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A Comprehensive Guide to SUV Insurance in 2024
Drivers pay an average of $182 a month to insure an SUV, but some makes and models are cheaper than others.
On average, SUV drivers can expect to pay approximately $258 a month for full coverage car insurance and $105 for state minimum liability coverage. However, some SUV models, like the
Subaru Outback
and the Jeep Wagoneer
, are cheaper to insure than others.SUV insurance by vehicle make and model
One of the most important factors in determining your auto insurance rates for any vehicle—including your SUV—is the make and model of your car. Here are the average rates for the top five SUV models in each size class in 2024.
SUV car insurance for full-sized models
SUVs are often affordable to insure, but some models are better than others. The following are the top five cheapest full-sized SUVs to insure in 2024, along with the average annual insurance premiums for different
types of coverage
.Vehicle make/model | Minimum coverage | Full coverage |
|---|---|---|
$72 | $195 | |
$102 | $216 | |
$102 | $220 | |
$110 | $217 | |
$119 | $285 |
SUV car insurance for mid-sized models
Mid-sized SUVs are often even cheaper to insure than full-sized SUV models, but your actual rates will depend on the model you choose. Here are the top five cheapest mid-sized SUVs to insure in 2024 along with their average annual insurance rates.
Vehicle make/model | Minimum coverage | Full coverage |
|---|---|---|
$103 | $247 | |
$105 | $233 | |
$106 | $235 | |
$112 | $294 | |
$115 | $300 |
SUV car insurance for compact models
Generally speaking, the smaller your SUV, the cheaper your average insurance rates. Here are the top five cheapest compact SUV models to insure in 2024, along with their respective annual insurance rates for different levels of coverage.
Vehicle make/model | Minimum coverage | Full coverage |
|---|---|---|
$90 | $189 | |
$96 | $231 | |
$100 | $212 | |
$109 | $222 | |
$113 | $259 |
SUV car insurance for crossover models
While a traditional SUV uses a truck chassis, making it very heavy, a crossover SUV is built on a car platform. This makes crossovers significantly lighter while still maintaining the general size and shape—and low insurance costs—of an SUV. Here are the average annual rates for the top five cheapest crossover SUVs to insure in 2024.
Vehicle make/model | Minimum coverage | Full coverage |
|---|---|---|
$78 | $172 | |
$103 | $231 | |
$103 | $368 | |
$115 | $365 | |
Genesis GV70 | $119 | $312 |
SUV car insurance for electric and hybrid models
Hybrid and
electric car insurance
is certainly different from traditional SUV insurance, and you might notice that these SUV models are more expensive to insure than their gas-powered counterparts. This is because, on average, hybrid and electric SUVs have higher replacement and repair costs, leading to a higher risk for insurance companies. With that being said, here are the average annual insurance rates for the cheapest electric and hybrid SUVs to insure in 2024.
EV make/model | Minimum coverage | Full coverage |
|---|---|---|
$83 | $239 | |
$102 | $276 | |
$112 | $307 | |
$121 | $428 | |
$140 | $396 |
Hybrid make/model | Minimum coverage | Full coverage |
|---|---|---|
$91 | $195 | |
$97 | $250 | |
$104 | $224 | |
$110 | $221 | |
$119 | $213 |
The best providers for SUV insurance
Based on the data we collected above, we can assume that drivers should expect to pay an average rate of $182 per month to insure an SUV. Broken down, this is approximately $105 per month for a
liability-only policy
and $258 per month for full coverage
. However, different insurance providers use different algorithms to determine their rates, meaning you might get very different quotes from different providers. The best way to get an accurate idea of how much you might pay for the car insurance coverage you need is to
get a car insurance quote
from at least three different providers and compare rates. You can easily do this by using an independent broker like Jerry
.With that being said, knowing which insurance providers offer affordable rates to SUV drivers is a good place to start. Our experts analyzed thousands of car insurance policies purchased by Jerry drivers to determine the average monthly cost of insurance for SUVs with some of the nation’s top providers. Here’s what they found:
Insurance provider | Average SUV insurance cost |
|---|---|
$191 | |
$183 | |
$284 | |
$126 | |
$240 | |
$145 | |
$121 | |
$149 | |
$291 | |
$208 | |
$146 | |
$142 | |
$144 | |
$148 | |
$157 | |
$119 |
Don’t overpay for SUV insurance
Don’t overpay for SUV insurance
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Factors that impact SUV insurance rates
There are several factors that car insurance companies use to determine your auto insurance rates for your SUV. Here are some of the most important ones, and how they’ll impact your rates.
Your SUV’s vehicle safety rating
Vehicles with good safety features and crash test ratings will usually be significantly cheaper to insure since you’ll be less likely to make an insurance claim. Two organizations offer vehicle safety ratings:
- The Insurance Institute for Highway Safety (IIHS)offers vehicle safety ratings based on how well vehicles perform in a crash and how much technology vehicles have to help you avoid an accident.
- The National Highway Traffic Safety Administration (NHTSA)offers safety ratings based on how well vehicles perform in a crash test.
Vehicle make/model | IIHS Safety Rating | NHTSA Safety Rating |
|---|---|---|
Ford Explorer | Good (Top Safety Pick+) | 5 stars |
Kia Telluride | Good (Top Safety Pick+) | 5 stars |
Subaru Ascent | Good (Top Safety Pick+) | 5 stars |
Good (Top Safety Pick+) | 5 stars | |
Audi Q7 | Good (Top Safety Pick+) | 5 stars |
The value of your SUV
While vehicle type is important, the value of your vehicle can also play a big role in determining your car insurance costs.
Often, you’ll get some of the cheapest car insurance rates for vehicles with low repair and replacement costs. This is because your insurance provider takes a lower risk by agreeing to extend auto coverage to this type of car.
This is also why it’s usually much more expensive to
insure a new car
than it is to insure a used one, particularly if you choose to carry collision
and comprehensive coverage
, and why hybrid and electric SUVs are more expensive to insure than their gas-powered counterparts. The amount of coverage you need
The coverage options you choose will have a big impact on your rates since purchasing less coverage will typically result in cheaper insurance.
However, it’s important to keep in mind that an insufficient auto insurance policy can leave you with expensive out-of-pocket costs after an accident. As such, the best car insurance practice in most cases is to carry as much coverage as possible.
Some of the most common coverage options include:
- Liability coverage: All states require drivers to carry property damage liability and bodily injury liability coverage, which costs $77 on average. Most drivers find thatstate minimum liability coverageisn’t enough to protect them in the event of an accident. AtJerry, our insurance experts recommend carrying at least 100/300/100 liability coverage.
- Comprehensive coverage: Comprehensive insurance pays for damages sustained by your vehicle in things other than a collision. If your vehicle was damaged in a flood, for example, your comprehensive insurance would cover the damages after you meet your deductible.
- Collision coverage: Collision insurance pays for damages sustained by your vehicle in a collision after you meet your deductible. This type of insurance is often paired with comprehensive coverage and liability insurance to make afull coverage policy.
- Uninsured/underinsured motorist coverage (UM/UIM): UM/UIM is required in some states and covers your bills if you’re hit by a driver who doesn’t have enough insurance to pay for the damages.
- Personal injury protection (PIP): PIP is required in some states. This type of insurance pays for medical bills, lost wages, rehabilitation, and similar expenses related to injuries that you or your passengers sustain in an accident.
- Medical payments coverage (MedPay): MedPay is required in some states and covers medical bills for you and your passengers after an accident.
The age of your vehicle
Older cars are cheaper to insure on average than newer vehicles since older cars typically have lower repair and replacement costs. To illustrate this point, our experts analyzed the average rates for all of the SUVs listed above to find average car insurance rates for SUVs based on model year:
Model Year | Minimum liability | Full coverage |
|---|---|---|
2024 | $114 | $345 |
2022 | $105 | $271 |
2020 | $91 | $235 |
2015 | $103 | $205 |
2010 | $108 | $207 |
Why are rates higher for older vehicles? Advances in safety technology and the availability of repair parts likely impact insurance rates for vehicles as they approach ten years on the road.
Why are rates higher for older vehicles? Advances in safety technology and the availability of repair parts likely impact insurance rates for vehicles as they approach ten years on the road.
Ways to lower your SUV insurance rates
Feeling ready to find insurance for your SUV? Here are a few tactics to ensure you get cheap car insurance for your vehicle:3
- Ask aboutcar insurance discounts. Most providers will offer discounts of one kind or another, including discounts for a clean driving record, installing a telematics device, or even getting good grades.
- Take a defensive driving course, especially if you live in a state likeCaliforniathat mandates an insurance discount for drivers who do so.
- Improve your credit score, as drivers with excellent credit see significantly lower average insurance rates.
Keep your SUV rates low with Jerry
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Why are SUVs cheaper to insure than sedans?
According to the Insurance Information Institute (III), drivers make claims for SUVs significantly less frequently than for sedans4. Some SUVs also have lower repair and replacement costs than sedans, leading to more affordable auto insurance rates.
What is the cheapest car insurance you can get for an SUV?
No single car insurance company will provide the best auto insurance rates to every policyholder with an SUV. Drivers have had luck with providers like Direct Auto, Founders, and Travelers, but you should get quotes from as many providers as possible before settling on a car insurance company for your SUV.
What factors affect the cost of SUV insurance?
Several factors impact the cost of auto insurance for an SUV, including your vehicle’s safety ratings, the cost of repair/replacement, the amount of coverage you need, and your driver profile. To learn more about how much you can expect to pay for your coverage, use a tool like
Jerry
to gather quotes from several providers.Meet our experts
Liz Jenson
Liz Jenson is an insurance writer who specializes in general automotive and insurance topics. Liz’s mission is to produce informative and useful content to help car owners make smart choices when buying cars and car insurance. Since joining Jerry in 2021, Liz has written nearly 4,000 long- and short-form articles on topics including state-specific insurance recommendations, common car insurance questions, and deep dives into vehicle model details.
Before they came to Jerry, Liz was a full-time student at Indiana University, Bloomington working on a double major in English and French.
Amy Bobinger
Licensed Insurance Agent — Expert Insurance Editor
Expert insurance writer and editor Amy Bobinger specializes in car repair, car maintenance, and car insurance. Amy is passionate about creating content that helps consumers navigate challenges related to car ownership and achieve financial success in areas relating to cars.
Amy has over 10 years of writing and editing experience. After several years as a freelance writer, Amy spent four years as an editing fellow at WikiHow, where she co-authored over 600 articles on topics including car maintenance and home ownership. Since joining Jerry’s editorial team in 2022, Amy has edited over 2,500 articles on car insurance, state driving laws, and car repair and maintenance.
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