Is a Suburban expensive to insure?

Chevrolet Suburban car insurance costs are higher than those of many other vehicles due to several factors, including its size and weight. It’s one of the largest SUVs you can buy. As a result, it can do more damage in an accident than smaller automobiles. But the Suburban’s safety features and high safety ratings can help to keep premiums in check. Keep in mind that insurance premiums vary by region because some areas have higher repair costs, more traffic, more auto thefts and other risk factors. Your driving history will also determine how expensive your Suburban insurance is. For example, if you have multiple tickets or accidents, you’ll likely pay higher rates.

How much cargo space does a Suburban have?

Suburbans have 144.5 cubic feet of cargo space when the second- and third-row seats are folded down. That’s enough to carry furniture and even appliances if you’re helping to move your buddies or your adult kids in and out of apartments. It has 93.8 cubic feet cargo space with just the third row folded, and if all seats are in use, it has 41.5 cubic feet behind the third row. A hands-free liftgate is an option, meaning you just need to wave your foot under the bumper to access the back cargo space.

How much can a Suburban tow?

The cheapest trim level of the 2025 Chevy Suburban, the LS model equipped with the standard 5.3-liter V8 engine and rear-wheel drive, can tow up to 7,700 pounds. That means you could easily pull a 23-foot AirStream Flying Cloud camper fully packed. With some upgrades, the maximum weight rises to 8,200 pounds. There’s a trailer package available that includes a high-capacity radiator, integrated trailer brake controller and other towing aids like a trailer tire monitor and boat ramp assist.

Car Insurance for Chevrolet Suburban

How much does it cost to insure a Chevrolet Suburban?

Chevrolet Suburban car insurance costs an average of $2,837 per year for full coverage. This is higher than the national annual average for all cars, which is $2,697, according to insurance data firm Quadrant Information Services.

One of the primary reasons owners of Suburbans might pay more for insurance is that the SUV’s size and weight mean it can do more damage during an accident, and many of its components, such as engines and extra-large tires, are more expensive to replace. But, there are several other factors that will impact your rate, including your driving record, location and coverage selections.

$2,837 Avg annual full coverage
insurance premium

$858 Avg annual min coverage
insurance premium

Manufacturer’s suggested retail price (MSRP): Starting at $62,000

Trims available: LS, LT, RST, Z71, Premier and High Country

Repair costs

The Suburban’s annual cost for maintenance and repairs is $944, compared to an average of $784 for full-size SUVs and $652 for all types of automobiles, according to RepairPal. The larger size and weight of the SUV increases the replacement cost of some parts, leading to higher insurance premiums.

Safety features

The Suburban has a range of safety features, including automatic emergency braking, rear cross-traffic alert and lane-keeping assist. There’s also an alert if you’re too close to the vehicle in front, and limits for teen drivers including speed alarms and maximum volume levels for music.

Crash ratings

The National Highway Traffic Safety Administration (NHTSA) gives the 2025 Suburban a five-star rating overall, the highest level for safety. The NHTSA also gave the Suburban a five-star rating for frontal and side crashes for both front- and rear-seat passengers.

Cheapest car insurance companies for a Chevrolet Suburban

The key to finding affordable car insurance for your Suburban is to shop around and ask about discounts. Rates vary by insurer because each company weighs risk factors using its own formula, and the discounts available are up to the company's discretion.

Bankrate pulled together average annual Suburban rates from some of the top insurance companies. The providers listed below offer competitive prices, a variety of discount opportunities, solid customer service and high financial stability ratings. The goal is for you to get the coverage you need without paying more than you should.

How much does it cost to insure my Chevrolet Suburban?

Your personal insurance rates will vary, but the sample rates below provide a point of reference as you start your shopping journey.

2023 Chevrolet Suburban car insurance cost by carrier


Encova	$1,736	-1101
Geico	$2,618	-219
Nationwide	$1,886	-951
Progressive	$2,249	-588
Travelers	$2,164	-673

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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Insurance disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Powered by Coverage.com (NPN: 19966249)

Advertising disclosure

This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Insurance disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Other car insurance coverage for a Chevrolet Suburban

When choosing an insurance company, there’s more to consider than just low premiums. You’ll want to make sure the company is reliable and offers good customer service. The best companies also offer a variety of endorsements to customize your coverage. While state minimum coverage allows you to drive legally, it often falls short if you have a serious accident or damage from a storm.

Experts recommend a more robust policy than the bare minimum, especially if you drive a newer Chevy Suburban. Here are a few extra coverage options to think about for added peace of mind:

Personal injury protection (PIP): Covers medical bills for you and your passengers, no matter who caused the accident. This is usually of importance in no-fault states, where your own insurance handles injury-related costs.
Collision coverage: Whether it’s a fender bender or something more serious, this helps cover the cost to repair or replace your car if you’re in an accident, no matter who’s at fault.
Comprehensive coverage: This will help pay to repair or replace your car if it’s damaged in a covered non-collision event. That could include theft, vandalism, fires or flooding.
Uninsured/underinsured motorist coverage: This will cover you if you’re hit by a driver who doesn’t have insurance or doesn’t have enough insurance. It’s a good safety net, especially in areas where uninsured drivers are common.

How to get a Chevrolet Suburban car insurance quote

You can get an insurance quote for your Suburban online, over the phone or in person. If you're in the market for a new vehicle, comparing quotes before you sign on the dotted line can help you determine how different models would fit into your budget. Here’s a step-by-step guide to compiling and comparing quotes:

Gather personal details: You’ll likely be asked to provide your name, address, date of birth and driver’s license number, as well as the make, model and year of your car — and potentially the vehicle identification number (VIN). If you haven't purchased a car yet, you may be able to get sample quotes by providing an agent with the car’s make and model.
Use online quote tools: To expedite the process of shopping around, you might consider using comparison websites or apps that allow you to get quotes from multiple insurers at once. Alternatively, go directly to insurance company websites and use their online quote tools to receive personalized quotes.
Provide driver details and mileage: You could be asked to provide specific details about your vehicle, including add-on features or modifications. You might also need to provide your average annual mileage and how the vehicle is primarily used (e.g., for business purposes or personal use). Additionally, you’ll need to provide accurate information about all drivers who will be covered by the policy, including their driving history, age and relationship to you.
Review quotes: Compare the quotes you receive, paying attention to coverage options, limits, deductibles and overall cost. Insurance experts also recommend reviewing customer service scores, financial strength ratings, digital tools and customer reviews to get a holistic view of how a carrier will meet your needs.
Select carrier and apply: Choose the insurance company and policy that best fits your needs and budget. Complete the application process by providing any additional required information and making your first premium payment.

Compare Chevrolet Suburban with other similar cars

Chevrolet Suburban Avg annual full coverage premium $2,837 Read More	Cadillac Escalade Avg annual full coverage premium $3,744 See more models	Ford Expedition Avg annual full coverage premium $2,881 Read More
Price (MSRP)
$62,000	$90,295	$62,320
NHTSA Safety rating The NHTSA uses a 5-star rating program to evaluate how vehicles perform in crash tests based on frontal, side and rollover collisions.
5 stars	5 stars	Not rated
Gas mileage
23 MPG combined city/highway	17 MPG combined city/highway	19 MPG combined city/highway
IIHS/HLDI Collision insurance losses The IIHS and HLDI collect data on how insurance losses for specific models compare to the average for all passenger vehicles. These results are adjusted for deductible and specifically for collision claim losses.
Average	Substantially worse than average	Average

Frequently asked questions

Chevrolet Suburban car insurance costs are higher than those of many other vehicles due to several factors, including its size and weight. It’s one of the largest SUVs you can buy. As a result, it can do more damage in an accident than smaller automobiles. But the Suburban’s safety features and high safety ratings can help to keep premiums in check. Keep in mind that insurance premiums vary by region because some areas have higher repair costs, more traffic, more auto thefts and other risk factors. Your driving history will also determine how expensive your Suburban insurance is. For example, if you have multiple tickets or accidents, you’ll likely pay higher rates.
Suburbans have 144.5 cubic feet of cargo space when the second- and third-row seats are folded down. That’s enough to carry furniture and even appliances if you’re helping to move your buddies or your adult kids in and out of apartments. It has 93.8 cubic feet cargo space with just the third row folded, and if all seats are in use, it has 41.5 cubic feet behind the third row. A hands-free liftgate is an option, meaning you just need to wave your foot under the bumper to access the back cargo space.
The cheapest trim level of the 2025 Chevy Suburban, the LS model equipped with the standard 5.3-liter V8 engine and rear-wheel drive, can tow up to 7,700 pounds. That means you could easily pull a 23-foot AirStream Flying Cloud camper fully packed. With some upgrades, the maximum weight rises to 8,200 pounds. There’s a trailer package available that includes a high-capacity radiator, integrated trailer brake controller and other towing aids like a trailer tire monitor and boat ramp assist.

Bankrate utilizes Quadrant Information Services to analyze November 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:

40 year old

Single male and female driver

2023 Toyota Camry

Primary vehicle

Good credit score

Clean driving record

Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Other profiles

Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.