For A 2021 Subaru Ascent insurance costs an average $144.83 per month — or $1,737.96 per year. However, your real prices will vary depending on your driving history, car model, and region.
How to compare insurance for the Subaru Ascent
Automobile insurance is one of those things that virtually everyone requires — but practically no one wishes to use.
While you cannot generally skip coverage entirely, you can obtain more favorable prices if you know what to search for.
- Price. When comparing insurance rates between providers, take into account any discounts you may be eligible for. Certain insurers provide discounts for house ownership, policy bundling, and teaching status, which may result in a lower cost.
- Deductible. Because your deductible directly influences your rates, choose a value that matches your monthly budget while being affordable in the event of a claim.
- Minimum coverage. Prior to purchasing insurance, verify that it complies with the state’s minimal criteria.
- Additional coverage. If you reside in a region prone to natural catastrophes or heavy traffic, collision or comprehensive coverage may be necessary.
- Extras. Extras like accident forgiveness and vanishing deductibles let you to customise your coverage to your specific needs. Determine which services are covered and which are not.
- 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 and Subaru have partnered to offer unique auto insurance coverage that may save you up to $509 per year on rates.
- Warranty. The Subaru Ascent is covered by a three-year, 36,000-mile Subaru Limited Warranty that includes roadside assistance, so you may avoid adding this coverage to your insurance policy.
What factors affect car insurance rates for the Subaru Ascent?
Insurance companies determine your premiums depending on criteria such as your risk of being involved in an accident and the expense of submitting claims.
While your age, gender, driving record, and city all have an effect on the amount you pay for coverage, the car you drive frequently plays a significant role. This is because car safety features, performance, theft rates, and other variables vary significantly between brands and models.
- Body type. The Subaru Ascent is a rugged SUV that performs admirably in an accident, which may result in lower insurance costs.
- Type of car. The Ascent is an affordable midsize SUV that is ideal for daily driving and road vacations. Its lower risk of accidents may result in lower rates.
- Trims. There are four trim levels available for the Ascent: Base, Premium, Limited, and Touring. The less costly trims are frequently less expensive to insure, so bear that in mind when selecting your trim.
- Theft. SUVs like the Ascent are stolen at a far lower rate than sedans and trucks, which may result in lower insurance costs.
- Repairs. Subaru automobiles frequently have higher-than-average repair expenses, which may increase the cost of insurance.
- Safety ratings. While the Ascent is still too young to get official safety ratings, Subaru cars are generally considered to be safe. This might result in decreased insurance prices.
- Fuel type. In comparison to diesel or hybrid vehicles, gas-powered vehicles such as the Subaru Ascent are less expensive to insure.
- Trim and packages. Packages that significantly improve the value or performance of your car may result in increased premiums. Choosing alternatives that increase visibility or safety, on the other hand, may have the opposite impact.
Subaru Ascent money-saving safety features
The Ascent includes Subaru’s award-winning safety and driver assistance technologies, which may qualify for auto insurance reductions.
- 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 National Highway Traffic Safety Administration has awarded the Subaru Ascent a five-star safety rating. Similarly, the Insurance Institute for Highway Safety has given the SUV its maximum Good grade across all crash test categories, naming it the 2021 Top Safety Pick+. Subaru automobiles, on the whole, have high safety ratings and include features that might help you save money on insurance.
J.D. Power rates the Ascent’s quality and reliability at 79 out of 100, based on hundreds of thousands of verified automobile owner evaluations. Because Subaru is a well-known manufacturer with a reputation for high-quality safety features and ratings, you should have no trouble obtaining coverage from a reputable provider.
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Subaru Ascent maintenance
The Ascent is a midsize SUV with a focus on comfort and dependability. It has safety and driver aid elements that contribute to a pleasant ride, even on rough road journeys to the cottage or beach.
Subaru automobiles, despite their flexibility, are frequently less dependable and more expensive to fix than the competitors. Regardless of the purpose for which your Ascent is used, adhering to a normal maintenance program may help ensure that it functions properly.
- Service appointments. Subaru recommended that you schedule service every six months or 6,000 miles, whichever comes first. The initial appointment will involve the replacement of the engine oil and filter, an inspection of different components, and battery service.
- Oil changes. Replacements should cost between $75 and $150, however the cost will vary depending on the repair business.
Is an extended warranty worth it for the Subaru Ascent?
The Ascent is covered by Subaru’s Limited Warranty, which covers faulty OEM parts and service for three years or 36,000 miles and includes roadside assistance.
Additionally, it includes a:
- Five-year, 60,000-mile powertrain warranty.
- Three-year, 36,000-mile wear item warranty.
- Five-year rust warranty.
Consider Subaru’s extended service agreements and maintenance plans, which are available for up to seven years or 100,000 miles.
About the Subaru Ascent
The Subaru Ascent was first revealed during the 2017 New York International Auto Show, with a projected late-2018 sale date. It was developed to succeed the Tribeca, a five- or seven-seat passenger SUV that was phased out in 2014.
Subaru of Indiana Assembly Plant in Lafayette, Indiana began production in early 2018.
While exact specifications are unknown at the time of writing, Subaru has stated that the Ascent would be equipped with a 2.4L turbocharged engine producing 260 horsepower.
Other little-known facts regarding Subaru include the following:
- Subaru began operations in 1953. It is well-known for producing Japanese vehicles.
- It is a well-known rally racing brand. Subaru cars have won 47 World Rally Championships since 1973.
- Its automobiles are constructed to last. Around 96 percent of Subaru vehicles manufactured in the last 12 years remain on the road today.
- It is powered by a boxer engine. This unique engine provides a more secure and comfortable ride.
- Its automobiles are reasonably priced. Subaru’s basic pricing ranges from $19,000 to $32,000.
The Ascent is a midsize SUV that comes standard with a slew of Subaru-exclusive features. Insurance is typically inexpensive due to the car’s design for everyday driving and road trips. However, because Subaru automobiles are frequently seen as less dependable than their competitors, you may incur higher than average repair and maintenance costs.
Check out our review for the following Subaru vehicle.