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 insurance rates for a Subaru Tribeca are $1,440 a year for full coverage. Comprehensive insurance costs an estimated $348 a year, collision costs $562, and liability costs $372. A policy with just liability insurance costs as little as $438 a year, with coverage for high-risk drivers costing $3,096 or more. 16-year-old drivers receive the highest rates at $5,236 a year or more.
Average premium for full coverage: $1,440
Rate estimates broken down by individual coverage type:
Prices include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all states and Tribeca trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from as low as $438 for just liability coverage to a high of $3,096 for a driver who has had serious violations or accidents.
Price Range by Location
Your location can have significant affects on insurance rates. More rural locations tend to have a lower frequency of accident claims than congested cities.
The diagram below illustrates the difference location can make on insurance prices.
These examples show why it is important to compare rates for a targeted area 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.
Detailed Rate Analysis
The chart below shows estimated Subaru Tribeca insurance rates for other coverage scenarios.
- The best full coverage rate is $831
- Drivers who choose higher $1,000 deductibles will pay approximately $1,236 a year
- The average rate for a 40-year-old driver who has $500 deductibles is $1,440
- Buying low $100 deductibles for comprehensive and collision insurance will cost an extra $402 every year
- Higher-risk drivers with multiple tickets or accidents could pay up to $3,096 or more
- The cost for full coverage for a teen driver can cost as much as $5,236 a year
Insurance rates for a Subaru Tribeca can also vary considerably based on your driver profile, the trim level of your Tribeca, and liability limits and deductibles.
Older drivers with no violations or accidents and high deductibles may pay as little as $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay at least $5,200 a year. View Rates by Age
Where you live makes a big difference in Subaru Tribeca insurance prices. A 40-year-old driver could pay as low as $950 a year in states like Iowa, Maine, and Idaho, or at least $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% |
Opting for high physical damage deductibles could save up to $610 every year, while buying higher liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost as much as $335 more each year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying $1,700 to $2,300 additional per year, depending on your age. A high-risk auto insurance policy can cost as much as 44% to 132% more than the average rate. View High Risk Driver Rates
With so much variability in rates, the only way to know which company is cheapest is to get quotes and see which company has the best rate. Every company utilizes a different rate formula, and rates can be significantly different 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 | $1,440 | $120 |
| Subaru Tribeca 3.6R Premium | $1,440 | $120 |
| Subaru Tribeca 3.6R Touring | $1,486 | $124 |
Rates assume 2025 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 | $168 | $192 | $468 | $986 |
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 Right Subaru Tribeca Insurance
Saving money on car insurance not only requires having a decent driving record, but also having a good credit history, eliminating unneeded coverage, and maximizing policy discounts. Make time to compare rates every other policy renewal by requesting rates from direct carriers like GEICO and Progressive, and also from local independent and exclusive agents.
The following items are a quick rundown of the ideas that were touched on in this article.
- 16 to 18-year-old drivers are expensive to insure, costing as high as $436 per month including comprehensive and collision insurance
- Higher risk drivers with reckless driving or DUI convictions pay an average of $1,660 more annually than a driver with a clean driving record
- Increasing deductibles can save around $600 each year
- Drivers can save approximately $170 per year simply by quoting early and online
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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