Subaru Tribeca Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 4, 2023
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Average auto insurance rates for a Subaru Tribeca are $1,440 annually for full coverage. Comprehensive insurance costs approximately $348 a year, collision costs $562, and liability coverage is estimated at $372. Buying just liability costs approximately $438 a year, with insurance for high-risk drivers costing $3,096 or more. Teenage drivers receive the highest rates at $5,236 a year or more.
Average premium for full coverage: $1,440
Rate estimates by individual coverage type:
Estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and Tribeca trim levels.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from as cheap as $438 for your basic liability-only policy to a high of $3,096 for a high-risk insurance policy.
Price Range by Location
Living in a larger city has a large influence on car insurance rates. Rural locations tend to have fewer accident claims than densely populated cities.
The diagram below illustrates how where you live affects auto insurance prices.
These examples show why it is important to get quotes using their specific location and their own personal driving habits, rather than using average rates.
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.
More Rate Information
The chart below shows estimated Subaru Tribeca insurance rates for additional coverage and risk scenarios.
- The best discount rate is $831
- Choosing higher $1,000 deductibles can save $1,236 a year
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,440
- Using low $100 deductibles for comp and collision coverage costs an additional $402 each year
- Drivers who are prone to accidents and violations could pay around $3,096 or more
- The cost with full coverage for a teenage driver can cost $5,236 each year
Auto insurance rates for a Subaru Tribeca can also vary considerably based on the trim level of your Tribeca, your driver profile, and physical damage deductibles and liability limits.
Older drivers with a good driving record and high physical damage deductibles may only pay around $1,300 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay in the ballpark of $5,200 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying anywhere from $1,700 to $2,300 in extra premium per year, depending on your age. A high-risk auto insurance policy ranges around 44% to 132% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can save as much as $610 a year, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $335 extra every year. View Rates by Deductible or Liability Limit
Where you live plays a big part in determining prices for Subaru Tribeca insurance rates. A good driver about age 40 could pay as low as $950 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,060 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,304 | -$136 | -9.4% |
| Alaska | $1,108 | -$332 | -23.1% |
| Arizona | $1,198 | -$242 | -16.8% |
| Arkansas | $1,440 | -$0 | 0.0% |
| California | $1,644 | $204 | 14.2% |
| Colorado | $1,380 | -$60 | -4.2% |
| Connecticut | $1,482 | $42 | 2.9% |
| Delaware | $1,632 | $192 | 13.3% |
| Florida | $1,806 | $366 | 25.4% |
| Georgia | $1,332 | -$108 | -7.5% |
| Hawaii | $1,036 | -$404 | -28.1% |
| Idaho | $976 | -$464 | -32.2% |
| Illinois | $1,076 | -$364 | -25.3% |
| Indiana | $1,086 | -$354 | -24.6% |
| Iowa | $974 | -$466 | -32.4% |
| Kansas | $1,372 | -$68 | -4.7% |
| Kentucky | $1,968 | $528 | 36.7% |
| Louisiana | $2,136 | $696 | 48.3% |
| Maine | $892 | -$548 | -38.1% |
| Maryland | $1,190 | -$250 | -17.4% |
| Massachusetts | $1,154 | -$286 | -19.9% |
| Michigan | $2,506 | $1,066 | 74.0% |
| Minnesota | $1,208 | -$232 | -16.1% |
| Mississippi | $1,728 | $288 | 20.0% |
| Missouri | $1,280 | -$160 | -11.1% |
| Montana | $1,550 | $110 | 7.6% |
| Nebraska | $1,138 | -$302 | -21.0% |
| Nevada | $1,728 | $288 | 20.0% |
| New Hampshire | $1,040 | -$400 | -27.8% |
| New Jersey | $1,612 | $172 | 11.9% |
| New Mexico | $1,278 | -$162 | -11.3% |
| New York | $1,520 | $80 | 5.6% |
| North Carolina | $830 | -$610 | -42.4% |
| North Dakota | $1,180 | -$260 | -18.1% |
| Ohio | $994 | -$446 | -31.0% |
| Oklahoma | $1,482 | $42 | 2.9% |
| Oregon | $1,322 | -$118 | -8.2% |
| Pennsylvania | $1,376 | -$64 | -4.4% |
| Rhode Island | $1,924 | $484 | 33.6% |
| South Carolina | $1,308 | -$132 | -9.2% |
| South Dakota | $1,216 | -$224 | -15.6% |
| Tennessee | $1,264 | -$176 | -12.2% |
| Texas | $1,738 | $298 | 20.7% |
| Utah | $1,068 | -$372 | -25.8% |
| Vermont | $986 | -$454 | -31.5% |
| Virginia | $866 | -$574 | -39.9% |
| Washington | $1,116 | -$324 | -22.5% |
| West Virginia | $1,322 | -$118 | -8.2% |
| Wisconsin | $1,000 | -$440 | -30.6% |
| Wyoming | $1,286 | -$154 | -10.7% |
With so much variability in rates, the only way to know who has the cheapest car insurance rates is to get quotes and see how they stack up. Each auto insurer uses a different method to calculate rates, and quoted rates can be significantly different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Subaru Tribeca 3.6R Limited | $1,440 | $120 |
| Subaru Tribeca 3.6R Premium | $1,440 | $120 |
| Subaru Tribeca 3.6R Touring | $1,486 | $124 |
Rates assume 2026 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 | $166 | $188 | $460 | $972 |
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 Buy Low Cost Subaru Tribeca Insurance
Saving money on auto insurance takes being a safe and courteous driver, having above-average credit, eliminating unneeded coverage, and not having any coverage lapses. Take the time to comparison shop at least every other year by obtaining price quotes from direct carriers like Progressive and GEICO, and also from several local insurance agents.
Below is a review of the car insurance concepts touched on in the above illustrations.
- Drivers who have several accidents or serious violations pay on average $1,660 more per year for auto insurance
- Drivers can save around $170 per year simply by quoting early and online
- Increasing deductibles could save up to $600 each year
- Consumers who purchase higher levels of liability will pay an extra $410 each year to raise limits from a minimum limit to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,236 |
| 20 | $3,292 |
| 30 | $1,512 |
| 40 | $1,440 |
| 50 | $1,316 |
| 60 | $1,288 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,842 |
| $250 | $1,658 |
| $500 | $1,440 |
| $1,000 | $1,236 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,440 |
| 50/100 | $1,560 |
| 100/300 | $1,653 |
| 250/500 | $1,895 |
| 100 CSL | $1,598 |
| 300 CSL | $1,802 |
| 500 CSL | $1,951 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,478 |
| 20 | $5,226 |
| 30 | $3,170 |
| 40 | $3,096 |
| 50 | $2,950 |
| 60 | $2,920 |
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 | $77 |
| Multi-vehicle | $73 |
| Homeowner | $20 |
| 5-yr Accident Free | $106 |
| 5-yr Claim Free | $92 |
| Paid in Full/EFT | $67 |
| Advance Quote | $71 |
| Online Quote | $103 |
| Total Discounts | $609 |
Discounts are estimated and may not be available from every company or in every state.
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