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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The average auto insurance rates for a Subaru Tribeca are $1,440 annually including full coverage. Comprehensive costs around $348, collision insurance costs $562, and liability insurance is $372. Liability-only insurance costs around $438 a year, and high-risk driver insurance costs around $3,096. Teens cost the most to insure at up to $5,236 a year.
Average premium for full coverage: $1,440
Policy rates for type of insurance:
Price estimates include $500 policy deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and for different Tribeca trim levels.
Price Range Variability
For an average driver, Subaru Tribeca insurance rates range from as cheap as $438 for minimum levels of liability insurance to a much higher rate of $3,096 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates the effect of geographic area on auto insurance rates.
The examples above highlight why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own personal driving habits, rather than relying on 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 breaks down average Subaru Tribeca insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $831
- Raising to $1,000 deductibles will save about $204 every year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,440
- Selecting more expensive low deductibles will cost $1,842
- Higher-risk drivers with serious driving violations could pay at least $3,096
- Policy cost with full coverage for a teen driver with full coverage can be $5,236
Auto insurance rates for a Subaru Tribeca also range considerably based on the model year and trim level, your driving characteristics, and deductibles and policy limits.
An older driver with a good driving record and high physical damage deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay as much as $5,200 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 least $1,700 to $2,300 in extra premium every year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 44% to 132% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $610 each year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $335 extra every year. View Rates by Deductible or Liability Limit
Your home state also has a big influence on Subaru Tribeca insurance rates. A middle-age driver might find rates as low as $1,110 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,060 on average in Michigan, New York, and Louisiana.
| 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% |
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
Finding cheaper rates on Subaru Tribeca insurance consists of avoiding accidents and claims, having above-average credit, paying for small claims out-of-pocket, and possibly raising deductibles. Take the time to compare rates every year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The points below are a condensed summary of the coverage data covered in the above illustrations.
- You may be able to save up to $170 per year just by shopping early and online
- Increasing comprehensive and collision deductibles could save up to $600 each year
- Drivers under the age of 20 are expensive to insure, with premiums being up to $436 each month if full coverage is included
- High-risk drivers with multiple at-fault accidents may pay on average $1,660 more every year to insure a Subaru Tribeca
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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