Subaru Tribeca Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Dec 10, 2021

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Average insurance rates for a Subaru Tribeca are $1,052 a year including full coverage. Comprehensive insurance costs an estimated $184 a year, collision insurance costs $236, and liability is $474. A policy with just liability insurance costs around $522 a year, and coverage for high-risk drivers costs $2,258 or more. 16-year-old drivers receive the highest rates at up to $4,186 a year.

Average premium for full coverage: $1,052

Rate estimates broken down by individual coverage type:

Comprehensive $184
Collision $236
Liability $474

Includes $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Tribeca trim levels.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range range from the low end price of $522 for just the minimum liability insurance to a high of $2,258 for a driver who requires high-risk insurance.

Liability Only $522
Full Coverage $1,052
High Risk $2,258

Price Range by Location

Choosing to live in a large city can make a big difference on the price of auto insurance. More rural locations tend to have lower incidents of comprehensive and collision claims than congested cities. The diagram below illustrates how rural and urban location affects insurance prices.

Rural Areas $789
Small Cities $1,105
Large Cities $1,420

These examples highlight why it is important to compare rates quotes for a targeted area, instead of making a decision based 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 Analysis

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

  • The best full coverage rate is $636
  • Raising to $1,000 deductibles will save approximately $956 every year
  • The estimated price for a 40-year-old driver who has $500 deductibles is $1,052
  • Buying low $100 deductibles will cost an additional $180 annually
  • Drivers with multiple tickets or accidents could pay up to $2,258
  • The cost that insures a 16-year-old driver can cost as much as $4,186

View Chart as Image

Subaru Tribeca insurance cost comparison chart
Column chart showing Subaru Tribeca insurance prices range from $636 to $4,186 for full coverage

Insurance rates for a Subaru Tribeca can also vary considerably based on the trim level of your Tribeca, your driving record and age, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you are likely paying $1,200 to $1,800 additional per year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 127% more than the average rate. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,000 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay at least $4,100 a year. View Rates by Age

Where you live also has a big influence on Subaru Tribeca insurance prices. A middle-age driver might find rates as low as $810 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,500 on average in Louisiana, New York, and Michigan.

Subaru Tribeca Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $950 -$102 -9.7%
Alaska $806 -$246 -23.4%
Arizona $872 -$180 -17.1%
Arkansas $1,052 -$0 0.0%
California $1,198 $146 13.9%
Colorado $1,004 -$48 -4.6%
Connecticut $1,082 $30 2.9%
Delaware $1,190 $138 13.1%
Florida $1,316 $264 25.1%
Georgia $970 -$82 -7.8%
Hawaii $756 -$296 -28.1%
Idaho $710 -$342 -32.5%
Illinois $784 -$268 -25.5%
Indiana $790 -$262 -24.9%
Iowa $710 -$342 -32.5%
Kansas $1,000 -$52 -4.9%
Kentucky $1,434 $382 36.3%
Louisiana $1,554 $502 47.7%
Maine $650 -$402 -38.2%
Maryland $866 -$186 -17.7%
Massachusetts $842 -$210 -20.0%
Michigan $1,828 $776 73.8%
Minnesota $880 -$172 -16.3%
Mississippi $1,258 $206 19.6%
Missouri $934 -$118 -11.2%
Montana $1,130 $78 7.4%
Nebraska $828 -$224 -21.3%
Nevada $1,260 $208 19.8%
New Hampshire $756 -$296 -28.1%
New Jersey $1,176 $124 11.8%
New Mexico $930 -$122 -11.6%
New York $1,108 $56 5.3%
North Carolina $606 -$446 -42.4%
North Dakota $860 -$192 -18.3%
Ohio $724 -$328 -31.2%
Oklahoma $1,080 $28 2.7%
Oregon $962 -$90 -8.6%
Pennsylvania $1,004 -$48 -4.6%
Rhode Island $1,402 $350 33.3%
South Carolina $952 -$100 -9.5%
South Dakota $888 -$164 -15.6%
Tennessee $920 -$132 -12.5%
Texas $1,268 $216 20.5%
Utah $778 -$274 -26.0%
Vermont $722 -$330 -31.4%
Virginia $630 -$422 -40.1%
Washington $814 -$238 -22.6%
West Virginia $962 -$90 -8.6%
Wisconsin $730 -$322 -30.6%
Wyoming $938 -$114 -10.8%

View Chart as Image

Subaru Tribeca insurance rates by U.S. city

Opting for high physical damage deductibles can reduce rates by up to $280 annually, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 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 $1,052 $88
Subaru Tribeca 3.6R Premium $1,052 $88
Subaru Tribeca 3.6R Touring $1,072 $89

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.

Subaru Tribeca Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2009 Subaru Tribeca $184 $236 $474 $1,052

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 Cheapest Subaru Tribeca Insurance

Saving money on insurance for a Subaru Tribeca consists of being a safe and courteous driver, having a good credit score, not filing small claims, and possibly raising deductibles. Comparison shop at every other renewal by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

Below is a recap of the concepts that were raised in the charts and tables above.

  • Drivers considered higher risk that have major violations or accidents could be charged and average of $1,210 more annually for auto insurance
  • Teenage drivers are expensive to insure, as much as $349 per month if comprehensive and collision insurance is included
  • You may be able to save approximately $120 per year just by quoting early and online
  • Increasing deductibles can save approximately $275 each year
  • You may be able to save approximately $120 per year just by quoting early and online

Rates by Driver Age

Subaru Tribeca Insurance Rates by Driver Age
Driver Age Premium
16 $4,186
20 $2,394
30 $1,072
40 $1,052
50 $964
60 $944

Full coverage, $500 deductibles

Rates by Deductible

Subaru Tribeca Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,232
$250 $1,150
$500 $1,052
$1,000 $956

Full coverage, driver age 40

Rates by Liability Limit

Subaru Tribeca Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,052
50/100 $1,167
100/300 $1,285
250/500 $1,593
100 CSL $1,214
300 CSL $1,475
500 CSL $1,665

Full coverage, driver age 40

Rates for High Risk Drivers

Subaru Tribeca Insurance Rates for High Risk Drivers
Age Premium
16 $5,902
20 $3,818
30 $2,278
40 $2,258
50 $2,158
60 $2,134

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 $140

Potential Rate Discounts

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

Discount Savings
Multi-policy $54
Multi-vehicle $56
Homeowner $18
5-yr Accident Free $65
5-yr Claim Free $66
Paid in Full/EFT $39
Advance Quote $46
Online Quote $72
Total Discounts $416
Rate after discounts $636

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

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