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 insurance. Comprehensive costs approximately $348 a year, collision costs $562, and liability coverage costs around $372. A liability-only policy costs as low as $438 a year, with high-risk insurance costing around $3,096. Teens receive the highest rates at $5,236 a year or more.
Average premium for full coverage: $1,440
Rate estimates by individual coverage type:
Prices include $500 deductible amounts, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and Tribeca trim levels.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from as cheap as $438 for minimum levels of liability insurance to a high of $3,096 for a high-risk insurance policy.
Price Range by Location
Where you live has a large influence on the price of auto insurance. Rural locations tend to have fewer physical damage claims than cities with more traffic congestion.
The diagram below illustrates how your location can change auto insurance prices.
These examples illustrate why it is important to compare prices using their specific location and their own personal driving habits, rather than using averaged prices.
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 Details
The chart below illustrates estimated Subaru Tribeca insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $831
- Using higher $1,000 deductibles will save $1,236 each year
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,440
- Selecting low $100 deductibles for physical damage coverage will cost $1,842
- Higher-risk drivers with serious driving violations could pay around $3,096 or more
- The cost with full coverage for a teenage driver can cost $5,236 or more
Insurance rates for a Subaru Tribeca can also vary considerably based on the trim level of your Tribeca, your risk profile, and physical damage deductibles and liability limits.
Older drivers with a clean driving record and high physical damage deductibles may only pay around $1,300 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect 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 are probably paying anywhere from $1,700 to $2,300 extra per year, depending on your age. A high-risk auto insurance policy can be around 44% to 132% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $610 a year, while buying higher liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $335 more per year. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Subaru Tribeca insurance rates. A driver around age 40 might see rates as low as $940 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,950 on average in Florida, New York, 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 figure out who has the best car insurance rates is to get quotes and see how they stack up. Each insurance company calculates rates differently, so the 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 the Right Subaru Tribeca Insurance
Saving money on auto insurance requires having a good driving record, having a good credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to shop around at least every other year by requesting rates from direct insurance companies like Progressive and GEICO, and also from insurance agencies where you live.
The next list is a quick rundown of the car insurance concepts illustrated above.
- Drivers with reckless driving or DUI convictions could be forced to pay on average $1,660 more per year to buy Subaru Tribeca insurance
- It is possible to save around $170 per year simply by quoting early and online
- Increasing deductibles could save up to $600 each year
- Consumers who purchase increased levels of liability coverage will pay approximately $410 annually to increase 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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