Car insurance for SUVs

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The average annual cost of car insurance is $1,674 per year for full coverage, but the price you pay for your auto insurance policy may differ based on several individual factors. Insurance companies use various rate factors to price your policy, including your driving record and vehicle age. Another major factor is the make and model of your car.

Sport utility vehicles (SUVs) have become a popular alternative to sedans for many drivers, offering additional comfort, convenience and elbow room. However, the added luxuries can come at a price. The average cost of car insurance for SUVs can often be more expensive than insuring a sedan. With car insurance required in most states, it helps to know how much it might cost to insure your SUV before you buy your next auto insurance policy.

Models included in this review:

  • Chevrolet Equinox
  • Ford Escape
  • Ford Explorer
  • Honda CR-V
  • Jeep Grand Cherokee
  • Jeep Wrangler
  • Nissan Rogue
  • Subaru Forester
  • Toyota Highlander
  • Toyota RAV4

How much does it cost to insure an SUV

The average cost of car insurance in the U.S. is $1,674 a year. While SUV car insurance can fall within this range, premiums could also be higher or lower, depending upon the make and model of your SUV.

The size of the vehicle, the cost to repair it and the safety features are some of the rate factors for auto insurance companies to help determine premiums.

  • Crash rate stats per make/model: Insurance Institute for Highway Safety (IIHS) ratings are not only a great way to shop for safe vehicles, but a high safety rating on your SUV could also earn you savings on your annual premium.
  • Price of parts: Luxury car insurance will usually cost more than insurance for a lower-priced vehicle because of the difference in repair costs. This causes insurers to increase rates in part to cover these increased repair expenses.
  • Safety features: SUVs with advanced safety features and those that rank low on the claims index may be cheaper to insure than models that have had high instances of theft and claims in the recent past.

Car insurance for an SUV

The true cost of your auto insurance depends on several individual factors, which may include where you live, how old you are, your driver record and credit score. Not all of these factors are considered across the nation, including age, gender and credit score. However, these are the average costs for SUV insurance based on the most current data available from Quadrant Information Services.

Car insurance for SUVs by make and model

The make and model of your SUV is a major factor that impacts pricing for your car insurance. The type of coverage you choose can also make a difference, with minimum coverage policies typically costing less than full coverage policies.

The following table indicates the average cost of insuring some of the most popular SUVs of today. The Subaru Forester, Chevrolet Equinox, and Honda CR-V are among the cheapest makes and models for auto insurance for SUVs.

Model car insurance Average annual full coverage premium Average annual minimum coverage premium
Chevrolet Equinox $1,467 $495
Ford Escape $1,430 $495
Ford Explorer $1,536 $492
Honda CR-V $1,369 $487
Jeep Grand Cherokee $1,531 $516
Jeep Wrangler $1,358 $517
Nissan Rogue $1,560 $507
Subaru Forester $1,419 $459
Toyota Highlander $1,511 $498
Toyota RAV4 $1,510 $501

Cheapest car insurance companies for SUVs

Just because an SUV is popular does not mean that it is the cheapest to insure. Both the SUV and car insurance company you choose could significantly impact how much you pay for car insurance.

The following table indicates the cost of insuring various SUV makes and models with five of the best car insurance companies of 2021.

Average annual premium for full coverage by model

Car insurance company Chevrolet Equinox Ford Explorer Honda CR-V Jeep Wrangler Nissan Rogue Subaru Forester Toyota RAV4
Amica $1,199 $1,247 $1,098 $915 $1,233 $1,116 $1,185
Erie $1,306 $1,134 $1,134 $1,124 $1,199 $1,178 $1,229
Geico $1,217 $1,304 $1,033 $1,125 $1,182 $1,072 $1,028
State Farm $1,264 $1,371 $1,229 $1,283 $1,359 $1,266 $1,358
USAA $1,061 $1,180 $1,054 $1,094 $1,114 $1,094 $1,100

SUV features that impact insurance costs

SUVs may include several specific features that impact the cost of your auto insurance. Insurance companies generally offer several car insurance discounts to help you save money on your premium.

Some popular SUV features that could help you save include:

  • Blind spot detection: This technology uses a special notification to warn you if there is a vehicle nearby, which can be helpful for cars outside your direct line of sight.
  • Surround view: Manufacturers like Nissan and Infiniti provide surround-view technology that uses cameras around the sides of your vehicle to reduce the risk of collision.
  • Rear cross-traffic alert: The rear cross-traffic alert lets the driver know if there is a person or vehicle behind them in order to avoid collisions when reversing.

Consider asking your insurance agent about what kind of savings may be available for you.

Other car insurance coverage for an SUV

SUV insurance may not always have the lowest cost when compared to other cheap cars to insure, so it helps to have the right coverage to help protect your finances against expensive SUV damage.

The standard auto insurance policy typically includes collision and comprehensive coverage to protect against crashes, vandalism, theft and weather damage. Some states also require drivers to carry uninsured/underinsured motorist coverage in case of accidents with drivers who have little to no insurance.

Many insurance companies offer drivers the option of additional coverage. This may include rental reimbursement coverage, which helps pay for expenses of renting a vehicle while your car is in repair from a covered claim. For those who spend a lot of time on the road, towing and labor can help offer peace of mind. Some drivers may also want to consider special protections like new car replacement insurance and customized equipment to help replace or repair customized parts. Gap insurance could come in handy when you lease or finance your car by insuring the full loan amount instead of the vehicle value. Discuss your situation with an agent to decide which coverage options suit you best.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 SUV of the following types, commute five days a week and drive 12,000 miles annually.

SUV models:

  • Chevrolet Equinox
  • Ford Escape
  • Ford Explorer
  • Honda CR-V
  • Jeep Grand Cherokee
  • Jeep Wrangler
  • Nissan Rogue
  • Subaru Forester
  • Toyota Highlander
  • Toyota RAV4

These are sample rates and should only be used for comparative purposes.

Written by
Lena Borrelli
Insurance Contributor
Lena Muhtadi Borrelli has several years of experience in writing for insurance domains such as allconnect, Healthline and Reviews.com. She previously worked for Morgan Stanley.
Edited by
Insurance Editor