Subaru Tribeca Insurance Rates

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UPDATED: Jun 4, 2023

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The average insurance prices for a Subaru Tribeca are $1,440 every 12 months including full coverage. Comprehensive insurance costs around $348 a year, collision insurance costs $562, and liability insurance is $372. Liability-only insurance costs around $438 a year, and high-risk driver insurance costs $3,096 or more. Teen drivers 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:

Comprehensive $348
Collision $562
Liability $372

Prices are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and Tribeca trim levels.

Price Range Variability

For the average driver, Subaru Tribeca insurance rates range from the cheapest price of $438 for minimum levels of liability insurance to a high of $3,096 for high-risk insurance.

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

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 more infrequent comprehensive and collision claims than larger metro areas. The diagram below illustrates how location impacts auto insurance rates.

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

The examples above highlight why it is important to compare rates quotes for a specific zip code and their own driving history, rather than relying on price averages.

Use the form below to get customized rates for your location.

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Additional Rate Details

The chart below breaks down average Subaru Tribeca insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $831
  • Raising to $1,000 deductibles will save about $1,236 every year
  • The average price for a good driver age 40 using $500 deductibles is $1,440
  • Choosing low $100 deductibles costs an extra $402 a year
  • Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,096
  • Policy cost to insure a teen driver can be $5,236

View Chart as Image

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

Auto insurance rates for a Subaru Tribeca also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level and model year.

Choosing high deductibles can reduce rates by up to $610 each year, while buying higher liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $335 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers 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 were responsible for an accident, you are likely paying at least $1,700 to $2,300 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 132% more than average. View High Risk Driver Rates

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 as much as $2,060 on average in Michigan, New York, and Louisiana.

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

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 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.

Subaru Tribeca Insurance Rates by Model Year
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 Shop for Affordable Subaru Tribeca Insurance

Finding cheaper rates on Subaru Tribeca insurance consists of having a decent driving record, having a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Spend time shopping around every couple of years by requesting rates from direct car insurance companies, and also from insurance agencies where you live.

The following items are a brief review of the material that was touched on above.

  • Drivers who may need additional liability coverage will pay about $410 per year to raise from a 30/60 limit to a 250/500 level
  • 16 to 18-year-old drivers are expensive to insure, with premiums being up to $436 each month if comprehensive and collision insurance is included
  • High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,660 more every year than a driver with a clean driving record
  • Increasing comprehensive and collision deductibles could save as much as $600 each year

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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