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 costs around $348 a year, collision insurance costs $562, and liability costs $372. Liability-only insurance costs as little as $438 a year, and high-risk driver insurance costs around $3,096. 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:
Price estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Tribeca trim levels.
Price Range Variability
For an average driver, Subaru Tribeca insurance rates range from the cheapest price of $438 for liability-only coverage to a high of $3,096 for a high-risk insurance policy.
Urban vs. Rural Price Range
Your location can have significant affects 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 the effect of geographic area on auto insurance rates.
The examples above highlight why it is important to compare rates for a specific zip code and their own driving history, instead of using 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 Charts and Tables
The chart below breaks down average Subaru Tribeca insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $831
- Drivers who choose higher $1,000 deductibles will pay about $1,236 every year
- The average price for a good driver age 40 using $500 deductibles is $1,440
- Choosing low $100 deductibles for comprehensive and collision insurance increases the price to $1,842
- 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 a year
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 could save up to $610 every 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 may pay as little as $1,300 per year 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 can cost as much as 44% to 132% more than average. View High Risk Driver Rates
Your home state makes a big difference in Subaru Tribeca insurance prices. A 40-year-old driver could pay 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.
| 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% |
Insurance Rates by Trim Level and Model Year
| 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 2024 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 Shop for Cheaper Subaru Tribeca Insurance
Finding cheaper rates on car insurance not only requires avoiding accidents and claims, but also having a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Take the time to compare rates at least every other year by requesting rates from direct car insurance companies, and also from insurance agencies where you live.
The points below are a condensed summary of the car insurance concepts covered in the above illustrations.
- Higher risk drivers with multiple at-fault accidents could be forced to pay on average $1,660 more every year to insure a Subaru Tribeca
- You may be able to save up to $170 per year just by quoting early and online
- Increasing comprehensive and collision deductibles could save as much as $600 each year
- Policyholders who may need increased liability limits will pay about $410 per year to go from a 30/60 limit to a 250/500 level
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,842 |
| $250 | $1,658 |
| $500 | $1,440 |
| $1,000 | $1,236 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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