Subaru Ascent insurance rates

How to compare insurance for the Subaru Ascent

Auto insurance is one of those things that almost everyone needs — but nobody hopes to use.

While you typically can’t avoid coverage altogether, you can get stronger rates if you know what to look for.

• Price. When comparing insurance costs across providers, factor in any discounts you might qualify for. Some insurers offer savings for owning your home, bundling policies or being a teacher, which could shave down your premium.
• Deductible. Because your deductible directly affects your premiums, look for an amount that fits your monthly budget and won’t be too expensive if you need to file a claim.
• Minimum coverage. Before purchasing a policy, ensure that it meets your state’s minimum requirements.
• Additional coverage. If you live in an area prone to natural disasters or heavy congestion, you might want the protection of collision or comprehensive coverage.
• Extras. Policy extras like accident forgiveness and vanishing deductibles can tailor a policy to your needs. Find out which are included and which you’ll need to pay for.
• Restrictions. Confirm any restrictions to your policy — like coverage limits — to avoid gaps in coverage or denied claims.
• Manufacturer offer or loyalty discount. Liberty Mutual partners with Subaru to offer exclusive car insurance coverage that could save you up to $509 a year on your premiums.
• Warranty. 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.

What factors affect car insurance rates for the Subaru Ascent?

Insurance providers calculate your premiums based on factors that relate to your odds of an accident and cost of filing claims.

While your age, model, driving history and location will affect the price you pay for coverage, the vehicle you drive often factors heavily into the equation. This is because safety features, vehicle performance, theft rates and other factors vary across makes and models.

• Body type. The Subaru Ascent is a sturdy SUV that holds up well in an accident, which could reduce the cost of insuring it.
• Type of car. The 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.
• Trims. The Ascent is available in four trims: Base, Premium, Limited and Touring. The less expensive trims are often cheaper to insure, so you might keep that in mind when choosing your trim.
• Theft. SUVs like the Ascent are stolen far less than sedans and pickups, which could help you save on premiums.
• Repairs. Subaru vehicles often have above-average repair costs, which might make it more expensive to insure.
• Safety ratings. While the Ascent is too new for official safety ratings, Subaru vehicles are considered safe. This could translate to lower insurance premiums.
• Fuel type. Gas vehicles like the Subaru Ascent are cheaper to insure compared with diesels or hybrids.
• Trim packages. Packages that drastically increase the value or power of your vehicle could lead to higher premiums. That said, choosing options that improve visibility or safety may have the opposite effect.

Subaru Ascent money-saving safety features

The Ascent comes equipped with Subaru’s award-winning safety and driver assistance features that may be eligible for auto insurance discounts.

• Airbags
• Antilock 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 National Highway Traffic Safety Administration has issued a 5-star safety rating for the Subaru Ascent. Along the same lines, 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. In general, Subaru vehicles garner solid safety ratings with features that can help you save on insurance.

For reliability, J.D. Power gives the Ascent a score of 79 out of 100 for the car’s quality and reliability, based on hundreds of thousands of verified car owner reviews. Because Subaru is a popular manufacturer known for solid safety features and ratings, you shouldn’t have a problem finding coverage from a big-name provider.

Subaru Ascent maintenance

The Ascent is a midsize SUV designed to offer a comfortable, dependable driving experience. It comes equipped with safety and driver assistance features that help provide a smooth ride, even on bumpy trips to the cottage or beach.

Despite its versatility, Subaru vehicles are often less reliable and more expensive to repair than the competition. Regardless of what your Ascent is used for, sticking to a routine maintenance schedule can ensure it operates as it should.

• Service appointments. Subaru recommends service appointments every six months or 6,000 miles, whichever comes first. The first appointment includes replacing the engine oil and filter, inspecting various components and servicing the battery.
• Oil changes. Changes should cost between $75 and $150, but your price will vary by repair shop.

Is an extended warranty worth it for the Subaru Ascent?

The Ascent is backed by Subaru’s Limited Warranty, which covers defective OEM parts and service and includes roadside assistance for three years or 36,000 miles.

It also comes with a:

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

For added security, look into Subaru’s lineup of extended service agreements and maintenance plans available in terms of up to seven years or 100,000 miles.

About the Subaru Ascent

The Subaru Ascent was initially announced at the 2017 New York International Auto Show, with a planned release date of late 2018. It was designed as a replacement for the Tribeca, a five- or seven-seat passenger SUV discontinued in 2014.

Production began in early 2018 at the Subaru of Indiana Assembly Plant in Lafayette, Indiana. Although exact specs are unclear at the time of writing, Subaru has announced that the Ascent will come with a 2.4L turbocharged engine that puts out 260 horsepower.

Other little-known facts about Subaru:

• Subaru was founded in 1953. It’s known for manufacturing Japanese automobiles.
• It’s a well-known brand for rally racing. Since 1973, Subaru vehicles have won 47 World Rally Championships.
• Its cars are built to last. Approximately 96% of Subaru cars built in the past 12 years are still on the road today.
• It uses a boxer engine layout. This special engine makes for a safer, smooth ride.
• Its cars are relatively inexpensive. Subaru base prices start at $19,000 and can go up to $32,000.

Bottom line

The Ascent is a midsize SUV equipped with plenty features that Subaru is known for. Because the car is designed for daily driving and road trips, insurance is generally cost-effective. However, Subaru vehicles are often considered less reliable than their competition, so you may spend more than average on repairs and maintenance.

Find the best price on coverage by comparing your car insurance options.