Subaru Tribeca Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 4, 2023

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The average auto insurance rates for a Subaru Tribeca are $1,020 annually including full coverage. Comprehensive costs on average $174, collision costs $214, and liability insurance is estimated at $474. A liability-only policy costs approximately $522 a year, with high-risk insurance costing around $2,186. Teen drivers cost the most to insure at $4,086 a year or more.

Average premium for full coverage: $1,020

Policy rates by type of insurance:

Comprehensive $174
Collision $214
Liability $474

Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and for all Tribeca models.

Price Range Variability

Using a 40-year-old driver as an example, Subaru Tribeca insurance rates go from as cheap as $522 for a discount liability-only rate to the much higher price of $2,186 for a driver that may need high-risk insurance.

Liability Only $522
Full Coverage $1,020
High Risk $2,186

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than larger metro areas.

The example below illustrates how rural and urban location affects car insurance rates.

Rural Areas $765
Small Cities $1,071
Large Cities $1,377

The examples above highlight why everyone should get quotes based on a specific location and their own personal driving habits, 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.

Rates by State, City, and Model

The chart below breaks down estimated Subaru Tribeca insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $620
  • Choosing higher $1,000 deductibles can save around $90 every year
  • The estimated rate for a good driver age 40 with $500 deductibles is $1,020
  • Choosing pricier low deductibles for comp and collision coverage will cost $1,186
  • High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,186 or more
  • Policy cost with full coverage for a teen driver for full coverage may cost $4,086 each year

View Chart as Image

Subaru Tribeca insurance cost comparison chart
Column chart showing full coverage Subaru Tribeca insurance rates range from $620 to $4,086

Car insurance rates for a Subaru Tribeca also range considerably based on the model year and trim level, your driving characteristics, and policy deductibles and limits.

A more mature driver with no driving violations and high physical damage deductibles could pay as little as $1,000 annually on average, or $83 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged upwards of $4,000 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying at a minimum $1,200 to $1,700 extra every year, depending on your age. Subaru Tribeca insurance for high-risk drivers ranges anywhere from 42% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $260 each year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Subaru Tribeca insurance rates. A good driver about age 40 could pay as low as $780 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,450 on average in Michigan, New York, and Louisiana.

Subaru Tribeca Insurance Rates by State
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%

View Chart as Image

Subaru Tribeca insurance rates by U.S. city

Because rates have so much variability, the best way to figure out exactly what you will pay is to regularly compare rates from as many companies as possible. Each auto insurer uses a different rate calculation, so rate quotes will be varied between companies.

Insurance Rates by Trim Level and Model Year

Subaru Tribeca Insurance Rates by Model and Trim Level
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.

Subaru Tribeca Insurance Rates by Model Year
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 Buy More Affordable Subaru Tribeca Insurance

Finding cheaper rates on Subaru Tribeca insurance takes being a good driver, having a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Set aside time to shop around once a year by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following list is a summary of the data that was raised in the charts and tables above.

  • You may be able to save as much as $110 per year simply by quoting online well ahead of the renewal date
  • Drivers who require an increased level of liability coverage will pay about $520 per year to raise limits from a 30/60 limit to higher 250/500 limits
  • Drivers age 16 to 20 are expensive to insure, with premiums being up to $341 each month if comprehensive and collision insurance is included
  • High-risk drivers who have multiple accidents or major violations pay on average $1,170 more each year than a safer driver

Rates by Driver Age

Subaru Tribeca Insurance 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

Subaru Tribeca Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,186
$250 $1,110
$500 $1,020
$1,000 $930

Full coverage, driver age 40

Rates by Liability Limit

Subaru Tribeca Insurance Rates with Different Liability Limits
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

Subaru Tribeca Insurance 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.

SR-22 Surcharge $135

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
Rate after discounts $620

Discounts are estimated and may not be available from every company or in every state.

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