Subaru Ascent Car Insurance Rates

Subaru Ascent car insurance rates policy coverage is $1,737.96 per year, or $144.83 per month on average. Actual prices, on the other hand, will vary based on factors including your driving record, vehicle type, and where you are located.

How to compare insurance for the Subaru Ascent

Subaru Ascent Car Insurance Rates - Subaru Logo

Car insurance is required by law, yet virtually no one wants to use it.

As long as you have coverage, it is feasible to find it for less money if you know where to look.

  • Price. Comparing insurance prices across providers, be careful to take any discounts into consideration. Homeownership, insurance bundling and teaching may all contribute to lower rates for students and instructors, according to several insurers.
  • Deductible. In order to keep your rates low, choose a deductible that is both within your monthly budget and reasonable should you ever need to file an insurance claim.
  • The bare minimum in terms of coverage. Verify before buying that any insurance you are contemplating satisfies the state’s bare-minimum standards.
  • The addition of further information. People who live in disaster-prone or heavily trafficked regions may need collision or comprehensive insurance.
  • Extras. Options like accident forgiveness and vanishing deductibles are available if you want to customize your insurance to your specific needs. Compile a list of all the services to which you have and do not have access.
  • Restrictions. Verify any insurance limitations to reduce coverage gaps and denied claims (such as coverage limits).
  • Offers from the manufacturer or a discount for returning customers. It is possible to save as much as $509 a year on your car insurance rates by working with Liberty Mutual and Subaru.
  • Warranty. The Subaru Ascent features a three-year/36,000-mile Subaru Limited Warranty as standard equipment to eliminate the need for extra roadside assistance insurance.

What factors affect car insurance rates for the Subaru Ascent?

If you have a high chance of getting in a vehicle accident and having to pay for insurance claims, your insurance company will charge you a higher premium.

Gender, age, and driving record are all taken into account when determining insurance premiums. The car you drive on a daily basis, on the other hand, makes the most difference. Various car brands and models have vastly varied specifications when it comes to performance, safety, and theft rates.

  • Body type. The Subaru Ascent SUV performs well in collisions, which may contribute to lower insurance premiums.
  • The vehicle’s manufacturer and model. For both commutes and long road trips, the Ascent is an excellent midsize SUV. Premiums may be reduced because of a lesser risk of an accident.
  • Trims. You may choose from the Base, Premium, Limited, or Touring versions of the Ascent depending on your needs. The features and advantages of each trim level differ somewhat. Keep in mind that the less costly choices will be less expensive to insure when making your selection of trim.
  • Theft. In comparison to cars and trucks, SUVs like the Ascent have a lower theft rate, which may lead to lower insurance premiums.
  • Repairs. Insurance rates may go up if you own a Subaru because of the car’s high maintenance expenses.
  • Perceived levels of safety. Despite the fact that the Ascent is still too young to get official safety ratings, the general public views Subaru cars as being safe. Insurance rates may go down as a consequence of this.
  • Combustion method used. In comparison to diesel and hybrid vehicles, gas-powered automobiles such as the Subaru Ascent are less costly to insure.
  • Save the extras by chopping and packaging them. You may see an increase in premiums if you make substantial improvements to the worth or performance of your car. If you select for solutions that increase visibility or safety, the repercussions may be the opposite.

Subaru Ascent money-saving safety features

You may get cheaper auto insurance rates if you buy this car because of the award-winning safety and driver-assistance features from Subaru.

  • Airbags
  • Anti Lock brakes
  • Antitheft device
  • Daytime running lights
  • Electronic stability control
  • Backup camera
  • Lane departure warning system
  • Adaptive cruise control

Subaru Ascent safety and reliability ratings

The NHTSA gave the Subaru Ascent a perfect score of five stars on the road test, and it’s little wonder. After receiving the highest possible Good score in all crash test categories, an independent crash test organization named it a Top Safety Pick+ for 2021. Overall, Subaru cars have outstanding safety ratings and come with optional features that may lower your car insurance costs.

Subaru Ascent maintenance

It’s a reliable and comfortable midsize SUV. Safety and driver aid features make road trips to the cottage or the beach more pleasurable.

Due to this, Subaru cars are less dependable and costlier to maintain when compared to the ones they replace. No matter what you plan to use your Ascent for, following a routine maintenance schedule can help keep it in good working order.

  • Service appointments. Every 6,000 miles or six months, Subaru advises having your car serviced. The engine oil and filter will be changed, as well as other components, and the battery will be serviced on the first visit.
  • Oil changes. Anything that has to be replaced should cost between $75 and $150, depending on the repair business.

Is an extended warranty worth it for the Subaru Ascent?

Roadside support and a three-year/36,000-mile limited warranty are both included in the Ascent’s purchase price.

However, it also has a:

  • Five-year, 60,000-mile powertrain warranty.
  • Three-year, 36,000-mile wear item warranty.
  • Five-year rust warranty.

The extended service agreements and maintenance plans from Subaru, which last for seven years or 100,000 miles, are one option to consider.

About the Subaru Ascent

Subaru first revealed the Ascent at the 2017 New York International Auto Show. It will be on sale in late 2018 and is anticipated to cost about $32,000. It all started with the Tribeca, a five- or seven-seater SUV that was phased out in 2014.

Subaru started building cars at the Lafayette Assembly Plant in Indiana earlier this year.
Subaru has announced that the Ascent will be powered by a 260-horsepower 2.4-liter turbocharged engine, but no further information has been made public.

Other fascinating facts about Subaru that you may not be aware of include:

  • Subaru first opened into business in 1953. Japanese models are well-known in the automotive business.
  • This is a well-known rallying brand that you’re considering. Subaru cars have won 47 races throughout the World Rally Championship’s history.
  • It creates long-lasting automobiles. More than 96% of Subaru cars produced in the preceding 12 years are still worth money.
  • What gives it some power is a vintage boxer engine from the ’50s. The adoption of this unique engine allows for a smoother and more enjoyable ride.
  • It has a good selection of vehicles and charges fair prices for them. New Subarus start at $19,000 and go all the way up to $32,000 depending on the model.

Bottom line

The Ascent is a mid-size SUV that comes equipped with a slew of exclusive Subaru features. Insurance is typically quite cheap since the vehicle is designed for everyday usage and lengthy road trips. In spite of Subaru’s reputation for being less dependable, you may discover that your repair and maintenance costs are more than usual.

For another car insurance review, visit our review of Kia Telluride Car Insurance Rates.