Subaru Tribeca Insurance Rates
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UPDATED: Jun 4, 2023
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U.S. average insurance prices for a Subaru Tribeca are $1,020 every 12 months for full coverage insurance. Comprehensive insurance costs on average $174, collision insurance costs $214, and liability insurance is $474. Buying just liability costs around $522 a year, and insurance for high-risk drivers costs $2,186 or more. Teen drivers pay the highest rates at up to $4,086 a year.
Average premium for full coverage: $1,020
Price estimates by individual coverage:
Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and for all Tribeca models.
Price Range from Low to High
For the normal driver, Subaru Tribeca insurance prices range from the cheapest price of $522 for just liability coverage to the much higher price of $2,186 for a policy for a high-risk driver.
Geographic Price Range
Choosing to live in a large city has a significant impact on insurance rates. Rural areas have more infrequent physical damage claims than larger metro areas. The example below illustrates how geographic area affects car insurance rates.
The ranges above illustrate why everyone should compare rates quotes based on a specific location and their own driving history, rather than relying on price 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.
Detailed Rate Analysis
The chart below illustrates average Subaru Tribeca insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $620
- Raising to $1,000 deductibles will save around $90 each year
- The average price for the average middle-age driver with $500 deductibles is $1,020
- Choosing pricier low deductibles costs an extra $166 a year
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,186
- The price to insure a teen driver for full coverage may cost $4,086
Insurance prices for a Subaru Tribeca are also quite variable based on deductibles and policy limits, your risk profile, and the trim level of your Tribeca.
Choosing high deductibles can reduce prices by up to $260 each year, whereas buying more liability protection will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit
A more mature driver with no violations or accidents and higher deductibles could pay as little as $1,000 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay upwards of $4,000 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying at a minimum $1,200 to $1,700 additional each year, depending on your age. Subaru Tribeca insurance for high-risk drivers is expensive and can cost anywhere from 42% to 131% more than average. View High Risk Driver Rates
The state you live in also has a big influence on Subaru Tribeca insurance rates. A middle-age driver might find prices as low as $670 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $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% |
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 Shop for More Affordable Subaru Tribeca Insurance
Getting lower rates on Subaru Tribeca insurance consists of avoiding accidents and violations, having above-average credit, not filing small claims, and dropping full coverage on older vehicles. Invest the time to compare rates every year by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The list below is a summary of the coverage data presented in the illustrations above.
- It is possible to save as much as $110 per year just by quoting online well ahead of the renewal date
- Increasing physical damage deductibles could save as much as $250 each year
- Teenagers pay higher prices, as much as $341 a month if full coverage is included
- High-risk drivers who have multiple accidents or major violations pay on average $1,170 more each year for car insurance
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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