Subaru Ascent Car Insurance Rates

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Insurance for a Subaru Ascent in the year 2021 Ascent has a yearly cost of $1,737.96, or an average of $144.83 each month. However, your actual costs will differ according to your driving history, car model, and location.

How to compare insurance for the Subaru Ascent

Subaru Ascent Car Insurance Rates - Subaru Logo

Most people need car insurance, but almost no one wants to use it when the time comes.

While it’s impossible to do without coverage altogether, there are ways to find it at a lower cost if you know where to go.

  • Price. Be sure to account for any discounts that you’re qualified for when comparing insurance costs amongst providers. Some insurers provide discounts for home ownership, policy bundling, and being a teacher, all of which can lead to cheaper premiums for students and teachers.
  • Deductible. The deductible you set will have a significant impact on your premiums, so pick a figure that is both within your monthly budget and also manageable in the case of an insurance claim.
  • Minimum coverage. Verify that any insurance you consider purchasing meets the state’s bare-bones requirements before you buy it.
  • Additional coverage. Locals in disaster-prone areas or areas with high traffic may need collision or comprehensive coverage.
  • Extras. If you want to tailor your insurance to your individual requirements, options like accident forgiveness and vanishing deductibles are available. Make a list of the services you have access to and the ones you don’t.
  • Restrictions. In order to minimize coverage gaps or refused claims, confirm any policy restrictions (such as coverage limits).
  • Manufacturer offer or loyalty discount. With the help of Liberty Mutual and Subaru, you may save up to $509 a year on your vehicle insurance premiums.
  • Warranty. In order to avoid having to purchase additional insurance to cover the Subaru Ascent’s roadside assistance, it comes with a three-year per 36,000-mile Subaru Limited Warranty.

What factors affect car insurance rates for the Subaru Ascent?

Insurance companies determine your premiums depending on criteria such as your risk of being in a car accident and having to pay for insurance claims.

When it comes to insurance rates, factors such as your gender, age, and driving record all have a part. However, the vehicle you drive regularly has the most impact. This is due to the fact that automobile performance, safety features, theft rates, and other factors differ greatly between different manufacturers and models.

  • Body type. When involved in a collision, the Subaru Ascent SUV performs excellently, which might lead to cheaper insurance rates.
  • The make and model of the automobile. The Ascent is a budget-friendly midsize SUV that’s great for commuting and road trips both. Because of the decreased chance of an accident, premiums may be lower.
  • Trims. The Ascent comes in four trim levels: Base, Premium, Limited, and Touring. Each trim level has its own set of features and benefits. When choosing your trim, keep in mind that the less expensive options will likely be less expensive to insure.
  • Theft. Due to the reduced theft rate of SUVs like the Ascent compared to cars and pickups, insurance rates may be cheaper.
  • Repairs. Subaru cars are notorious for having higher-than-average repair costs, which might raise your insurance premiums.
  • Ratings of safety. Although the Ascent is still too new to get official safety ratings, Subaru automobiles in general are seen to be safe by the general public. As a result, insurance premiums may go down.
  • Type of fuel used. Gas-powered cars like the Subaru Ascent are less expensive to insure than diesel or hybrid models.
  • Cut and box the leftovers. Premiums may rise if you purchase add-ons that significantly improve the value or performance of your automobile. The reverse effect might occur if you choose for options that improve visibility or safety.

Subaru Ascent money-saving safety features

It has Subaru’s award-winning safety and driver-assistance features, which may be eligible for lower vehicle insurance.

  • 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 Subaru Ascent received a five-star overall safety rating from the NHTSA. An independent crash test organization deemed it a Top Safety Pick+ for 2021 after awarding it the maximum possible Good score in all crash-test categories. Generally speaking, Subaru vehicles have excellent safety ratings and are equipped with extras that might help you save money on your auto insurance premiums.

Based on the reviews of tens of thousands of actual Ascent owners, J.D. Power gives the Ascent a quality and dependability rating of 79 out of 100. Due to Subaru’s reputation for high-quality safety features and ratings, getting insurance from a reliable carrier should be simple.

Subaru Ascent maintenance

The Ascent is a comfortable and dependable midsize SUV. When traveling to the cottage or beach, it includes safety and driver-assistance features that make the trip more enjoyable.

Because of this, Subaru vehicles are often less reliable and more expensive to maintain than their rivals. 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. Subaru recommends scheduling maintenance every 6,000 miles or six months. During the first visit, the engine oil and filter will be replaced, other components will be inspected, and the battery will be serviced.
  • Oil changes. Replacing anything should cost anywhere from $75 to $150, but the price depends on the repair shop.

Is an extended warranty worth it for the Subaru Ascent?

Subaru’s Limited Warranty covers the Ascent for three years or 36,000 miles, whichever comes first, and includes roadside assistance.

Aside from that, it has a:

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

Consider Subaru’s seven-year or 100,000-mile extended service agreements and maintenance plans.

About the Subaru Ascent

At the 2017 New York International Auto Show, Subaru initially unveiled the Ascent, which is expected to be on sale in late 2018. The Tribeca, a five- or seven-seat passenger SUV that was phased out in 2014, sparked the development of the new model.

Earlier this year, Subaru began producing vehicles at the Lafayette Assembly Plant, in Indiana.

Subaru has confirmed that the Ascent would have a 2.4-liter turbocharged engine with 260 horsepower, but no further details have been released as of yet.

Subaru has a few other interesting facts you may not be aware of:

  • As early as 1953, Subaru commenced operations. In the auto industry, it is well-known for making Japanese models.
  • A well-known name in rallying, this is the brand you’re looking at. Over the course of the World Rally Championship’s existence, Subaru vehicles have taken home 47 victories.
  • It builds cars that are built to last. Subaru automobiles produced in the previous 12 years still have a resale value of over 96%.
  • An old-school boxer engine is what gives it some muscle. An improved and more pleasant ride is made possible thanks to the use of this special engine.
  • It sells cars at a reasonable cost. The starting price for a new Subaru is $19,000, and the base model goes up to $32,000.

Bottom line

The Ascent is a mid-size SUV featuring a plethora of Subaru-only features as standard equipment. Because the car’s built for daily use and long road journeys, insurance is often quite affordable. Although Subaru vehicles are known to be less trustworthy than those of their competitors, you may find that your repair and maintenance expenses are greater than normal.

Check out our review of Kia Telluride Car Insurance Rates for one more car insurance review.