Car Insurance for SUVs: How Much Does It Cost? (2026)

SUV car insurance costs an average of $2,175 per year for full coverage and $974 per year for minimum coverage.

Your rate depends on more than just the vehicle type. Insurers look at the SUV’s value, repair costs and safety features, along with your age, driving record and location. A luxury SUV will cost more to insure than a compact crossover, while strong crash-test ratings and advanced safety systems can help lower premiums.

Full coverage includes liability, comprehensive and collision coverage. Minimum coverage meets your state’s legal requirements but won’t pay to repair your SUV after most accidents you cause.

SUV insurance costs range from $73 to $90 per month for minimum coverage and from $154 to $296 per month for full coverage, depending on the make and model.

The Subaru Forester has the lowest minimum coverage rate at $73 per month. The BMW X7 is the most expensive to insure for full coverage at $296 per month. Luxury and larger SUVs tend to cost more because they have higher replacement values and repair costs. Compact crossovers with strong safety ratings usually cost less.

Compact SUVs are the cheapest SUV type to insure, with full coverage averaging $170 per month. Luxury SUVs are the most expensive at $220 per month for full coverage.

Minimum coverage rates are more consistent across categories, ranging from $80 to $83 per month. The biggest price differences appear with full coverage because higher-end SUVs cost more to repair or replace.

Luxury models have higher replacement values and specialized parts, which increases comprehensive and collision costs. Compact SUVs tend to cost less because they’re smaller, less expensive and often have strong safety ratings.

State Farm and GEICO offer the cheapest car insurance for SUV drivers overall. Drivers between the ages of 35 and 45 typically see the lowest rates. Among SUV models, the Subaru Forester is the most affordable to insure.

State Farm and GEICO’s competitive pricing and wide availability help keep premiums low for many SUV owners. Drivers in their late 30s and early 40s often pay less because they’re seen as lower risk by insurers. The Subaru Forester stands out for its strong safety ratings and reasonable repair costs, both of which contribute to lower insurance rates.

The Subaru Forester is the cheapest SUV to insure, with rates ranging from $44 to $94 per month (or $525 to $1,129 annually) for minimum or full coverage. On the other end, the Volvo XC40 is the most expensive among the cheapest available rates, costing between $46 and $119 per month (or $548 to $1,423 annually) for the same coverage levels.

State minimum coverage only pays for damage to other people and their property. It doesn’t protect your SUV. If you want more protection (especially for a higher-value or newer SUV) consider adding these coverages.

Adding these options can raise your premium, but they offer more protection for your SUV — especially if it’s new, customized or used for more than just daily commuting.

SUV insurance costs vary based on age, model and coverage. Compact SUVs and non-luxury models usually offer the best value. In this article, we discussed the best rates, coverages and policies so you can find the right policy that fits your budget and lifestyle.

Below are our expert answers to common questions about SUV car insurance.

To find the best car insurance for SUVs, we built a weighted scoring system that balances price with service quality and financial strength. Insurance isn’t just about the lowest premium. It’s about how well a company handles claims, how stable it is and what coverage options it offers.