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. 

Per month, drivers with full-coverage car insurance for SUVs pay an average of $181. Minimum coverage averages $81. That's a $100 monthly gap. For a newer or higher-value SUV, full coverage makes sense. A total loss or major repair would cost far more than the extra premium. For an older SUV worth less than a few years of that cost difference, minimum coverage is the better choice.

MoneyGeek analyzed 80,676 quotes from major companies to calculate these averages. Rates reflect a standard driver profile and adjust for age, location and driving history.

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.

The Jeep Wrangler costs $158 per month for full coverage, less than the Honda HR-V at $166, even though it's a larger vehicle. Body style doesn't always predict price. Safety ratings and repair costs matter more.

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 usually see the lowest rates. Among SUV models, the Subaru Forester is the most affordable to insure.

State Farm and GEICO offer some of the lowest SUV premiums, partly due to rate competition and national reach. Drivers in their late 30s and early 40s pay less than younger or older age groups because insurers rate them as lower risk. The Subaru Forester earns lower premiums than most SUVs, backed by top safety ratings and below-average repair costs.

State Farm's full coverage rate of $94 per month is $33 less than Progressive's and $36 less than Allstate's. The company you choose can change your annual cost by several hundred dollars.

The Subaru Forester is the cheapest SUV to insure, with rates from $44 to $94/month ($525 to $1,129 annually) for minimum or full coverage. The Volvo XC40 sits at the other end, costing $46 to $119/month ($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.

These options raise your premium but provide more protection for new or customized SUVs, or SUVs used beyond daily commuting.

Minimum coverage car insurance only pays for damage you cause to other people. It won't pay to fix or replace your own SUV if something goes wrong.

If your bank or leasing company requires full coverage, you're already paying for the basics (liability, comprehensive, and collision). The extra coverages you need depend on how you use your SUV. For example, a family that relies on one SUV every day needs different add-ons than someone who takes their truck off-road on weekends, or someone making payments on a brand-new luxury model.

The table below shows which coverages matter most for your situation. If a coverage shows "Situational," it's worth getting if your SUV is newer or you still owe money on it. If it shows "Rarely needed," you can probably skip it and save the money.

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.

SUVs cost less to insure than sedans. Full coverage car insurance for a sedan averages $2,618 per year. For an SUV, it's $2,175. That's $443 less per year.

State Farm and GEICO are the two cheapest companies in MoneyGeek's analysis for both minimum and full coverage. If neither works for you, Travelers is next at $112 per month for full coverage. Get quotes from at least two of these three before you buy.

These expert answers cover 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.