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 a SUV
  1. Cheapest auto insurance companies by SUV-types
  2. Should you 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-VHonda CR-V

 

First, we have a Honda CR-V, with a 2017 list price of $24,045. Of the insurance 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. 

Avoid State Farm if you drive a CR-V — the company's average rate for this SUV is more than $1,300 annually. 

 
ANNUAL HONDA CR-V INSURANCE RATES
CompanyPremium
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

 

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
CompanyPremium
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

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.

The most expensive insurance for a Ford Escape typically comes from State Farm, at $1,378 per year. 

 

ANNUAL FORD ESCAPE INSURANCE PREMIUMS
CompanyPremium
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

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 higher premiums, stay away from Progressive and State Farm.

 

ANNUAL INSURANCE RATES — CHEVROLET EQUINOX
CompanyPremium
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

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.

The most expensive car insurance for a Jeep Wrangler comes from State Farm ($1,374).

 

ANNUAL JEEP WRANGLER INSURANCE COSTS
CompanyPremium
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

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
CompanyPremium
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

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.

The cheapest insurance for the RAV4 is available via Farmers and Allstate. Stay away from State Farm when getting quotes for your RAV4 — average policy costs exceed $1,400 per year through State Farm. 

 

ANNUAL TOYOTA RAV4 INSURANCE PREMIUMS
CompanyPremium
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

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.

The most expensive insurance options for a Nissan Rogue are State Farm and USAA, charging $1,427  and $1,362 per year, respectively. 

 

 

ANNUAL NISSAN ROGUE INSURANCE RATES
CompanyPremium
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

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.

The most budget-friendly insurance company for a Ford Explorer is Allstate, at $1,291. The priciest option is State Farm, at $1,466. 

 

ANNUAL FORD EXPLORER INSURANCE RATES
CompanyPremium
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

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, average Jeep Grand Cherokee insurance costs come out to nearly $1,400 a year, $700 per 6-month policy, or $115 monthly.

The cheapest car insurance for a Jeep Grand Cherokee is available through Farmers ($1,293), while the most expensive option is State Farm ($1,487).

 

ANNUAL JEEP GRAND CHEROKEE INSURANCE RATES
CompanyPremium
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-FAULT CLAIM
Increase at 6 monthsIncrease at 12 monthsIncrease 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.