Cheap Car Insurance for SUVs in 2024 (Earn Savings With These 10 Companies!)
Progressive, USAA, and AAA are the top picks for cheap car insurance for SUVs. Progressive's minimum coverage is an average of $175/mo. SUVs usually have higher auto insurance rates because they cost more to replace or repair, so choosing a cheaper SUV model will result in lower SUV insurance rates.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
UPDATED: May 28, 2024
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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: May 28, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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13,128 reviewsCompany Facts
Min. Coverage for SUVs
A.M. Best Rating
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13,128 reviews
6,435 reviewsCompany Facts
Min. Coverage for SUVs
A.M. Best Rating
Complaint Level
6,435 reviews
2,934 reviewsCompany Facts
Min. Coverage for SUVs
A.M. Best Rating
Complaint Level
2,934 reviewsThe 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
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $175 | A+ | Strong Discounts | Progressive |
 | #2 | $180 | A++ | Exceptional Service | USAA |
 | #3 | $182 | A | Roadside Assistance | AAA |
 | #4 | $184 | A+ | Accident Forgiveness | Nationwide |
 | #5 | $185 | A++ | Personalized Support | State Farm |
 | #6 | $188 | A | Loyalty Discounts | American Family |
 | #7 | $190 | A+ | Comprehensive Coverage | Allstate |
 | #8 | $195 | A | Policy Savings | Farmers |
 | #9 | $197 | A++ | Claims Handling | Travelers |
 | #10 | $200 | A | Customizable Policies | Liberty Mutual |
Ready to start shopping for SUV car insurance quotes? Enter your ZIP code above to get free SUV auto insurance rates in your area.
- Progressive has the cheapest SUV car insurance
- USAA and AAA also have affordable SUV car insurance
- SUV insurance costs tend to be higher than car insurance costs
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#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.
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#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.
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#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.
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#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.
SUVs are more expensive to purchase than the average car, which drives up the cost of auto insurance for SUVs because claims for repairs or total losses will be expensive.
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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
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| AAA | $182 | $200 |
| Allstate | $190 | $213 |
| American Family | $188 | $210 |
| Farmers | $195 | $215 |
| Liberty Mutual | $200 | $225 |
| Nationwide | $184 | $205 |
| Progressive | $175 | $190 |
| State Farm | $185 | $207 |
| Travelers | $197 | $218 |
| USAA | $180 | $195 |
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
| Popular SUVs | Minimum Coverage | Full Coverage |
|---|---|---|
| Bentley Bentayga | $301 | $3,612 |
| Dodge Journey | $115 | $1,384 |
| Ford Explorer | $109 | $1,308 |
| GMC Yukon | $125 | $1,500 |
| Honda CR-V | $95 | $1,140 |
| Jeep Grand Cherokee | $118 | $1,414 |
| Land Rover Range Rover | $156 | $1,872 |
| Mercedes-Benz G-Class | $220 | $2,640 |
| Nissan Rogue | $118 | $1,412 |
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
| SUVs | MSRP |
|---|---|
| 2024 Dodge Journey | $30,595 |
| 2024 Honda CR-V | $29,500 |
| 2024 Nissan Rogue | $28,695 |
| 2024 Jeep Grand Cherokee | $36,495 |
| 2024 Ford Explorer | $36,760 |
| 2024 GMC Yukon | $59,295 |
| 2024 Land Rover Range Rover | $106,900 |
| 2024 Mercedes-Benz G-Class | $143,900 |
| 2024 Bentley Bentayga | $209,000 |
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.
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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.
Frequently Asked Questions
How much does it cost to insure an SUV?
The average cost of SUV insurance is $195 per month or $2,340 per year. However, the answer to the question depends on many factors. Most have to do with the type of driver and the type of SUV. Car insurance rates across the U.S. can vary greatly, so you’ll want to be sure to compare quotes in your area.
Is it cheaper to insure a car or an SUV?
SUV insurance is generally more expensive than car insurance due to the size and value of the vehicle.
Are SUVs more expensive to insure?
Luxury SUVs tend to have higher insurance rates, while some SUVs, like the Honda CR-V, can have more affordable insurance.
What factors affect SUV insurance rates?
Factors such as the vehicle’s value, safety features, and theft risk can impact SUV insurance costs. For example, an SUV with great safety ratings could lower rates due to safety features car insurance discounts.
Are SUVs safer than other cars?
While SUVs can provide more protection due to their size and weight, it’s important to consider crash test ratings and safety features.
What are some of the factors that affect drivers of sport utility vehicles?
One of the main factors that come into play regarding SUV insurance is vehicles are at risk of inflicting a large amount of damage to another car or the other driver and passengers.
Today’s luxury sport utility vehicles, such as the Cadillac Escalade, can be costly to insure because of the cost to repair the car, as well as the high risk of the SUV being stolen. According to CBS News, the Escalade is the number one most stolen vehicle.
The average loss claim involving a Cadillac Escalade is more than seven times higher than the average SUV. Many of the insurance claims involving an Escalade can exceed $40,000. It is one of the most expensive SUVs to insure (read more: Compare Cadillac Car Insurance Rates).
What are the most affordable sport utility vehicles as far as insurance costs?
What SUV has the cheapest insurance? While many SUVs are highly desirable by thieves, two SUVs are on the top 10 list of the least-stolen vehicles. Those are the four-wheel-drive Saturn VUE and the Chevy Aveo.
Are today’s sport utility vehicles safer than previous models?
Generally speaking, today’s sport utility vehicles are even safer than the first models because of ever-changing technology. Size is still important when looking at the SUV’s safety, but today’s models have additional safety features such as electronic stability control or ESC. ESC makes cars easier to drive and generally safer.
Instead of being built on large truck frames, sport utility vehicles are now being built on car frames, making the vehicles easier to maneuver. The transition that SUV makers have made over the past several years has been making the vehicles more like cars than pickup trucks (read more: Cheap Car Insurance for Pickup Trucks).
Is insurance cheaper on a car or SUV?
It depends on what model of SUV or car you own, but generally, rates are cheaper on cars. If you want to find out exactly how much does car insurance cost compared to SUVs, get quotes for your desired models. You can compare rates today with our free tool.
Who has the cheapest SUV car insurance rates?
Progressive has the cheapest SUV rates on average.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
