the market.

The Subaru Ascent's safety and driver-assistance features may be eligible for auto insurance discounts. Its sturdy build and safety ratings suggest that it would hold up well in an accident, reducing the cost of insuring it. Additionally, the Ascent's fuel type is gas, which is typically cheaper to insure than diesel or hybrid vehicles.

The cost of insuring a Subaru Ascent depends on various factors, including age, location, driving history, education, and marital status. The average monthly insurance cost for a Subaru Ascent is around $142 to $159, which is about $1,737.96 to $1,904 per year. However, some sources state that the annual insurance cost can be as high as $2,424. While these are the average rates, shopping around and comparing quotes from different insurance companies can help you find a lower price.

It is worth noting that the Subaru Ascent's insurance rates are comparable to those of other Subaru models. The Subaru Forester and Outback, which are compact SUVs, tend to be the cheapest to insure among Subaru vehicles. In contrast, the Subaru BRZ, a high-performance sports car, is typically the most expensive to insure within the Subaru lineup.

To summarize, the Subaru Ascent's sturdy build, good safety ratings, and fuel type contribute to potentially lower insurance costs compared to other SUVs and vehicles in the market. However, individual factors such as age, location, and driving history will also impact the final insurance cost.

The age of the driver will impact the insurance cost

The age of the driver is a significant factor in determining insurance costs. Insurance companies use a multitude of criteria to assess a driver's risk level and calculate their insurance premium. While age is just one of these factors, it is an important one.

Younger drivers, especially those in their teens and early 20s, tend to pay the highest insurance rates. This is because they are considered to be high-risk drivers due to their lack of experience and the fact that they are statistically more likely to be involved in accidents. Insurance companies view young drivers as more accident-prone and, therefore, more expensive to insure. The gap between insurance premiums for men and women under 20 is an average of 14%, with young men aged 16 to 19 being more than twice as likely to cause a fatal car accident than their female counterparts.

As drivers mature and gain experience, insurance premiums typically decrease. Middle-aged drivers are considered low-risk and are rewarded with lower premiums than teenagers and young drivers. Drivers aged 30 to 65 benefit from pretty affordable rates.

However, after the age of 60, insurance rates start to increase gradually. This is due to seniors experiencing a natural decline in reflexes and senses, which can impact their driving abilities. For example, an 80-year-old driver pays around $209 per month for full coverage, which is $10 more per month than a 25-year-old.

It is important to note that other factors besides age also influence insurance costs. These include gender, driving record, location, vehicle type, credit score, and marital status. Additionally, insurance rates can vary depending on the specific state and its regulations. While most states consider age as a rating factor, some states like California, Hawaii, Massachusetts, and North Carolina prohibit the use of age in calculating insurance premiums.

The driver's history, including speeding tickets and accidents, will also affect the premium

The cost of insuring a Subaru Ascent depends on several factors, including the driver's history. Insurance providers will consider a driver's history when calculating premiums, as it indicates their odds of an accident and the potential cost of filing claims. A history of speeding tickets and accidents will likely result in higher insurance premiums. Conversely, a clean driving record with no recent claims or violations can lead to lower premiums and even discounts from insurance companies.

The impact of a driver's history on insurance rates can be significant. For example, young drivers with no at-fault accidents or violations can qualify for discounts from companies like State Farm, which offers a 15% discount for drivers under 25 who complete an app-based driver training program. Similarly, USAA offers discounted rates for military members, veterans, and their families, making it an attractive option for young drivers with a military background.

When it comes to the Subaru Ascent, insurance rates can vary. On average, owners pay around $142 to $159 per month for their insurance. However, rates can differ depending on factors such as age, location, driving history, and specific trim packages chosen. For instance, older models may be cheaper to insure, and certain trim packages that enhance safety or visibility may result in lower premiums.

While the Subaru Ascent is a relatively new model, it has already received impressive safety ratings. The National Highway Traffic Safety Administration awarded it a 5-star safety rating, and the Insurance Institute for Highway Safety gave it the highest "Good" rating across all crash-test categories, making it the Top Safety Pick+ for 2021. These safety features can positively impact insurance premiums, making the Subaru Ascent a budget-friendly option for drivers.

In summary, a driver's history, including speeding tickets and accidents, plays a crucial role in determining insurance premiums for a Subaru Ascent. By maintaining a clean driving record and taking advantage of safety features and discounts offered by insurance providers, drivers can help keep their insurance costs for the Subaru Ascent within a manageable range.

The insurance cost for a Subaru Ascent is comparable to other SUV models

The Subaru Ascent is a sturdy SUV that holds up well in an accident, which could reduce the cost of insuring it. The Insurance Institute for Highway Safety has rated the SUV with its highest Good rating across all crash-test categories, giving it the Top Safety Pick+ award for 2021. The National Highway Traffic Safety Administration has also issued a 5-star safety rating for the Subaru Ascent. This could translate to lower insurance premiums.

The Subaru Ascent is a moderately priced midsize SUV that’s designed for daily driving and road trips. Its reduced risk of accidents could lead to cheaper rates. The Subaru Ascent comes with a three-year, 36,000-mile Subaru Limited Warranty, which includes roadside assistance, so you can pass on adding this feature to your insurance policy.

The cost of insuring a Subaru Ascent depends on the age of the driver, location, driving history, education, marital status, and other factors. The average cost of Subaru Ascent car insurance is $144.83 per month, but if you shop around you could pay even less. The most affordable company for a Subaru Ascent is State Farm with a rate of $109 monthly or $1,303 per year. The average monthly cost to insure a Subaru Ascent is $142, or $1,737.96 a year. However, some older models may cost less to insure than newer models depending on which safety features your vehicle has and which insurer you choose.

Compared to SUV offerings from other brands, insurance for an Ascent is also more affordable, with full coverage insurance premiums coming in about $1 less and $3 less for liability-only insurance. The Subaru Ascent's insurance premium matches the rest of the company's vehicle offerings.

Frequently asked questions