Subaru Tribeca Insurance Rates
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UPDATED: Jun 4, 2023
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The average insurance rates for a Subaru Tribeca are $1,020 a year for full coverage insurance. Comprehensive costs around $174 a year, collision costs $214, and liability is $474. A liability-only policy costs around $522 a year, with high-risk insurance costing around $2,186. 16-year-old drivers cost the most to insure at $4,086 a year or more.
Average premium for full coverage: $1,020
Policy rates for type of insurance:
Includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and Tribeca trim levels.
Price Range Variability
For the average 40-year-old driver, Subaru Tribeca insurance rates go from as low as $522 for the bare minimum liability coverage to a high of $2,186 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Choosing to live in a large city can have significant affects on car insurance rates. Areas with sparse population are shown to have a lower frequency of physical damage claims than congested cities.
The diagram below illustrates the difference location can make on auto insurance rates.
The examples above illustrate why it is important to compare rates quotes for a specific zip code and risk profile, instead of using rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Information
The chart below illustrates estimated Subaru Tribeca insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $620
- Raising to $1,000 deductibles will save about $930 each year
- The average rate for a good driver age 40 using $500 deductibles is $1,020
- Buying low $100 deductibles will increase the cost to $1,186
- At-risk drivers with multiple tickets or accidents could pay at least $2,186 or more
- Policy cost for full coverage for a teen driver can be $4,086
Car insurance rates for a Subaru Tribeca also range considerably based on your risk profile, the model year and trim level, and deductibles and policy limits.
Older drivers with no driving violations and high deductibles may pay as little as $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged as much as $4,000 a year. View Rates by Age
Your home state also has a big influence on Subaru Tribeca insurance prices. A middle-age driver might find rates as low as $670 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,380 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $922 | -$98 | -9.6% |
| Alaska | $780 | -$240 | -23.5% |
| Arizona | $846 | -$174 | -17.1% |
| Arkansas | $1,020 | -$0 | 0.0% |
| California | $1,162 | $142 | 13.9% |
| Colorado | $974 | -$46 | -4.5% |
| Connecticut | $1,048 | $28 | 2.7% |
| Delaware | $1,154 | $134 | 13.1% |
| Florida | $1,276 | $256 | 25.1% |
| Georgia | $940 | -$80 | -7.8% |
| Hawaii | $732 | -$288 | -28.2% |
| Idaho | $688 | -$332 | -32.5% |
| Illinois | $760 | -$260 | -25.5% |
| Indiana | $766 | -$254 | -24.9% |
| Iowa | $686 | -$334 | -32.7% |
| Kansas | $970 | -$50 | -4.9% |
| Kentucky | $1,390 | $370 | 36.3% |
| Louisiana | $1,506 | $486 | 47.6% |
| Maine | $628 | -$392 | -38.4% |
| Maryland | $838 | -$182 | -17.8% |
| Massachusetts | $814 | -$206 | -20.2% |
| Michigan | $1,770 | $750 | 73.5% |
| Minnesota | $850 | -$170 | -16.7% |
| Mississippi | $1,220 | $200 | 19.6% |
| Missouri | $904 | -$116 | -11.4% |
| Montana | $1,094 | $74 | 7.3% |
| Nebraska | $802 | -$218 | -21.4% |
| Nevada | $1,222 | $202 | 19.8% |
| New Hampshire | $732 | -$288 | -28.2% |
| New Jersey | $1,138 | $118 | 11.6% |
| New Mexico | $904 | -$116 | -11.4% |
| New York | $1,074 | $54 | 5.3% |
| North Carolina | $588 | -$432 | -42.4% |
| North Dakota | $834 | -$186 | -18.2% |
| Ohio | $704 | -$316 | -31.0% |
| Oklahoma | $1,048 | $28 | 2.7% |
| Oregon | $932 | -$88 | -8.6% |
| Pennsylvania | $974 | -$46 | -4.5% |
| Rhode Island | $1,358 | $338 | 33.1% |
| South Carolina | $922 | -$98 | -9.6% |
| South Dakota | $860 | -$160 | -15.7% |
| Tennessee | $894 | -$126 | -12.4% |
| Texas | $1,228 | $208 | 20.4% |
| Utah | $754 | -$266 | -26.1% |
| Vermont | $698 | -$322 | -31.6% |
| Virginia | $610 | -$410 | -40.2% |
| Washington | $790 | -$230 | -22.5% |
| West Virginia | $932 | -$88 | -8.6% |
| Wisconsin | $706 | -$314 | -30.8% |
| Wyoming | $908 | -$112 | -11.0% |
Opting for high physical damage deductibles can reduce rates by up to $260 every year, while buying higher liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are probably paying at least $1,200 to $1,700 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 42% to 131% more than the average rate. View High Risk Driver Rates
Because rates have so much variability, the only way to figure out your exact price is to get quotes and see which company has the best rate. Every auto insurance company utilizes a different rate formula, so rate quotes will be varied from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Subaru Tribeca 3.6R Limited | $1,020 | $85 |
| Subaru Tribeca 3.6R Premium | $1,020 | $85 |
| Subaru Tribeca 3.6R Touring | $1,038 | $87 |
Rates assume 2009 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2009 Subaru Tribeca | $174 | $214 | $474 | $1,020 |
Rates are averaged for all Subaru Tribeca models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Cheapest Subaru Tribeca Insurance
Finding cheaper rates on car insurance consists of avoiding accidents and claims, having above-average credit, being claim-free, and qualifying for all possible discounts. Make time to compare rates every other policy renewal by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The points below are a recap of the ideas that were touched on in this article.
- Drivers under the age of 20 are the costliest to insure, possibly costing $341 each month if full coverage is included
- Higher risk drivers that have major violations or accidents may pay on average $1,170 more every year to insure a Subaru Tribeca
- Increasing comprehensive and collision deductibles can save around $250 each year
- It is possible to save up to $110 per year simply by quoting early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,086 |
| 20 | $2,320 |
| 30 | $1,036 |
| 40 | $1,020 |
| 50 | $934 |
| 60 | $914 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,186 |
| $250 | $1,110 |
| $500 | $1,020 |
| $1,000 | $930 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,020 |
| 50/100 | $1,133 |
| 100/300 | $1,251 |
| 250/500 | $1,559 |
| 100 CSL | $1,180 |
| 300 CSL | $1,441 |
| 500 CSL | $1,631 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,752 |
| 20 | $3,698 |
| 30 | $2,204 |
| 40 | $2,186 |
| 50 | $2,090 |
| 60 | $2,068 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $52 |
| Multi-vehicle | $55 |
| Homeowner | $18 |
| 5-yr Accident Free | $61 |
| 5-yr Claim Free | $64 |
| Paid in Full/EFT | $37 |
| Advance Quote | $44 |
| Online Quote | $69 |
| Total Discounts | $400 |
Discounts are estimated and may not be available from every company or in every state.
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