Cheap Car Insurance for SUVs in 2025 (Earn Savings With These 10 Companies!)

The top picks for cheap car insurance for SUVs are Progressive, USAA, and AAA.

 

SUV car insurance can be affordable if the vehicle has a cheaper than average value. The average SUV insurance cost is about $2,300 per year, but car insurance rates can change under the right circumstances., such as shopping at cheap car insurance companies for SUVs.

Our Top 10 Company Picks: Cheap Car Insurance for SUVs

Ready to start shopping for SUV car insurance quotes? Enter your ZIP code above to get free SUV auto insurance rates in your area.

#1 – Progressive: Top Pick Overall

Pros

• Strong Discounts: Progressive offers some large discounts. Learn more in our Progressive review.
• Online Tools: Take advantage of tools like Progressive’s free budgeting tool.
• Coverage Variety: Get specialty coverages for your SUV, like custom parts insurance.

Cons

• UBI Rate Increases: The downside to Progressive’s large good driver discount program is that bad drivers may have their rates increased.
• Customer Claims: Progressive doesn’t have high ratings for claim satisfaction from all customers.

#2 – USAA: Best for Exceptional Service

Pros

• Exceptional Service: Learn about USAA’s exceptional ratings for customer service in our USAA review.
• Roadside Assistance: 24/7 help for your SUV if you break down on the road.
• Multi-Policy Discount: Add home insurance to your USAA purchases for a discount.

Cons

• Eligibility: USAA is limited to military and veterans.
• Local Agent Support: Physical locations are limited, so most customer service is conducted online.

#3 – AAA: Best for Roadside Assistance

Pros

• Roadside Assistance: AAA auto insurance comes with your choice of a roadside assistance plan.
• Local Support: There are multiple AAA offices across the U.S. Learn more about customer service in our AAA insurance review.
• Multi-Policy Discount: AAA also sells home insurance to customers.

Cons

• Additional Fees: You must pay an annual membership fee for auto insurance.
• Coverage Availability: Some states may not carry as many add-on coverage options for SUVs.

#4 – Nationwide: Best for Accident Forgiveness

Pros

• Accident Forgiveness: Some SUV owners may not be penalized for their first accident at Nationwide.
• Multiple Discounts: Read our article on Nationwide discounts to see the full list of great options Nationwide offers.
• Deductible Reduction: Staying claims-free pays off with reductions in deductible amounts.

Cons

• Availability: A few states don’t sell insurance from Nationwide.
• High-Risk Rates: SUV owners with DUIs will have higher rates than the average.

#5 – State Farm: Best for Personalized Support

Pros

• Personalized Support: State Farm offers great personalized support for SUV owners. Learn more in our State Farm car insurance review.
• Financial Reputation: SUV insurance policies will be financially backed by a highly-rated company.
• Roadside Assistance: Round out your SUV policy with roadside assistance.

Cons

• Credit Scores: State Farm does use credit scores as a rate factor in some states.
• Accident Forgiveness: It is harder to get accident forgiveness at State Farm than at other companies.

#6 – American Family: Best for Loyalty Discounts

Pros

• Loyalty Discounts: Keeping your SUV insurance at American Family will pay off with a discount.
• Teen Driver Discounts: American Family offers opportunities for young drivers to save on family SUV insurance rates.
• Roadside Assistance: Add to your car insurance SUV policy. Read more in our American Family review.

Cons

• Availability: Coverage may not be available to purchase in your state.
• High-Risk Rates: If you’re a high-risk driver, check the competitiveness of American Family’s rates against other companies.

#7 – Allstate: Best for Comprehensive Coverage

Pros

• Comprehensive Coverage: Great to protect your SUV from animal collisions, weather, and other incidents.
• Pay-Per-Mile Insurance: You may want to switch to pay-per-mile coverage if you rarely drive your SUV.
• Good Driver Discount: Good drivers will have the best rates on SUV auto insurance. Learn more in our Allstate review.

Cons

• Young Driver Rates: Allstate is one of the more expensive companies on average for teens.
• Customer Complaints: There is a slightly higher number of complaints against Allstate than most companies’ averages.

#8 – Farmers: Best for Policy Savings

Pros

• Policy Savings: Learn about Farmers’ saving opportunities in our Farmers review.
• On Your Side Review: This is an annual review where an agent helps you with your coverage and rates.
• Roadside Assistance: Add to your SUV insurance policy for towing and repair assistance.

Cons

• Claim Reviews: Farmers isn’t the highest-rated company for customer claim satisfaction.
• Online Tools: Some tasks online will be limited, and you will have to contact an agent for assistance.

#9 – Travelers: Best for Claims Handling

Pros

• Claims Handling: You can file claims online and check your claim status online.
• Multi-Policy Discount: Buy products like home insurance for a discount.
• Flexible Deductibles: Adjust your SUV rates with flexible deductible options. Learn more in our review of Travelers.

Cons

• Young Driver Rates: Travelers is one of the more expensive options for teens.
• UBI Rate Increases: The downside to Travelers’ good driver discount program is rate increases for poor performances.

#10 – Liberty Mutual: Best for Customizable Policies

Pros

• Customizable Policies: Learn how you can customize your policy with coverages and discounts in our Liberty Mutual review.
• 24/7 Support: Get help with whatever you need on your SUV policy.
• Military Discount: Service members can save on their SUV insurance.

Cons

• High-Risk Rates: Rates aren’t great for customers with multiple violations on their driving records.
• Claim Reviews: Liberty Mutual isn’t the highest-rated company for claims processing.

Average Insurance Rates for SUVs

The average SUV car insurance cost is $195 per month or $2,340 per year. SUV car insurance is more expensive to insure because of the size and value of the vehicle.

Below, you can see the average SUV rates at the cheapest companies for the best minimum and best full coverage car insurance policies.

Car Insurance Monthly Rates for SUVs by Coverage Level & Provider

SUVs are much bigger than cars or Sedans. Pickup trucks are the only passenger vehicles that rival them in size and weight. Some large sedans (cars) can match the weight of compact SUVs.

How to Save on SUV Car Insurance Rates 

How much is car insurance for an SUV? Although the best SUVs can be expensive to insure, you may find affordable insurance rates depending on the vehicle and the company.

The most expensive SUV to insure is a luxury SUV. SUVs like Bentley Bentayga, Mercedes-Benz G-Class, and Land Rover Range Rover have some of the most expensive car insurance rates.

Land Rover car insurance rates tend to be higher than those for other vehicle brands due to the luxury and higher repair costs associated with Land Rover vehicles.

Some SUVs have cost-efficient car insurance, however, such as the Honda CR-V. Get quotes from the cheapest companies like Progressive to save even more.

Let’s examine the average SUV insurance rates of different vehicles to see the SUVs with the lowest insurance rates.

SUV Car Insurance Monthly Rates of the Top SUVs by Coverage Level

The Honda CR-V and Ford Explorer are the cheapest SUVs to insure, while the Bentley Bentayga and Mercedes-Benz G-Class are the most expensive. Bentley and Mercedes are luxury brands and generally cost more (read more: Best Bentley Car Insurance Rates).

In addition to shopping for the cheapest SUV models, you should also look for discounts at the cheapest companies to reduce rates on the cheapest SUV to insure even further.

Applying for discounts will help you get more affordable SUV auto insurance.

SUV Purchase Cost 

We can find the value or cost, of an SUV by looking at the Manufacturer Suggested Retail Price (MSRP)

MSRP is the price the manufacturer recommends for a new car of that vehicle model and model year.

Dealers use the MSRP to set prices. Let’s look at the MSRP of popular SUVs that we reviewed in the last section.

MSRP of Popular SUVs

Read more: Best Dodge Car Insurance Rates

MSRP of Popular SUVs

Despite having the lowest MSRP, the Dodge Journey has a cheaper MSRP but higher insurance than the Ford Explorer. The higher the value of the SUV, the more you’ll pay for auto insurance. Shop around with different insurance companies to see which SUV and crossover car insurance policies work better for your finances.

Read more: Best Jeep Car Insurance Rates

Enter your ZIP code to compare affordable SUV car insurance quotes in your area.

SUV Safety Ratings 

Are SUVs safer than other cars? While sport utility vehicles are costlier to insure, over the last several years, there have been major improvements made that will, over time, help to reduce the cost of insuring an SUV. SUVs are among the safest vehicles.

 

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When SUVs were first introduced in the 1990s and grew in popularity through the mid-2000s, people who owned them thought they were the safest vehicles on the road. Most were the most massive vehicles on the road, and the four-wheel-drive capability made owners feel very secure when driving, even during poor weather.

Most people assume that SUVs are safer than traditional cars, vans, and station wagons because of the perception that an SUV will do better in a crash.

Read more: Cheap Car Insurance for Station Wagons

While an SUV’s size and weight may help protect the driver and the passengers, it is still essential to look at crash test ratings of sport utility vehicles rather than assuming that it is the safest vehicle.

Here are some things to consider when driving an SUV:

• Center of Gravity: Because of its high center of gravity, an SUV is more prone to a rollover accident than a car or even a pickup truck.
• The Way You Drive: No matter what type of car or truck you are driving, the most important safety factor has always been and will continue to be the driver. When driving a sport utility vehicle, drivers must be attentive to their surroundings.
• Size of Vehicle: SUVs are generally bigger and taller than other cars on the road, so drivers must be cautious when making turns and driving in heavy traffic or parking lots.
• Stop-Time: Most sport utility vehicles are much heavier than the average car, so it takes more time to stop an SUV.
• Blind Spots: Sport utility vehicles have traditionally had many more blind spots than cars, so the driver must be especially aware when doing things like changing lanes.

If you want to find cheap SUV car insurance rates, enter your ZIP code using the free online tool. Another important factor to consider when looking to purchase a sport utility vehicle is the standard safety features.

Airbags around the entire vehicle, anti-theft devices with a stolen car tracking system, and VIN etching car insurance discounts will help reduce the insurance premium’s overall cost.

The Final Word on Cheap SUV Car Insurance

SUV car insurance is expensive, which is why it’s important to learn about the different ways to lower the cost of your insurance. From choosing an affordable SUV model to practicing good driving habits, it is possible to get affordable SUV insurance.

Use our free tool to compare rates if you are ready to shop for affordable SUV insurance quotes today.