Subaru Tribeca Insurance Rates

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UPDATED: Jun 4, 2023

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U.S. average insurance rates for a Subaru Tribeca are $1,440 a year for full coverage. Comprehensive costs an estimated $348 a year, collision costs $562, and liability coverage costs around $372. A policy with just liability insurance costs as low as $438 a year, with coverage for high-risk drivers costing around $3,096. 16-year-old drivers pay the highest rates at $5,236 a year or more.

Average premium for full coverage: $1,440

Price estimates broken down by individual coverage:

Comprehensive $348
Collision $562
Liability $372

Prices include $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and Tribeca trim levels.

Price Range from Low to High

For an average driver, Subaru Tribeca insurance prices go from the low end price of $438 for just the minimum liability insurance to a high of $3,096 for a high-risk insurance policy.

Liability Only $438
Full Coverage $1,440
High Risk $3,096

Geographic Price Range

Where you live has a large influence on insurance rates. More rural locations have lower incidents of accident claims than congested cities.

The diagram below illustrates the effect of geographic area on insurance prices.

Rural Areas $1,080
Small Cities $1,512
Large Cities $1,944

The ranges above show why it is important to compare prices for a targeted area, rather than 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.

Additional Rate Analysis

The chart below shows estimated Subaru Tribeca insurance rates for other coverage scenarios.

  • The best full coverage rate is $831
  • Using higher $1,000 deductibles will save approximately $1,236 a year
  • The estimated price for the average middle-age driver who has $500 deductibles is $1,440
  • Buying low $100 deductibles for physical damage coverage bumps up the cost to $1,842
  • Higher-risk drivers with multiple tickets or accidents could pay up to $3,096 or more
  • The price that insures a teenage driver can cost as much as $5,236 or more

View Chart as Image

Subaru Tribeca insurance cost comparison chart
Column chart showing full coverage Subaru Tribeca insurance rates range from $831 to $5,236

Insurance prices for a Subaru Tribeca are also quite variable based on the trim level of your Tribeca, how you drive, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you could be paying $1,700 to $2,300 extra each year, depending on your age. A high-risk auto insurance policy can be around 44% to 132% more than the average rate. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,300 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay at least $5,200 a year. View Rates by Age

The state you live in has a huge impact on Subaru Tribeca insurance rates. A driver around age 40 might see prices as low as $950 a year in states like Iowa, Maine, and Idaho, or at least $2,060 on average in New York, Louisiana, and Michigan.

Subaru Tribeca Insurance Rates by State
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%

View Chart as Image

Subaru Tribeca insurance rates by U.S. city

Opting for high physical damage deductibles could cut prices by as much as $610 a year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $335 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know which car insurance is cheapest is to get quotes and see how they stack up. Each insurance company utilizes a different rate formula, so the prices may be quite different.

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 $1,440 $120
Subaru Tribeca 3.6R Premium $1,440 $120
Subaru Tribeca 3.6R Touring $1,486 $124

Rates assume 2025 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
2009 Subaru Tribeca $168 $192 $468 $986

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 the Right Subaru Tribeca Insurance

Getting lower rates on auto insurance requires avoiding accidents and claims, having above-average credit, eliminating unnecessary coverage, and taking advantage of discounts. Comparison shop at least every other year by quoting rates from direct carriers, and also from your local independent and exclusive agents.

The points below are a quick rundown of the car insurance concepts covered in the above illustrations.

  • Drivers with reckless driving or DUI convictions may pay on average $1,660 more annually to insure a Subaru Tribeca
  • Drivers can save approximately $170 per year simply by quoting early and online
  • Increasing physical damage deductibles can save approximately $600 each year
  • Consumers who want increased liability limits will pay around $410 each year to increase from a low limit to the 250/500 level

Rates by Driver Age

Subaru Tribeca Insurance 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

Subaru Tribeca Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,842
$250 $1,658
$500 $1,440
$1,000 $1,236

Full coverage, driver age 40

Rates by Liability Limit

Subaru Tribeca Insurance Rates with Different Liability Limits
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

Subaru Tribeca Insurance 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.

SR-22 Surcharge $195

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
Rate after discounts $831

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

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