Updated: June 19, 2025
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State Farm offers the best affordable car insurance for SUVs, with rates starting at $35 monthly.
SUV insurance costs range from $426 to $6,510 annually for most drivers, depending on age, SUV type and coverage level.
SUVs are often cheaper to insure than sedans, especially compact or non-luxury models with strong safety ratings.
On average, a full coverage policy for an SUV costs $2,175 per year, while minimum coverage costs $974 annually. Rates vary by age and vehicle type.
Insuring an SUV can cost more or less than a sedan depending on several things, including the value of the SUV, repair costs and safety features.
Younger drivers aged 16 to 21 typically face higher rates at $251 to $542 per month, due to inexperience. While rates generally decrease with age and experience, drivers aged 35 to 65 get the cheapest rates at $52 to $121 per month.
| 16 | $251 | $3,011 | $542 | $6,510 |
| 21 | $82 | $981 | $188 | $2,260 |
| 25 | $60 | $715 | $139 | $1,666 |
| 35 | $52 | $630 | $121 | $1,458 |
| 45 | $52 | $619 | $117 | $1,409 |
| 65 | $52 | $625 | $114 | $1,367 |
| 75 | $63 | $753 | $134 | $1,610 |
The average SUV insurance cost by make and model is between $81 and $181 per month, depending on the coverage you’re getting.
Generally, larger, more luxurious SUVs cost more to insure. Compact models and those with good safety scores can lead to lower premiums.
| Acura MDX | $81 | $967 | $174 | $2,094 |
| Audi E Tron | $81 | $976 | $243 | $2,922 |
| Audi Q5 | $78 | $933 | $194 | $2,329 |
| Audi Q7 | $81 | $969 | $209 | $2,504 |
| BMW X3 | $80 | $966 | $190 | $2,275 |
| BMW X5 | $82 | $984 | $227 | $2,721 |
| BMW X7 | $90 | $1,081 | $296 | $3,558 |
| Chevy Equinox | $80 | $957 | $164 | $1,965 |
| Chevy Tahoe | $83 | $1,002 | $174 | $2,084 |
| Dodge Journey | $84 | $1,010 | $167 | $2,002 |
| Ford Escape | $80 | $957 | $159 | $1,909 |
| Ford Expedition | $81 | $976 | $180 | $2,164 |
| Ford Explorer | $82 | $983 | $168 | $2,011 |
| Honda CR-V | $78 | $940 | $154 | $1,850 |
| Honda HR-V | $80 | $960 | $166 | $1,998 |
| Honda Passport | $78 | $938 | $178 | $2,140 |
| Honda Pilot | $78 | $936 | $165 | $1,982 |
| Hyundai Kona | $78 | $939 | $182 | $2,188 |
| Jeep Cherokee | $87 | $1,046 | $177 | $2,130 |
| Jeep Grand Cherokee | $88 | $1,057 | $176 | $2,109 |
| Jeep Patriot | $88 | $1,060 | $159 | $1,910 |
| Jeep Wrangler | $83 | $995 | $158 | $1,893 |
| Kia Niro | $78 | $941 | $187 | $2,247 |
| Kia Soul | $80 | $965 | $165 | $1,975 |
| Kia Soul EV | $81 | $973 | $182 | $2,182 |
| Mazda CX-5 | $77 | $921 | $163 | $1,956 |
| Mercedes GLA 250 | $80 | $960 | $196 | $2,357 |
| Nissan Juke | $87 | $1,038 | $174 | $2,093 |
| Nissan Pathfinder | $85 | $1,021 | $176 | $2,115 |
| Nissan Rogue | $83 | $995 | $169 | $2,034 |
| Subaru Forester | $73 | $877 | $156 | $1,869 |
| Toyota Highlander | $81 | $969 | $163 | $1,956 |
| Toyota RAV4 | $81 | $973 | $164 | $1,966 |
| Volvo XC40 | $77 | $918 | $199 | $2,385 |
| VW ID.4 | $78 | $937 | $204 | $2,452 |
| VW Tiguan | $79 | $950 | $163 | $1,957 |
On average, compact SUVs are the cheapest type of SUV to insure, costing between $80 and $170 per month, depending on the coverage. Meanwhile, luxury SUVs are the most expensive, costing between $81 and $220 per month.
Luxury SUVs generally cost more to insure due to higher repair and replacement costs, while compact SUVs tend to have lower premiums.
| Compact SUV | $80 | $961 | $170 | $2,034 |
| Luxury Compact SUV | $80 | $963 | $193 | $2,316 |
| Luxury SUV | $81 | $975 | $220 | $2,645 |
| SUV | $83 | $994 | $171 | $2,053 |
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.
State Farm is the cheapest SUV insurance provider with average costs of $35 and $94 per month depending on the coverage.
These insurance providers offer the most affordable average rates for SUV drivers. Rates may vary based on your profile, but these companies are a good starting point.
| State Farm | $35 | $426 | $94 | $1,129 |
| GEICO | $39 | $472 | $99 | $1,185 |
| Travelers | $44 | $534 | $112 | $1,343 |
| Nationwide | $48 | $573 | $114 | $1,370 |
| Progressive | $51 | $606 | $127 | $1,524 |
| Allstate | $53 | $632 | $130 | $1,565 |
| Farmers | $55 | $655 | $138 | $1,656 |
Young SUV drivers can get competitive rates from State Farm, especially 16-year-olds, who pay $134 monthly for minimum coverage and $301 per month for full coverage.
Although car insurance is generally more expensive for young drivers, some providers like State Farm offer more competitive rates. Older drivers, on the other hand, may find better savings with different insurers.
| 16 | State Farm | $134 | $1,614 | $301 | $3,607 |
| 21 | GEICO | $67 | $802 | $157 | $1,884 |
| 25 | State Farm | $47 | $561 | $112 | $1,348 |
| 35 | State Farm | $40 | $478 | $95 | $1,134 |
| 45 | State Farm | $40 | $477 | $93 | $1,119 |
| 65 | State Farm | $37 | $445 | $86 | $1,027 |
| 75 | State Farm | $43 | $517 | $97 | $1,163 |
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.
| Subaru Forester | $44 | $525 | $94 | $1,129 |
| Volvo XC40 | $46 | $548 | $119 | $1,423 |
| Mazda CX-5 | $46 | $553 | $98 | $1,181 |
| Audi Q5 | $46 | $555 | $115 | $1,382 |
| Honda Pilot | $47 | $560 | $100 | $1,197 |
Drivers can lower their SUV insurance costs by making smart coverage choices and taking advantage of discounts. These steps can help you get a better rate without losing the protection you need.
Insurance rates can vary by hundreds of dollars between providers. Use online tools or independent agents to compare at least three quotes before buying a policy.
Choosing a higher deductible, like $1,000 instead of $500, can reduce your monthly cost. Just make sure you can afford to pay that amount if you have an accident.
Many insurers offer discounts if you bundle auto and home or renters insurance. This can save you up to 25% on your SUV policy.
A clean driving record with no accidents or tickets over the last few years helps lower your premium. Some insurers also give discounts after just one claim-free year.
SUVs with anti-lock brakes, airbags and anti-theft devices can qualify for safety or anti-theft discounts.
If you don’t drive often, some insurers offer savings for putting fewer miles on your SUV. Others offer telematics programs that reward safe habits like smooth braking and slow acceleration.
Some companies offer small discounts if you complete an approved course, which is especially helpful for teen or senior drivers.
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.
Coverage | Description |
|---|---|
Collision coverage | Pays for damage to your SUV if you hit another car or object. This is helpful for larger SUVs that may cost more to repair after an accident. |
Comprehensive coverage | Covers non-crash events like theft, fire, flooding, falling trees or animal damage — all common risks for SUVs parked outdoors or used in rural areas. |
Gap insurance | If your SUV is leased or financed, gap coverage helps pay the difference between what you owe and what the SUV is worth if it gets totaled. This is especially useful for newer or luxury SUV models that depreciate quickly. |
Roadside assistance | Larger SUVs can be harder and more expensive to tow. Roadside coverage gives you access to towing, flat tire help and battery jump-starts if your vehicle breaks down. |
Rental reimbursement | SUVs are often the primary family or utility vehicle. If yours is in the shop after a covered event, this coverage pays for a rental car, so you’re not left without transportation. |
Custom parts and equipment coverage | Many SUV owners add off-road tires, roof racks or other modifications. Standard insurance may not cover these extras. This add-on helps protect custom upgrades. |
Full glass coverage | SUVs typically have larger windshields and more glass panels. This option covers glass-only claims without a deductible, which can be helpful if a rock cracks your windshield or side window. |
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.
Not always. Many SUVs, especially smaller or non-luxury ones, can be cheaper to insure than sedans because of better safety ratings and lower injury claims.
Compact SUVs with strong safety features tend to be the most affordable to insure. Models like the Subaru Forester usually offer the lowest premiums.
Your age, driving history, the SUV’s make and model, your location and the amount of coverage you choose all play a role in how much you’ll pay.
We calculated SUV insurance costs using data from Quadrant Information Services. Rates are based on the following driver profile:
Coverages used for minimum coverage are based on state requirements. Full coverage includes a 100/300/100 liability insurance split and comprehensive and collision coverage with a $1,000 deductible.
To calculate the best car insurance for SUVs, we used a comprehensive scoring system based on five key factors:
Data Sources
Analysis
We reviewed 80,676 quotes from seven companies using a standard driver profile (male, 40 years old, single, clean record) while adjusting for age, location and driving history.
Coverage Levels and Deductibles
The term 100/300/100 means:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
