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 with full coverage. Comprehensive costs around $348 each year, collision costs $562, and liability is estimated at $372. A policy with just liability insurance costs approximately $438 a year, with coverage for high-risk drivers costing around $3,096. 16-year-old drivers receive the highest rates at $5,236 a year or more.
Average premium for full coverage: $1,440
Rate estimates for individual coverage type:
Price estimates include $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and Tribeca models.
Price Range by Coverage and Risk
For an average driver, prices range go from as cheap as $438 for just liability coverage to a high rate of $3,096 for high-risk insurance.
Price Range by Location
Living in a larger city can have significant affects on insurance rates. Areas with sparse population tend to have fewer collision claims than congested cities.
The graphic below illustrates the effect of geographic area on auto insurance rates.
These examples demonstrate why all drivers should get quotes for a specific zip code and their own personal driving habits, 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 details estimated Subaru Tribeca insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $831
- Choosing higher $1,000 deductibles can save about $204 annually
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,440
- Buying low deductibles for comp and collision coverage will cost $1,842
- Unlucky drivers with multiple tickets or accidents could pay at least $3,096 or more
- The cost with full coverage for a teen driver can be $5,236 each year
Insurance rates for a Subaru Tribeca can also vary considerably based on the trim level of your Tribeca, your driving record, and deductibles and policy limits.
More mature drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,300 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay as much as $5,200 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out at least $1,700 to $2,300 additional per year, depending on your age. Insurance for high-risk drivers ranges as much as 44% to 132% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $610 every year, whereas increasing liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $335 more each year. View Rates by Deductible or Liability Limit
Where you live plays a big part in determining prices for Subaru Tribeca insurance prices. A good driver about age 40 could pay as low as $1,040 a year in states like New Hampshire, Ohio, and Utah, or at least $1,950 on average in Florida, Michigan, and New York.
| 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 best way to find out your exact price is to do a rate comparison and see which company has the best rate. Each auto insurer utilizes a different rate formula, and 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 Cheaper Subaru Tribeca Insurance
Saving money on car insurance takes avoiding accidents and claims, having good credit, eliminating unnecessary coverage, and taking advantage of discounts. Take the time to compare rates every couple of years by requesting rates from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.
The points below are a condensed summary of the material that was covered in the above illustrations.
- Policyholders who may need increased liability limits will pay around $410 every year to raise limits from a minimum limit to higher 250/500 limits
- Drivers under the age of 20 are charged the highest rates, with premiums as much as $436 per month if they have full coverage
- Higher risk drivers with multiple at-fault accidents may pay on average $1,660 more every year to insure a Subaru Tribeca
- Increasing deductibles could save up to $600 each year
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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