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Subaru Tribeca Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Jun 13, 2015

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The average insurance rates for a Subaru Tribeca are $1,298 a year for full coverage insurance. Comprehensive insurance costs an estimated $260, collision insurance costs $424, and liability costs around $456. Liability-only coverage costs as low as $508 a year, and high-risk coverage costs $2,800 or more. Teen drivers cost the most to insure at up to $4,950 a year.

Average premium for full coverage: $1,298

Policy rates broken down by type of insurance:

Comprehensive $260
Collision $424
Liability $456

These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and for different Tribeca trim levels.

Price Range Variability

For the normal driver, Subaru Tribeca insurance rates range from the low end price of $508 for just the minimum liability insurance to a much higher rate of $2,800 for a driver who requires high-risk insurance.

Liability Only $508
Full Coverage $1,298
High Risk $2,800

Urban vs. Rural Price Range

Where you live can make a big difference on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than larger metro areas. The price range example below illustrates how geographic area affects insurance prices.

Rural Areas $974
Small Cities $1,363
Large Cities $1,752

The examples above illustrate why anyone shopping for car insurance should compare prices for a targeted area, instead of making a decision based 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.

Additional Rate Analysis

The chart below illustrates average Subaru Tribeca insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $759
  • Using higher $1,000 deductibles will save approximately $156 each year
  • The estimated price for a good driver age 40 who has $500 deductibles is $1,298
  • Choosing more expensive low deductibles for physical damage coverage will cost an additional $298 annually
  • High-risk insureds with multiple violations and an at-fault accident could pay up to $2,800
  • Policy cost that insures a 16-year-old driver with full coverage can cost as much as $4,950 or more

View Chart as Image

Subaru Tribeca insurance cost comparison chart
Column chart showing Subaru Tribeca insurance prices range from $759 to $4,950 for full coverage

Insurance rates for a Subaru Tribeca also range considerably based on the model year and trim level, your age and driving record, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are probably paying $1,500 to $2,100 additional every year, depending on your age. High-risk driver insurance can be from 42% to 129% more than average. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay at least $4,900 a year. View Rates by Age

Your home state has a huge impact on Subaru Tribeca insurance prices. A driver around age 40 might see rates as low as $850 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,750 on average in Florida, New York, and Michigan.

Subaru Tribeca Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,172 -$126 -9.7%
Alaska $996 -$302 -23.3%
Arizona $1,078 -$220 -16.9%
Arkansas $1,298 -$0 0.0%
California $1,478 $180 13.9%
Colorado $1,240 -$58 -4.5%
Connecticut $1,332 $34 2.6%
Delaware $1,468 $170 13.1%
Florida $1,622 $324 25.0%
Georgia $1,196 -$102 -7.9%
Hawaii $932 -$366 -28.2%
Idaho $876 -$422 -32.5%
Illinois $968 -$330 -25.4%
Indiana $978 -$320 -24.7%
Iowa $876 -$422 -32.5%
Kansas $1,232 -$66 -5.1%
Kentucky $1,770 $472 36.4%
Louisiana $1,918 $620 47.8%
Maine $802 -$496 -38.2%
Maryland $1,070 -$228 -17.6%
Massachusetts $1,038 -$260 -20.0%
Michigan $2,256 $958 73.8%
Minnesota $1,086 -$212 -16.3%
Mississippi $1,554 $256 19.7%
Missouri $1,150 -$148 -11.4%
Montana $1,394 $96 7.4%
Nebraska $1,022 -$276 -21.3%
Nevada $1,556 $258 19.9%
New Hampshire $936 -$362 -27.9%
New Jersey $1,448 $150 11.6%
New Mexico $1,148 -$150 -11.6%
New York $1,368 $70 5.4%
North Carolina $748 -$550 -42.4%
North Dakota $1,060 -$238 -18.3%
Ohio $896 -$402 -31.0%
Oklahoma $1,332 $34 2.6%
Oregon $1,188 -$110 -8.5%
Pennsylvania $1,238 -$60 -4.6%
Rhode Island $1,730 $432 33.3%
South Carolina $1,176 -$122 -9.4%
South Dakota $1,096 -$202 -15.6%
Tennessee $1,136 -$162 -12.5%
Texas $1,562 $264 20.3%
Utah $962 -$336 -25.9%
Vermont $890 -$408 -31.4%
Virginia $778 -$520 -40.1%
Washington $1,002 -$296 -22.8%
West Virginia $1,188 -$110 -8.5%
Wisconsin $898 -$400 -30.8%
Wyoming $1,156 -$142 -10.9%

View Chart as Image

Subaru Tribeca insurance rates by U.S. city

Choosing high deductibles could cut rates by as much as $460 annually, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $411 more each year. View Rates by Deductible or Liability Limit

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 $1,298 $108
Subaru Tribeca 3.6R Premium $1,298 $108
Subaru Tribeca 3.6R Touring $1,330 $111

Rates assume 2014 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
2014 Subaru Tribeca $260 $424 $456 $1,298
2013 Subaru Tribeca $248 $380 $460 $1,246
2012 Subaru Tribeca $232 $350 $460 $1,200
2011 Subaru Tribeca $224 $328 $464 $1,174
2010 Subaru Tribeca $220 $306 $474 $1,158
2009 Subaru Tribeca $202 $284 $474 $1,118
2008 Subaru Tribeca $198 $258 $478 $1,092

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 Find Cheap Subaru Tribeca Insurance

Finding cheaper rates on insurance for a Subaru Tribeca requires being a good driver, having a good credit score, being claim-free, and possibly raising deductibles. Shop around at every other renewal by obtaining price quotes from direct insurance companies, and also from local insurance agencies.

The following list is a brief summary of the concepts that were presented in the illustrations above.

  • Drivers considered higher risk that tend to have accidents or serious violations may have to pay on average $1,500 more annually than a safer driver
  • Drivers age 16 to 20 are expensive to insure, possibly costing $413 each month if comprehensive and collision insurance is included
  • It is possible to save approximately $150 per year just by shopping early and online
  • Increasing comprehensive and collision deductibles can save approximately $450 each year
  • It is possible to save approximately $150 per year just by shopping early and online

Rates by Driver Age

Subaru Tribeca Insurance Rates by Driver Age
Driver Age Premium
16 $4,950
20 $2,980
30 $1,342
40 $1,298
50 $1,186
60 $1,164

Full coverage, $500 deductibles

Rates by Deductible

Subaru Tribeca Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,596
$250 $1,458
$500 $1,298
$1,000 $1,142

Full coverage, driver age 40

Rates by Liability Limit

Subaru Tribeca Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,298
50/100 $1,421
100/300 $1,535
250/500 $1,832
100 CSL $1,467
300 CSL $1,718
500 CSL $1,900

Full coverage, driver age 40

Rates for High Risk Drivers

Subaru Tribeca Insurance Rates for High Risk Drivers
Age Premium
16 $7,036
20 $4,746
30 $2,848
40 $2,800
50 $2,676
60 $2,652

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 $179

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $68
Multi-vehicle $69
Homeowner $21
5-yr Accident Free $90
5-yr Claim Free $83
Paid in Full/EFT $55
Advance Quote $62
Online Quote $91
Total Discounts $539
Rate after discounts $759

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

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