Car Insurance for a Subaru Ascent
The Subaru Ascent is a spacious and reliable midsize SUV, ideal for families and adventure seekers alike. Known for its all-wheel drive, advanced safety features, and versatile interior, the Ascent is a popular choice among drivers who prioritize comfort and functionality. Ensuring your Subaru Ascent is adequately insured is a vital step in protecting your investment and ensuring peace of mind. This comprehensive guide explores the costs, factors affecting premiums, coverage options, discounts, and money-saving tips for Subaru Ascent car insurance.
How Much is Car Insurance for a Subaru Ascent?
The average annual cost of insuring a Subaru Ascent ranges between $1,300 and $2,000 for full coverage. Premiums vary depending on factors such as your location, driving history, and the level of coverage selected.
| Coverage Type | Average Annual Cost |
|---|---|
| Liability-Only | $400 – $700 |
| Full Coverage | $1,200 – $2,000 |
Higher trims or newer models of the Ascent may incur slightly higher premiums due to their increased value and advanced features.
Who Offers the Cheapest Car Insurance for a Subaru Ascent?
Here are some insurance providers known for offering competitive rates for Subaru Ascent owners:
| Insurance Provider | Average Annual Premium (Full Coverage) |
|---|---|
| GEICO | $1,400 |
| Progressive | $1,450 |
| State Farm | $1,500 |
| Allstate | $1,600 |
| USAA (for military) | $1,300 |
USAA provides the most affordable rates for military personnel and their families. GEICO and Progressive also offer competitive options for civilian drivers. Comparing quotes from multiple providers ensures you get the best deal tailored to your needs.
Factors Affecting Subaru Ascent Insurance Rates
Several factors influence the cost of insuring a Subaru Ascent:
- Driver Profile:
- Age, gender, driving experience, and accident history significantly impact premiums.
- Younger drivers or those with a history of violations typically pay higher rates.
- Location:
- Urban areas with high traffic congestion and theft rates generally have higher premiums than rural locations.
- Model Year and Trim Level:
- Newer models or higher trims with advanced features may have higher premiums due to increased repair or replacement costs.
- Safety Features:
- The Ascent’s advanced safety technologies, including Subaru’s EyeSight Driver Assist, adaptive cruise control, and lane-keeping assistance, can lower premiums by reducing accident risk.
- Vehicle Usage:
- Whether the vehicle is used for personal, business, or recreational purposes can affect insurance rates.
- Annual Mileage:
- Lower mileage can qualify for discounts as reduced usage decreases the likelihood of accidents.
- Credit Score:
- A good credit score often results in lower premiums, as insurers view it as an indicator of financial responsibility.
Subaru Ascent Car Insurance Discounts
Taking advantage of discounts can significantly reduce your Subaru Ascent insurance costs. Common discounts include:
- Safe Driver Discounts: Rewarded for maintaining a clean driving record.
- Bundling Discounts: Save by combining auto insurance with home or renters insurance.
- Multi-Vehicle Discounts: Offered when insuring multiple vehicles under the same policy.
- Anti-Theft Discounts: Provided for vehicles equipped with advanced anti-theft systems.
- Usage-Based Discounts: Programs like Progressive’s Snapshot reward safe driving habits monitored through telematics.
- Pay-in-Full Discounts: Save by paying your premium upfront instead of in monthly installments.
- Good Student Discounts: For young drivers with excellent academic performance.
- Military Discounts: Available through providers like USAA for military personnel and their families.
Subaru Ascent Insurance Costs by Model Year
The model year of your Subaru Ascent affects insurance premiums. Newer models generally have higher rates due to their increased value and advanced features.
| Model Year | Average Annual Premium (Full Coverage) |
|---|---|
| 2024 | $2,000 |
| 2023 | $1,950 |
| 2022 | $1,900 |
| 2021 | $1,850 |
| 2020 | $1,800 |
| 2019 | $1,750 |
Older models typically have lower premiums but may lack modern safety features that qualify for additional discounts.
Subaru Ascent Car Insurance Coverages
To ensure comprehensive protection for your Subaru Ascent, consider the following coverage options:
- Liability Coverage:
- Covers damages and injuries caused to others in an accident. This is mandatory in most states.
- Collision Coverage:
- Pays for damages to your vehicle caused by a collision, regardless of fault.
- Comprehensive Coverage:
- Protects against non-collision incidents such as theft, vandalism, or weather-related damage.
- Uninsured/Underinsured Motorist Coverage:
- Covers your expenses if the at-fault driver lacks adequate insurance.
- Personal Injury Protection (PIP):
- Covers medical expenses and lost wages following an accident. Required in no-fault states.
- Gap Insurance:
- Covers the difference between your vehicle’s value and the amount owed on your loan if it’s totaled.
- Roadside Assistance:
- Offers towing, flat tire changes, and other emergency services.
- Rental Car Reimbursement:
- Covers the cost of a rental vehicle while your Subaru Ascent is being repaired.
Choosing the right combination of coverages ensures comprehensive protection while meeting your budget.
How to Save Money on Subaru Ascent Insurance
Here are some strategies to reduce your Subaru Ascent insurance premiums:
- Compare Quotes:
- Shop around and compare rates from multiple providers to find the best deal.
- Increase Your Deductible:
- Opt for a higher deductible to lower your premium. Ensure you can afford the out-of-pocket cost in case of a claim.
- Maintain a Clean Driving Record:
- Avoid accidents and traffic violations to qualify for safe driver discounts.
- Bundle Policies:
- Combine your auto insurance with other policies for additional savings.
- Drive Less:
- Low-mileage drivers may qualify for reduced rates.
- Utilize Discounts:
- Take advantage of multi-policy, good student, and anti-theft discounts.
- Improve Your Credit Score:
- A higher credit score can lead to lower premiums with most insurers.
- Enroll in Telematics Programs:
- Many insurers offer discounts for safe driving behaviors monitored through telematics devices.
- Avoid Filing Small Claims:
- Filing minor claims can increase your premiums over time. Pay for small repairs out of pocket when possible.
FAQs
Liability-only insurance typically costs between $500 and $800 annually, depending on your location and driving history.
Yes, newer models generally have higher premiums due to their increased market value and advanced features.
Yes, features like Subaru’s EyeSight Driver Assist technology can qualify for discounts.
USAA offers the lowest rates for military families, while GEICO and Progressive provide competitive options for other drivers.
If you’re financing or leasing your Ascent, gap insurance is recommended to cover the difference between your car’s value and loan balance.
Yes, lower mileage can qualify for discounts as it reduces the likelihood of accidents.
Generally, older models have lower premiums due to reduced market value, but they may lack modern safety features.
About The Author
Andy Walker is a freelance content writer who specializes in writing for insurance and finance related niches. He has years of experience in this field and has written extensively on a variety of topics. Andy’s work is always highly polished and well-researched, ensuring that his clients are always happy with the results.