How much is insurance on a Subaru Ascent?

Priced for the 2024 Ascent, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Ascent's rank is the same in every state.

Why the Subaru Ascent costs what it does

What HLDI reports (2022–24 models, all drivers combined)

The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the Subaru Ascent 4dr 4WD with EyeSight, on HLDI's scale where 100 is an average car and lower is better, it reports 70 for crash repairs, 85 for non-crash damage, 63 for damage to others' property, and 59 for injury claims.

• Crash repairs (collision)fixing this car after a crashBetter than average30% better than average5th best of the 25 midsize SUVs we compare
• Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesAverage15% better than average11th best of the 24 midsize SUVs we compare
• Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultBetter than average37% better than average5th best of the 25 midsize SUVs we compare
• Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costBetter than averagefiled 41% less often than averagebest of the 21 midsize SUVs we compare

Source: HLDI, insurance losses by make and model, 2022–24 models.

What we estimate that means for price

Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Ascent comes out about 26% better than average. We count about 40% of that difference, so the part of the bill that fixes the car is about 11% less than average: about $850 a year vs $950. On the liability side, damage to others and injury claims combine to about 39% better than average. Counting about half would go past the band insurers' own car ratings stay inside, so we hold that part at 20% less than average: $790 a year vs $990.

How the math works

In EPA size classes, the Ascent is a standard SUV (gas-powered). In Highway Loss Data Institute loss tables, the Subaru Ascent is benchmarked against midsize SUVs.

Matched to HLDI series “Subaru Ascent 4dr 4WD with EyeSight” (HLDI, 2022–24 models).

A used Subaru Ascent, by model year

One model year per age group. Liability only: no coverage for the car itself. Teen columns: a new 16-year-old. Each row uses the HLDI report that covers that model year.

Model year	Full coverage	Liability only	Adding a teen	Teen on their own policy
2024 Ascent (0–3 years old)	about $1,640	about $790	+$1,080	about $4,710
2022 Ascent (4–7 years old)	about $1,540	about $790	+$1,020	about $4,420

Our catalog covers the Subaru Ascent across model years 2019–2027. Full coverage on a used 2022 Ascent (4–7 years old) runs about $1,540 a year, $100 less than on a 2024. Dropping collision and comprehensive on that 2022 brings liability-only coverage to about $790 a year. Each photo shows that year's generation of the car. Photo credits.

All 2 versions of the 2024 Subaru Ascent in our catalog (Ascent and Ascent Limited/Touring/Onyx AWD) price within about $50 a year of each other.

On a policy of their own with a 2024 Subaru Ascent, a 22–25-year-old pays about $2,130 a year ($490 more than a 45-year-old), a 26–39-year-old about $1,820, and a driver 65 and older about $1,720.

Adding a 16-year-old with a Subaru Ascent

Because the Subaru Ascent starts from lower losses than most cars, adding a new 16-year-old driver raises the family bill by about $1,080 a year ($90 a month), $200 less than adding a teen with an average car of the same age. Putting that 16-year-old on a policy of their own instead costs about $4,710 a year, about $3,620 more than sharing the family policy.

For adding a teen driver, the Subaru Ascent ranks 6th cheapest out of all 121 models we track. Stepping down to a used 2022 Ascent (4–7 years old) brings the teen add-on to about $1,020 a year.

That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.

Similar midsize SUVs

Among these 25 midsize SUVs, the Subaru Ascent is the 3rd least expensive to insure. Right next to it are the GMC Acadia (about $1,590 a year) and the Honda Pilot (about $1,660).

• 2024 Chevrolet Traverseabout $1,580 ($60 less)
• 2024 GMC Acadiaabout $1,590 (about the same)
• 2024 Subaru Ascentabout $1,640 (this car)
• 2024 Honda Pilotabout $1,660 (about the same)
• 2024 Honda Passportabout $1,720 ($80 more)
• 2024 Toyota 4Runnerabout $1,740 ($100 more)
• 2024 Volkswagen Atlasabout $1,740 ($100 more)

Photos from Wikimedia Commons contributors. Photo credits.

What a Subaru Ascent costs in your state

In six sample states, a 2024 Subaru Ascent runs from about $1,090 a year in Vermont through Kansas, Illinois, Oklahoma and New Jersey to about $2,160 in New York:

• Vermontabout $1,090/yr · +$720 teen
• Kansasabout $1,350/yr · +$890 teen
• Illinoisabout $1,430/yr · +$950 teen
• Oklahomaabout $1,510/yr · +$1,000 teen
• New Jerseyabout $1,930/yr · +$1,270 teen
• New Yorkabout $2,160/yr · +$1,430 teen

All 50 states and DC · Updated November 5, 2026.

Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.

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