Cheap Subaru Ascent Car Insurance in 2024 (Earn Savings With These 10 Companies)

Progressive, State Farm, and The General are leading providers for cheap Subaru Ascent car insurance, with rates starting as low as $48 per month.

Purchasing car insurance is essential for financial protection in accidents, theft, or damage. For a multiple owner vehicle, who is required to carry insurance usually includes all registered owners, ensuring the vehicle is properly covered.

Our Top 10 Company Picks: Cheap Subaru Ascent Car Insurance

For Subaru Ascent owners, it’s essential to understand the factors that influence car insurance rates and explore ways to find affordable coverage without sacrificing essential protection. Enter your ZIP code now to begin.

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#1 – Progressive: Top Overall Pick

Pros

• Affordable Rates: Known for offering competitive rates, starting as low as $48 per month for Subaru Ascent drivers, making it the top choice for budget-conscious Subaru Ascent owners.
• Comprehensive Online Tools: User-friendly website and mobile app for easy policy management and claims filing, allowing Subaru Ascent owners to handle their insurance needs conveniently. Read more through our Progressive insurance review.
• Wide Range of Coverage Options: Offers various coverage types, including liability, collision, and comprehensive, ensuring customized plans that meet the diverse needs of Subaru Ascent enthusiasts.

Cons

• Customer Service: Some customers report inconsistent service experiences, which can be a drawback during claims processes, potentially leading to frustration and delays for Subaru Ascent owners.
• Rate Increases: Policyholders have noted potential rate increases after the initial policy period, making it important for Subaru Ascent drivers to review and understand long-term cost implications.

#2 – State Farm: Best for Young Drivers

Pros

• Young Driver Discounts: Offers substantial discounts for young drivers, making it an attractive option for families with young Subaru Ascent drivers.
• Wide Agent Network: Extensive network of local agents available to provide personalized service and assistance to Subaru Ascent enthusiasts. Learn more through our State Farm insurance review.
• Mobile App Features: Robust mobile app for managing policies, filing claims, and accessing insurance ID cards, enhancing convenience for tech-savvy Subaru Ascent drivers.

Cons

• Lower A.M. Best Rating: With a B rating, it might be less reassuring for Subaru Ascent owners concerned about the company’s financial strength.
• Higher Rates for Some Drivers: Young and high-risk Subaru Ascent drivers might find higher premiums compared to other providers, making it less ideal for certain demographics.

#3 – The General: Best for High-Risk Drivers

Pros

• Affordable Rates for High-Risk Drivers: Known for offering competitive rates for high-risk drivers, making it a top choice for Subaru Ascent drivers with less-than-perfect driving records. High-risk Subaru Ascent enthusiasts can benefit from more manageable premiums.
• Flexible Payment Options: Offers flexible payment plans, allowing Subaru Ascent owners to choose the payment schedule that best fits their budget. This flexibility helps Subaru Ascent drivers manage their finances more effectively. Read more through our The General insurance review.
• Specialized High-Risk Coverage: Expertise in high-risk insurance, ensuring that Subaru Ascent drivers with previous accidents or violations can still get coverage. Subaru Ascent enthusiasts with checkered driving histories can still secure necessary protection.

Cons

• Limited Coverage Options: Fewer coverage options compared to major providers, which may not meet all the insurance needs of Subaru Ascent owners. Subaru Ascent drivers looking for extensive coverage might need to look elsewhere.
• Mixed Customer Service Reviews: Some Subaru Ascent drivers report less satisfactory customer service experiences, indicating variability in support quality. Inconsistent service can be a drawback for Subaru Ascent enthusiasts who value reliable assistance.

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#4 – Allstate: Best for Full Coverage

Pros

• Full Coverage Options: Comprehensive coverage options including liability, collision, and comprehensive insurance, ideal for Subaru Ascent owners seeking extensive protection. These robust options cater to the diverse needs of Subaru Ascent drivers.
• High Financial Strength: Strong A+ A.M. Best rating, providing assurance of reliable claims handling for Subaru Ascent drivers. Financial strength is essential for Subaru Ascent enthusiasts looking for dependable coverage. Learn more through our Allstate insurance review.
• Discounts for Safe Drivers: Offers multiple discounts for safe driving, anti-theft devices, and bundling policies, benefiting Subaru Ascent enthusiasts who prioritize safety. These discounts can significantly lower premiums for safety-conscious Subaru Ascent owners.

Cons

• Higher Premiums: Generally higher premiums compared to other providers, which might be less appealing to budget-conscious Subaru Ascent drivers. Subaru Ascent enthusiasts might find cheaper options elsewhere.
• Mixed Online Experience: Some Subaru Ascent owners report that the online experience can be less intuitive, potentially complicating policy management and claims filing. An easier online interface would benefit tech-savvy Subaru Ascent drivers.

#5 – Farmers: Best for Multi-Policy Holders

Pros

• Multi-Policy Discounts: Significant discounts for bundling multiple policies, beneficial for Subaru Ascent owners with home, life, or other insurance needs. Subaru Ascent drivers can save money by consolidating their insurance. Learn more through our Farmers insurance review.
• Customizable Coverage Options: Offers customizable coverage plans to meet the specific needs of Subaru Ascent enthusiasts, including various add-ons and riders. These options allow Subaru Ascent owners to tailor their policies.
• Good Customer Service: Generally positive customer service reviews, providing reassurance for Subaru Ascent owners during claims processes. Reliable service ensures Subaru Ascent drivers receive timely support.

Cons

• Higher Rates: Typically higher rates compared to some competitors, which might deter budget-conscious Subaru Ascent drivers. Subaru Ascent enthusiasts might find more affordable rates with other providers.
• Limited Online Tools: Less advanced online tools and mobile app features, which can be a drawback for tech-savvy Subaru Ascent enthusiasts who prefer digital management. An enhanced digital experience would benefit these drivers.

#6 – Liberty Mutual: Best for High-Value Cars

Pros

• Coverage for High-Value Cars: Specializes in coverage for high-value cars, making it an excellent choice for Subaru Ascent owners with newer or high-end models. This specialization ensures comprehensive protection for valuable Subaru Ascent vehicles.
• Comprehensive Coverage Options: Offers a wide range of coverage options including liability, collision, and comprehensive, suitable for Subaru Ascent drivers seeking extensive protection. These options cater to the diverse needs of Subaru Ascent enthusiasts.
• Discounts for Safety Features: Offers discounts for vehicles equipped with advanced safety features, benefiting Subaru Ascent owners with newer models. These discounts reward Subaru Ascent drivers for investing in safety. Learn more through our Liberty Mutual insurance review.

Cons

• Higher Premiums for Comprehensive Coverage: Higher premiums for comprehensive coverage options, which might be a consideration for budget-conscious Subaru Ascent drivers. Subaru Ascent enthusiasts might need to balance coverage and cost.
• Mixed Customer Service Reviews: Some Subaru Ascent owners report variability in customer service quality, indicating potential inconsistency in support. Consistent service is crucial for Subaru Ascent drivers during claims processes.

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#7 – Nationwide: Best for Comprehensive Coverage

Pros

• Best for Comprehensive Coverage: Known for offering comprehensive coverage options, making it ideal for Subaru Ascent owners seeking thorough protection. Subaru Ascent drivers can rely on Nationwide for extensive coverage.
• Strong Financial Stability: High A+ A.M. Best rating ensures reliable claims handling and financial security, important for Subaru Ascent drivers. Financial strength means Subaru Ascent enthusiasts can trust their insurer. Read more through our Nationwide insurance review.
• Multi-Policy Discounts: Provides significant discounts for bundling multiple policies, benefiting Subaru Ascent owners with additional insurance needs. These discounts help Subaru Ascent drivers save money across their insurance policies.

Cons

• Higher Rates for Some Drivers: Higher premiums for certain demographics, which might be less attractive to younger or high-risk Subaru Ascent drivers. Subaru Ascent enthusiasts in these groups might need to compare other options.
• Limited Online Support: Some Subaru Ascent owners find the online support and tools less comprehensive compared to competitors, potentially impacting convenience. Enhanced digital tools would benefit tech-savvy Subaru Ascent drivers.

#8 – American Family: Best for Good Student

Pros

• Good Student Discounts: Offers substantial discounts for good students, benefiting Subaru Ascent families with young drivers. These discounts help reduce premiums for Subaru Ascent owners with student drivers.
• Multi-Policy Discounts: Provides discounts for bundling multiple policies, helping Subaru Ascent owners save on overall insurance costs. Bundling allows Subaru Ascent enthusiasts to manage all their policies in one place.
• Strong Financial Ratings: High A+ A.M. Best rating ensures financial stability and reliable claims handling, which is crucial for Subaru Ascent drivers. Financial strength gives Subaru Ascent owners confidence in their coverage. Learn more through our American Family insurance review.

Cons

• Limited Availability: Not available in all states, which can be a drawback for some Subaru Ascent drivers looking for coverage. Subaru Ascent enthusiasts in excluded states will need to look for other options.
• Higher Premiums for Certain Drivers: Higher premiums for certain driver demographics, which might deter budget-conscious Subaru Ascent owners. These drivers might find more affordable rates with other providers.

#9 – USAA: Best for Military Families

Pros

• Military-Specific Benefits: Tailored benefits for military families, making it an excellent choice for Subaru Ascent drivers with military backgrounds. These benefits include special discounts and flexible coverage options for military personnel and their families.
• Highly Rated Customer Service: Consistently receives top marks for customer service, providing reassurance and support for Subaru Ascent owners during claims processes. High-quality service ensures Subaru Ascent enthusiasts receive timely and effective assistance. Read more through our USAA insurance review.
• Comprehensive Coverage Options: Provides a wide range of coverage options including liability, collision, and comprehensive, ensuring Subaru Ascent owners can find the right protection. These options allow Subaru Ascent drivers to customize their policies to meet their needs.

Cons

• Membership Restrictions: Only available to military members and their families, limiting access for Subaru Ascent enthusiasts without military connections. This restriction excludes a significant portion of Subaru Ascent drivers.
• Higher Premiums for Non-Military Drivers: Non-military drivers might find higher premiums, making it less competitive for those outside the military community. Subaru Ascent owners without military backgrounds may need to compare other providers.

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#10 – AAA: Best for Roadside Assistance

Pros

• Roadside Assistance: Renowned for its roadside assistance program, providing peace of mind for Subaru Ascent drivers in case of breakdowns or emergencies. This service is especially valuable for Subaru Ascent enthusiasts who frequently travel.
• Membership Discounts: Offers substantial discounts for AAA members, benefiting Subaru Ascent owners who are already part of the AAA network. These discounts can help Subaru Ascent drivers save money on their insurance premiums.
• Strong Financial Stability: High A.M. Best rating (A), ensuring reliable claims handling and financial security for Subaru Ascent drivers. Financial strength gives Subaru Ascent owners confidence in their insurer’s ability to pay claims. Learn more through our AAA insurance review.

Cons

• Higher Premiums: Generally higher premiums compared to some competitors, which might be less appealing to budget-conscious Subaru Ascent drivers. Subaru Ascent enthusiasts might find cheaper options elsewhere.
• Membership Requirement: Requires AAA membership to access insurance benefits, which might be an additional cost for some Subaru Ascent owners. This requirement could deter Subaru Ascent drivers who are not already AAA members.

Factors That Affect Subaru Ascent Car Insurance Rates

When it comes to determining car insurance rates for your Subaru Ascent, several factors come into play. Insurance companies consider variables such as your driving record, age, gender, location, and credit score.

Additionally, aspects specific to your vehicle, including its make, model, year, and safety features, can impact the cost of insurance. By understanding these factors, you will gain insight into how insurance providers calculate your premium.

Subaru Ascent Car Insurance Monthly Rates by Coverage Level & Provider

Another factor that can affect Subaru Ascent car insurance rates is the level of coverage you choose. Insurance providers offer different types of coverage, such as liability, collision, and comprehensive. The more coverage you opt for, the higher your insurance premium is likely to be. It’s important to carefully consider your coverage needs and budget when selecting the level of insurance for your Subaru Ascent.

Exploring the Average Insurance Costs for Subaru Ascent

The average insurance costs for a Subaru Ascent vary depending on several factors. On average, Subaru Ascent owners can expect to pay around $48 to $75 per month for full coverage auto insurance. However, keep in mind that these figures are estimates and can vary based on individual circumstances, such as your driving history and location.

One of the factors that can affect the insurance costs for a Subaru Ascent is the model year. Generally, newer models tend to have higher insurance premiums due to their higher value and cost of repairs. On the other hand, older models may have lower insurance costs as they are considered less valuable and may have lower repair costs.

Additionally, taking pictures after a car accident can influence insurance costs. Accurate documentation through photos helps insurers assess damage more precisely, potentially affecting the claim outcome and, subsequently, your premiums.

Another factor that can impact insurance costs is the level of coverage chosen. While full coverage insurance provides comprehensive protection, it also tends to be more expensive. Some Subaru Ascent owners may opt for lower levels of coverage, such as liability-only insurance, to reduce their insurance costs.

However, it’s important to consider the potential financial risks of having limited coverage in case of an accident or damage. Enter your ZIP code now to begin comparing.

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Understanding the Different Coverage Options for Subaru Ascent Car Insurance

When selecting car insurance for your Subaru Ascent, it’s crucial to understand the different coverage options available. Common coverage options include liability insurance, which helps cover damages caused to others in an accident, and collision and comprehensive insurance, which provide protection for your vehicle in the event of an accident, theft, or natural disaster.

Uninsured and underinsured motorist coverage is also important to consider, as it provides support if you’re involved in an accident with someone who lacks sufficient coverage.

Additionally, another coverage option to consider for your Subaru Ascent car insurance is medical payments coverage. This type of coverage helps pay for medical expenses for you and your passengers in the event of an accident, regardless of who is at fault.

Medical payments coverage can be especially beneficial if you do not have health insurance or have high deductibles. It provides peace of mind knowing that you have financial protection for medical bills resulting from a car accident.

Tips for Finding Affordable Car Insurance for Your Subaru Ascent

Finding affordable car insurance for your Subaru Ascent requires careful research and consideration. To start, shop around by obtaining quotes from multiple insurance providers to compare prices and coverage options. Bundling your Subaru Ascent car insurance with your homeowner’s or renter’s insurance can offer potential cost savings.

Maintaining a clean driving record is crucial; avoid traffic violations and accidents to keep your insurance rates low. Increasing your deductible may lower your premium, but choose an amount you can comfortably afford. Additionally, take advantage of discounts for safe driving records, anti-theft devices, or completion of defensive driving courses.

Remember, filing a car insurance claim can also impact your rates, so it’s important to understand how your insurer handles claims and how they might affect your premiums. Enter your ZIP code now to begin.

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