What's the Cheapest SUV to Insure?

Seeking cargo capacity without the cost? Compare average insurance rates for SUVs.

Insurance for SUVs: basics and ways to save


After you’ve found the SUV of your dreams, it's time to embark on the significantly less exciting journey of getting it insured. If you want your new vehicle to be fully protected without overpaying, you should put some time and effort into finding the right insurance policy. We’ll compare SUV insurance rates by model and insurer, providing some tips on how to find affordable and effective coverage. Let’s get started.


Finding cheap auto insurance for an SUV
  1. Cheapest auto insurance companies by SUV-types
  2. Do you have to buy SUV-specific insurance?
  3. How else can you save?
  4. Additional sources





SUV insurance rates by model


Because "SUV" is a fairly broad term, our rate comparison uses average premiums for make-and-model combinations across the US. The below breakdown — based on the user profile outlined here — allows you to select the make-and-model that matches your current or prospective vehicle, and compare companies to find the best rate for you.





Honda CR-V


First, we have a Honda CR-V with a 2017 list price of $24,045. Of the companies we compared, Farmers offers the cheapest insurance for a Honda CR-V with our user profile. Of the 10 SUVs we surveyed, the CR-V was the cheapest SUV to insure.

Annual Honda CR-V insurance rates

Company Premium

Allstate $1,175
Geico $1,231
Farmers $1,125
Liberty Mutual $1,256
Nationwide $1,192
Progressive $1,278
State Farm $1,314
USAA $1,267




Jeep Cherokee


Next up, the Jeep Cherokee. On average, a Cherokee costs about $1,270 a year to insure, making it the second-cheapest SUV to insure. As with the Honda CR-V, Farmers and Allstate are the cheapest insurance options for the Cherokee. However, its list price is a little lower than that of the CR-V at a cost of $23,695 in 2017.

Annual Jeep Cherokee insurance cost

Company Premium

Allstate $1,202
Geico $1,270
Farmers $1,182
Liberty Mutual $1,282
Nationwide $1,222
Progressive $1,315
State Farm $1,365
USAA $1,324




Ford Escape


With a list price of $23,750 and an average monthly premium of $97, the Ford Escape is on the cheaper end of SUV insurance costs. As with the Honda CR-V and the Jeep Cherokee, Farmers and Allstate are the best places to start when looking for cheap Ford Escape insurance.

Annual Ford Escape insurance premiums

Company Premium

Allstate $1,215
Geico $1,261
Farmers $1,166
Liberty Mutual $1,283
Nationwide $1,231
Progressive $1,314
State Farm $1,378
USAA $1,326




Chevy Equinox


Owning a 2017 Chevy Equinox will set you back about $1,277 a year in insurance costs, in addition to a retail price of about $22,120. Like the Ford Escape, the Equinox sits near the middle of the pack in terms of overall expense. To avoid paying a higher premium, stay away from Progressive and State Farm.

Annual Chevy Equinox insurance rates

Company Premium

Allstate $1,223
Geico $1,281
Farmers $1,160
Liberty Mutual $1,311
Nationwide $1,236
Progressive $1,326
State Farm $1,375
USAA $1,302




Jeep Wrangler


The Jeep Wrangler is near the middle of the pack in terms of insurance costs and list price ($23,995). At about $613 every 6 months (standard length of a policy period), or about $102 a month, Farmers and Allstate again offer the cheapest auto insurance rates for the Jeep Wrangler.

Annual Jeep Wrangler insurance costs

Company Premium

Allstate $1,226
Geico $1,282
Farmers $1,226
Liberty Mutual $1,305
Nationwide $1,246
Progressive $1,339
State Farm $1,374
USAA $1,341




Subaru Forester


The Subaru Forester, with a list price of $22,395, is a little more expensive to insure than the previous SUVs we've mentioned. Still, the same trend applies. Farmers and Allstate offer the cheapest rates for this model, given our user profile. On average, owning a Forester will cost $1,324 a year — or $624 per 6-month policy period — to insure.

Annual Subaru Forester insurance rates

Company Premium

Allstate $1,265
Geico $1,307
Farmers $1,248
Liberty Mutual $1,335
Nationwide $1,287
Progressive $1,339
State Farm $1,430
USAA $1,347




Toyota RAV4


The Toyota RAV4 is one of the most expensive SUVs to insure. In addition to its $24,410 list price, the RAV4 carries an average monthly auto insurance premium of $111 — or 6 months for $664 — or an annual cost of $1,329. Again, the cheapest insurance for the RAV4 is available via Farmers and Allstate.

Annual Toyota RAV4 insurance rates

Company Premium

Allstate $1,272
Geico $1,324
Farmers $1,222
Liberty Mutual $1,350
Nationwide $1,289
Progressive $1,383
State Farm $1,427
USAA $1,362




Nissan Rogue


Allstate and Farmers offer the cheapest car insurance for a Nissan Rogue. In addition to the list price of $23,820, owning a Nissan Rogue will set you back $1,338 annually, $669 for a 6-month policy period, or $111 per month.

Annual Nissan Rogue insurance rates

Company Premium

Allstate $1,278
Geico $1,330
Farmers $1,233
Liberty Mutual $1,359
Nationwide $1,289
Progressive $1,302
State Farm $1,427
USAA $1,362




Ford Explorer


The Ford Explorer, one of the highest-priced SUVs included in our survey, is also one of the more costly SUVs to insure. In addition to its 2017 list price of $30,185, average insurance costs for a Ford Explorer total more than $1,350 annually.

Annual Ford Explorer insurance rates

Company Premium

Allstate $1,291
Geico $1,344
Farmers $1,231
Liberty Mutual $1,365
Nationwide $1,315
Progressive $1,400
State Farm $1,466
USAA $1,422




Jeep Grand Cherokee


Last but not least, the Jeep Grand Cherokee is the most expensive SUV to insure and buy. In addition to its average list price of a little above $30K, Jeep Grand Cherokee insurance costs come out to nearly $1,400 a year, $700 per 6-month policy, or $115 monthly.


Annual Jeep Grand Cherokee insurance premiums

Company Premium

Allstate $1,338
Geico $1,387
Farmers $1,293
Liberty Mutual $1,346
Nationwide $1,445
Progressive $1,400
State Farm $1,487
USAA $1,426





Is SUV insurance different from standard auto insurance?


While insuring an SUV may be more expensive than insuring some sedans, car insurance is not necessarily categorized by vehicle type. The general term “auto insurance” encompasses all manners of vehicles and their necessary coverages. While you could potentially find different coverage options for an SUV, you certainly don’t need an SUV-specific policy.

If you already have an established policy with an insurance company, you can just add your vehicle without having to take any additional steps. Learn more about insurance quotes for SUVs here.





How to find cheap SUV insurance


Although SUVs are typically cheaper to insure than trucks or vans, you’re probably still paying more for auto insurance than you’d like. In addition to using the above SUV insurance comparison tables to guide your search, check out our other ways to save on auto insurance:


Be smart with your claims

Unless you have an accident forgiveness feature baked into your policy, your insurance costs will likely rise after you file a claim. If you’re thinking about filing a claim for damage to your vehicle, weigh your options. Does it make sense to pay for the damage out-of-pocket rather than through your insurance company? Here’s how you can tell.

  • Get an estimate for the repairs at a local repair shop
  • Use our State of Insurance analysis to see how much an at-fault accident would raise your rates in your state. This cost will be tacked on for three years, as that’s how long most auto insurance companies will rate you after an accident.
  • Compare the rate increase plus your deductible to the out-of-pocket cost. Choose the cheaper option.

While considerable variance exists between states regarding rate increases for at-fault claims, below is an average across the US. As you can see, an at-fault accident can — over the three-year period — raise your rate by more than $1,700.


Average Increase after at At-Fault Claim

Increase at 6 months Increase at 12 months Increase at 3 Years

+$291 +$582 +$1,746



Double check for discounts

Although car insurance discounts are typically quite small, they can add up to save you a lot of money on your auto insurance. So, when looking for ways to save, consider the following discounts:

  • Multi-policy discount
  • Good driver discount
  • Paperless discount
  • Payment by bank account
  • Paid-in-full discount (paying your premium in one payment)
  • Multi-vehicle discount
  • Telematics



Shop around

Any car insurance quote you receive will be heavily dependent on who you are. Consider the data presented above as a jumping-off point. Just because Farmers and Allstate were the cheapest for our user profile doesn't mean they will be for you. Compare as many car insurance companies as possible when getting quotes for your SUV. Our car insurance calculator allows you to apply your profile to the companies analyzed above.





Additional information


Didn't get your questions answered? See our additional articles here for more ways to save on car insurance:



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Method to our madness: how we do it


Between September and December 2017, The Zebra conducted comprehensive auto insurance pricing analysis using its proprietary quote engine, comprising data from insurance rating platforms and public rate filings. The Zebra examined nearly 53 million rates to explore trends for specific auto insurance rating factors across all United States zip codes, averaged by state, including Washington, DC.

Analysis used a consistent base profile for the insured driver: a 30-year-old single male driving a 2013 Honda Accord EX with a good driving history and coverage limits of $50,000 bodily injury liability per person/$100,000 bodily injury liability per accident/$50,000 property damage liability per accident with a $500 deductible for comprehensive and collision. For coverage level data, optional coverage (that must be rejected in writing) is included where applicable, including uninsured motorist coverage and personal injury protection.

National property and casualty losses information is from the Insurance Information Institute and the NOAA National Centers for Environmental Information U.S. Billion-Dollar Weather and Climate Disasters report.

For vehicle make and model data, analysis referenced the most popular vehicles in the U.S. by 2016 year-end sales according to Goodcarbadcar.net’s automakers’ data.

Some rate data may vary slightly throughout report based on rounding.