for sport utility vehicles and crossovers costs an average of $3,219 per year. With lots of safety features and competitive pricing, small SUVs like the Honda CR-V are often some of the

cheapest cars to insure

The 10 cheapest SUVs to insure

Because the potential for claims and the potential cost of repairs play such a large part in determining insurance premiums, smaller, lower-priced SUVs tend to be the cheapest to insure.

High safety ratings, low potential for claims, and low repair costs combine to make these the 10 cheapest SUVs to insure in 2023:

Honda CR-V: $2,035 per year

Subaru Forester: $2,046 per year

Jeep Wrangler: $2,176 per year

Subaru Outback: $2,184 per year

Toyota RAV4: $2,201 per year

Nissan Rogue: $2,227 per year

Chevrolet Equinox: $2,250 per year

Ford Escape: $2,251 per year

Ford Explorer: $2,339 per year

Toyota Highlander: $2,445 per year

The 10 most expensive SUVs to insure

Though no less safe than compact SUVs and crossovers, a higher potential for costly claims and higher repair costs make these the 10 most expensive SUVs to insure 2023:

Tesla Model Y: $3,644 per year

GMC Yukon: $3,454 per year

Volkswagen Tiguan: $3,366 per year

Kia Sportage: $3,362 per year

Jeep Grand Cherokee: $3,199 per year

Honda HR-V: $3,109 per year

Chevrolet Traverse: $3,067 per year

Chevrolet Tahoe: $3,056 per year

Subaru Crosstrek: $2,873

Toyota 4Runner: $2,790

Best insurance companies for SUV drivers

SUV drivers should expect to pay around $2,015 per year for minimum injury liability coverage and $3,219 per year for full coverage, though auto insurance rates will vary based on personal factors. The table below outlines national averages from some of the

best car insurance companies

in the US for insurance coverage on the top five best-selling SUV models of 2023 so far.

Insurance Company	Tesla Model Y	Toyota RAV4	Nissan Rogue	Honda CR-V	Ford Explorer
Allstate	$4,135	$2,343	$2,160	$1,929	$2,065
Farmers	$3,307	$2,050	$2,066	$1,858	$1,852
GEICO	$2,254	$1,154	$1,134	$1,055	$1,205
Nationwide	$2,898	$1,465	$1,320	$1,131	$1,191
Progressive	$2,865	$1,686	$1,715	$1,550	$1,668
State Farm	$2,011	$1,424	$1,300	$1,214	$1,288
USAA	$1,905	$1,158	$1,121	$1,094	$1,133
Travelers	$2,980	$1,575	$2,038	$1,497	$1,763

Methodology

Our selections are based on an average of two datasets:

Real quotes from policies sold to Jerry users.

Public data from news, automotive, and financial advice websites, including Forbes, Car and Driver, USA Today, and Experian.

What factors impact SUV insurance rates?

Your car insurance costs will vary depending on

several factors

, including the level and type of coverage you select,

your state’s minimum coverage requirements

, and multiple individualized factors:

The type of vehicle you drive

How much you drive

Your age

Your credit score

in most states

A clean driving record

(or not)

Car insurance companies use different calculations to determine your rate so the best thing you can do is compare quotes to see what level of coverage you can afford.

Whether you’re looking for the cheapest car insurance available or

expanding your coverage

, you can use a licensed insurance agency like Jerry to help you narrow down

real car insurance prices

from the country’s

best insurers

and easily compare your coverage options.

Does SUV size matter for car insurance?

Typically, smaller SUVs tend to offer lower insurance premiums because

comprehensive coverage

and

collision coverage

claims are less costly.

These types of insurance cover the cost of repairing the property damage on your vehicle, which often proves to be more economical for smaller SUVs compared to their larger and pricier counterparts.

FAQs

Are SUVs expensive to insure?

Typically, insurance premiums for smaller SUVs and crossovers are comparable to—if not cheaper than—car insurance rates for sedans and even compact cars. Even large SUVs, while more expensive to insure than their smaller siblings, tend to be cheaper to insure than midsize sedans and compact cars.

What are the cheapest SUVs to insure?

If you’re in the market for a new car, some of the cheapest SUVs to insure include the Honda CR-V, Subaru Forester, and Jeep Wrangler.

Does the size of the vehicle impact the insurance rate?

In general, the smaller the SUV, the less costly your car insurance premium.

Which SUVs have the highest insurance rates?

If you’re looking for cheap car insurance, it’s best to avoid more expensive cars like the Tesla Model Y, GMC Yukon, and Volkswagen Tiguan.

How can you lower the cost of car insurance for your SUV?

To lower your annual premium, consider comparison shopping with a licensed insurance broker like Jerry. You should compare a minimum of 3–5 different quotes to find the best rate before making your insurance decision.

What are the best insurance companies for SUVs?

Some of the best insurance providers for SUVs include State Farm, GEICO, and Nationwide.

What is the average cost of SUV insurance?

The term “SUV” is hard to pin down as it describes a broad range of vehicles in an even broader array of sizes. Auto insurance companies will calculate car insurance quotes based on various factors, including your age, driving history, insurance claims history, and whether you have good credit.

That said, you can expect to pay an average of $289 per month or $3,219 per year for a full-coverage car insurance policy on an SUV.