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How to save on insurance for an SUV

After you’ve found the sport utility vehicle of your dreams, it's time to insure it. 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. 

 

Auto insurance for an SUV — table of contents:
  1. Cheap insurance companies by make and model
  2. Should you buy SUV-specific insurance?
  3. How to save
  4. Additional resources

 


 

What's the cheapest SUV to insure?

 

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 and your new car.

 


 

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Honda CR-V

First, we have a Honda CR-V, with a 2020 list price of $25,050. 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 second cheapest SUV to insure.

Avoid Allstate if you drive a CR-V — the company's average rate for this SUV is more than $2,000 annually.

ANNUAL HONDA CR-V INSURANCE RATES
CompanyAnnual PremiumMonthly Premium
Allstate$2,089$174
Farmers$1,767$147
GEICO$1,084$90
Liberty Mutual$1,979$164
Nationwide$962$80
Progressive$1,371$114
State Farm$1,269$105
USAA$1,153$96

 

 

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Jeep Cherokee

Next up, the Jeep Cherokee. On average, a Cherokee costs about $1,550 a year to insure and has an MSRP of $32,045, making it one of the more expensive SUVs to insure.

As with the Honda CR-V, USAA and Nationwide are the cheapest insurance options for the Cherokee.

ANNUAL JEEP CHEROKEE INSURANCE COST
CompanyAnnual PremiumMonthly Premium
Allstate$2,246$187
Farmers$1,945$162
GEICO$1,241$103
Liberty Mutual$1,846$153
Nationwide$1,072$89
Progressive$1,419$118
State Farm$1,515$126
USAA$1,118$93

 

 

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Ford Escape

With a list price of $24,885 and an average monthly premium of $120, the Ford Escape is the third least-expensive SUV to buy but the cheapest to insure.

GEICO and Nationwide are the best companies to start looking for cheap Ford Escape insurance.

The most expensive insurance for a Ford Escape typically comes from Allstate, with an average cost of over $2,000 per year.

ANNUAL FORD ESCAPE INSURANCE PREMIUMS
CompanyAnnual PremiumMonthly Premium
Allstate$2,043$170
Farmers$1,613$134
GEICO$1,139$94
Liberty Mutual$1,928$160
Nationwide$1,020$85
Progressive$1,299$108
State Farm$1,326$110
USAA$1,187$98

 

 

2018_Chevrolet_Equinox_nowatermark.png

 

Chevy Equinox

Owning a 2020 Chevy Equinox will set you back about $1,524 a year in insurance costs, in addition to a sticker price of about $23,800 — the cheapest SUV out of all SUVs surveyed, but middle-of-the-road in terms of the cost to insure.

To avoid paying higher car insurance premiums on the Equinox, stay away from Farmers and Allstate.

ANNUAL INSURANCE RATES — CHEVROLET EQUINOX
CompanyAnnual PremiumMonthly Premium
Allstate$2,165$180
Farmers$1,931$160
GEICO$1,254$104
Liberty Mutual$1,697$141
Nationwide$1,088$90
Progressive$1,389$115
State Farm$1,403$116
USAA$1,264$105

 

 

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Jeep Wrangler

The Jeep Wrangler is near the middle of the pack in terms of insurance costs and list price ($28,295).

On average, insurance costs for this SUV will run you about $752 every six months (a standard policy period), or about $125 a month. USAA and Nationwide again offer the cheapest auto insurance rates for the Jeep Wrangler, with average premiums of $100 a month.

The most expensive car insurance for a Jeep Wrangler again comes from Allstate at over $2,000 a year.

ANNUAL JEEP WRANGLER INSURANCE COSTS
CompanyAnnual PremiumMonthly Premium
Allstate$2,167$180
Farmers$1,754$146
GEICO$1,191$99
Liberty Mutual$1,832$152
Nationwide$1,171$97
Progressive$1,333$111
State Farm$1,435$119
USAA$1,151$95

 

 

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Subaru Forester

The Subaru Forester — with a list price of $24,495 — is the second cheapest SUV to buy and has a similar level of insurance costs as the Jeep Wrangler.

GEICO and Nationwide offer the cheapest rates for this model, given our user profile.

On average, owning a Forester will cost $1,514 a year — or $757 per six-month policy period — to insure.

ANNUAL SUBARU FORESTER INSURANCE RATES
CompanyAnnual PremiumMonthly Premium
Allstate$1,903$158
Farmers$2,013$167
GEICO$1,103$91
Liberty Mutual$1,916$159
Nationwide$1,039$86
Progressive$1,482$123
State Farm$1,338$111
USAA$1,317$109

 

 

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Toyota RAV4

The Toyota RAV4 is slightly on the expensive end to insure, compared to the other SUVs surveyed.

In addition to its $25,950 list price, the RAV4 carries an average monthly auto insurance premium of $129 — $774 for a six-month policy or an annual cost of $1,548.

The cheapest insurance for the RAV4 is available via Nationwide and USAA. Avoid Allstate and Liberty Mutual when getting insurance quotes for your RAV4 — average policy costs through these companies are pricey, starting at over $1,900 a year.

ANNUAL TOYOTA RAV4 INSURANCE PREMIUMS
CompanyAnnual PremiumMonthly Premium
Allstate$2,067$172
Farmers$1,957$163
GEICO$1,211$100
Liberty Mutual$1,968$164
Nationwide$1,129$94
Progressive$1,520$126
State Farm$1,400$116
USAA$1,133$94

 

 

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Nissan Rogue

Nationwide and USAA offer the cheapest car insurance for a Nissan Rogue, according to our survey.

In addition to its list price of $25,300, owning a Nissan Rogue will set you back $1,552 annually, $776 for a 6-month policy period, or $129 per month. It is the second most expensive SUV to insure.

The most costly insurance option for a Nissan Rogue is Allstate, charging over $2,200 a year.

ANNUAL NISSAN ROGUE INSURANCE RATES
CompanyAnnual PremiumMonthly Premium
Allstate$2,209$184
Farmers$1,940$161
GEICO$1,237$103
Liberty Mutual$1,932$161
Nationwide$1,130$94
Progressive$1,436$119
State Farm$1,384$115
USAA$1,151$95

 

 

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Ford Explorer

The Ford Explorer, the most expensive SUV included in our survey, is also the most costly SUV to insure.

In addition to its 2020 list price of $32,765, average insurance costs for a Ford Explorer total about $1,589 annually.

The most budget-friendly insurance company for a Ford Explorer is Nationwide, at $1,081 a year. The priciest option is Allstate, at over $2,100.

ANNUAL FORD EXPLORER INSURANCE RATES
CompanyAnnual PremiumMonthly Premium
Allstate$2,140$178
Farmers$1,783$148
GEICO$1,401$116
Liberty Mutual$2,013$167
Nationwide$1,081$90
Progressive$1,580$131
State Farm$1,428$119
USAA$1,283$106

 

 

2018_Jeep_Grand_Cherokee_nowatermark.png

Jeep Grand Cherokee

Last but not least, the Jeep Grand Cherokee is the second most expensive SUV to buy but its insurance costs sit in the middle out of all SUVs surveyed.

With a list price of $32,045 for a 2020 model, average Jeep Grand Cherokee insurance costs come out to $1,538 a year, $769 per 6-month policy, or $128 monthly.

The cheapest car insurance for a Jeep Grand Cherokee is available through Nationwide ($85 per month), while the most expensive option is Allstate ($175 per month).

ANNUAL JEEP GRAND CHEROKEE INSURANCE RATES
CompanyAnnual PremiumMonthly Premium
Allstate$2,109$175
Farmers$1,858$154
GEICO$1,342$111
Liberty Mutual$1,930$160
Nationwide$1,022$85
Progressive$1,477$123
State Farm$1,372$114
USAA$1,194$99

 

Don't see your SUV listed above? Enter your ZIP code below to compare quotes and save money on your next insurance premium!

 

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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 insurance for an SUV

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 first. 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 variation 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 $2,300.

 

AVERAGE INCREASE AFTER AT-FAULT CLAIM
Increase at 6 monthsIncrease at 12 monthsIncrease at 3 Years
+$384+$767+$2,301

 

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. 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
  • Student discount
  • Telematics

 

Shop around and compare insurance rates

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 USAA and Nationwide were the cheapest for our user profile doesn't mean they will be for you. Compare as many insurance companies as possible when getting car insurance quotes for your SUV.

 

Compare rates and save on your next policy.

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Additional information and related content

Didn't find the answers to your questions? See our additional articles for more ways to save on car insurance:

 


 

Methodology

The Zebra conducted a 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.

The 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.

Some rate data may vary slightly throughout report based on rounding. Learn more about our methodology.

Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.