Subaru Tribeca Insurance Rates
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UPDATED: Jun 4, 2023
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The average insurance rates for a Subaru Tribeca are $1,020 a year with full coverage. Comprehensive costs on average $174 each year, collision insurance costs $214, and liability is estimated at $474. Liability-only insurance costs approximately $522 a year, and high-risk driver insurance costs around $2,186. Teen drivers cost the most to insure at up to $4,086 a year.
Average premium for full coverage: $1,020
Policy rates by type of insurance:
Full coverage includes $500 policy deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and Tribeca models.
Price Range Variability
For a 40-year-old driver, Subaru Tribeca insurance rates range from as low as $522 for just liability insurance to a high rate of $2,186 for high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on auto insurance rates. Rural areas are shown to have a lower frequency of collision claims than larger metro areas. The graphic below illustrates how your location can change car insurance rates.
The examples above demonstrate why all drivers should get quotes based on a specific location and risk profile, 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.
More Rate Details
The chart below details average Subaru Tribeca insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $620
- Choosing higher $1,000 deductibles can save around $90 annually
- The average rate for a good driver age 40 with $500 deductibles is $1,020
- Choosing low deductibles for comp and collision coverage will increase the cost to $1,186
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,186
- Policy cost for full coverage for a 16-year-old driver may cost $4,086 each year
Auto insurance rates for a Subaru Tribeca also range considerably based on your risk profile, the trim level and model year, and policy deductibles and limits.
More mature drivers with a good driving record and high deductibles may pay as low as $1,000 annually on average, or $83 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay upwards of $4,000 a year. View Rates by Age
Your home state plays a big part in determining prices for Subaru Tribeca insurance prices. A good driver about age 40 could pay as low as $730 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,380 on average in Florida, Michigan, and New York.
| 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% |
Choosing high deductibles can save as much as $260 annually, whereas increasing liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out at a minimum $1,200 to $1,700 in extra premium every year, depending on your age. Insurance for high-risk drivers ranges from 42% to 131% more than average. View High Risk Driver Rates
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 Find More Affordable Subaru Tribeca Insurance
Finding cheaper rates on insurance for a Subaru Tribeca takes avoiding accidents and claims, having good credit, not filing small claims, and deciding if full coverage is necessary. Invest the time to shop around every couple of years by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local insurance agents.
The points below are a summary of the material that was illustrated above.
- Insureds who require increased liability limits will pay about $520 every year to raise limits from a 30/60 limit to 250/500 limits
- Drivers under the age of 20 are charged the highest rates, as much as $341 each month if they have full coverage
- Drivers considered higher risk who have multiple accidents or major violations may be required to pay an average of $1,170 more each year to insure a Subaru Tribeca
- Increasing comprehensive and collision deductibles can save around $250 each year
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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