Subaru Tribeca Insurance Rates
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UPDATED: Jun 4, 2023
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Estimated insurance prices for a Subaru Tribeca are $1,020 every 12 months for full coverage insurance. Comprehensive costs approximately $174, collision insurance costs $214, and liability insurance costs $474. Liability-only coverage costs as little as $522 a year, and high-risk coverage costs around $2,186. 16-year-old drivers pay the most at up to $4,086 a year.
Average premium for full coverage: $1,020
Premium estimates by type of coverage:
Prices include $500 deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and for all Tribeca models.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Subaru Tribeca range from the cheapest price of $522 for the bare minimum liability coverage to the much higher price of $2,186 for a high-risk insurance policy.
Insurance Price Range by Location
Your location has a significant impact on the price of auto insurance. Rural locations are statistically proven to have more infrequent physical damage claims than congested cities. The example below illustrates the effect of geographic area on auto insurance prices.
These rate differences illustrate why everyone should compare rates using their specific location and their own driving history, rather than relying on 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.
Additional Rate Information
The chart below illustrates average Subaru Tribeca insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $620
- Drivers who choose higher $1,000 deductibles will pay $90 each year
- The average price for a 40-year-old good driver who chooses $500 deductibles is $1,020
- Buying pricier low deductibles for comprehensive and collision insurance increases the price to $1,186
- High risk drivers with multiple tickets or accidents could pay around $2,186
- An auto insurance policy to insure a teen driver for full coverage can cost $4,086 a year
Insurance prices for a Subaru Tribeca also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model of your Tribeca.
Opting for high physical damage deductibles could save up to $260 each year, whereas buying more liability protection will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $426 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles could pay as little as $1,000 per year on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers can expect to pay in the ballpark of $4,000 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying anywhere from $1,200 to $1,700 extra annually, depending on your age. Subaru Tribeca insurance for high-risk drivers can cost anywhere from 42% to 131% more than the average rate. View High Risk Driver Rates
Where you choose to live makes a big difference in Subaru Tribeca insurance rates. A 40-year-old driver could pay as low as $670 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,380 on average in Florida, New York, and Michigan.
| 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% |
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Shop for the Right Subaru Tribeca Insurance
Finding better rates on Subaru Tribeca insurance not only requires not taking risks behind the wheel, but also having good credit, paying for small claims out-of-pocket, and possibly raising deductibles. Take the time to compare rates at least every other year by requesting quotes from direct insurance companies, and also from local insurance agencies.
The following is a quick rundown of the car insurance concepts covered in the above illustrations.
- High-risk drivers with reckless driving or DUI convictions may have to pay on average $1,170 more per year for Tribeca insurance
- It is possible to save around $110 per year just by quoting online well ahead of the renewal date
- Increasing policy deductibles could save as much as $250 each year
- Drivers who purchase higher liability limits will pay around $520 annually to go from 30/60 bodily injury limits to a 250/500 level
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,186 |
| $250 | $1,110 |
| $500 | $1,020 |
| $1,000 | $930 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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