About $1,180 a year for full coverage on a national average — 18% less than the $1,438 average car. Insurers rate the Isuzu Ascender at an index of 82 where 100 is a typical vehicle, based on how often and how expensively these cars actually generate claims (latest data covers 2006-2008).
The premium isn't spread evenly across the Isuzu Ascender: Property damage — damage you cause to other property — carries its highest loss index at 125, while Collision sits at 68. Those 57 points are the real reason behind the price, and they are the part a quote form never shows you. Over 4 generations of data the index has fallen from 96 (2004-2006) to 82 (2006-2008). Calculated from 8 insurance-loss records.
Why a Ascender costs what it does
Insurers don't price a car with one number — they track losses separately for each kind of cover. An index of 100 is the average vehicle, so anything above means this model generates costlier claims of that type:
Read it as «where the money goes». A high Collision figure means these cars are expensive to repair after a crash; a high Comprehensive figure points at theft, weather and vandalism instead. Estimated annual split at $1,180: Liability (BI + PD) $566 · Collision $330 · Comprehensive $142 · Other (UM / PIP) $142.
How it changed by generation
Insurance-loss index of the Ascender across every generation in the data. Newer isn't automatically cheaper — driver-assist systems cut crash frequency, while sensors and aluminium panels push repair bills up:
Each point averages every recorded variant of that generation. The Ascender has become cheaper to insure over time (-14 points).
What a Ascender costs by state
Where you park matters as much as what you drive. The Ascender's index applied to each state's average premium — the same car, the same cover, different postcode:
| State | Ascender est. / yr | vs national |
|---|---|---|
| Florida | +39% vs US | |
| Louisiana | +38% vs US | |
| New York | +32% vs US | |
| District of Columbia | +26% vs US | |
| Georgia | +21% vs US | |
| Texas | +20% vs US | |
| Wisconsin | -31% vs US | |
| Hawaii | -31% vs US | |
| Idaho | -32% vs US | |
| North Dakota | -33% vs US | |
| Vermont | -33% vs US | |
| Maine | -36% vs US |
Six priciest and six cheapest states shown. Figures are the state's average premium scaled by the Isuzu Ascender's loss index of 82 — your own quote also depends on age, record, deductible and ZIP.
Isuzu Ascender insurance — frequently asked
How much is insurance for a Isuzu Ascender?
About $1,180 a year for full coverage at the national average, versus $1,438 for a typical car. That's the model's insurance-loss index of 82 applied to the US average premium.
Why is the Ascender expensive or cheap to insure?
For the Isuzu Ascender the costliest area is Property damage at an index of 125, covering damage you cause to other property — against 68 for its cheapest. Insurers set premiums from claim history like that, not from the sticker price — which is why the Isuzu Ascender lands at 82, not at what it costs new.
Where does this data come from?
Insurance-loss indices published for real vehicles, combined with NAIC state average premiums. It's claim history, not a quote engine — so it shows what these cars actually cost insurers rather than what one company would offer you.
Will my own quote match this?
Treat it as a baseline for the car itself. Your figure also moves with age, driving record, deductible, mileage and ZIP code — the same Ascender can differ by hundreds between two drivers.
How we work this out
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