SUV Insurance
Insurance for sport utility vehicles and crossovers.
Typical cost: $1,200 – $2,800 per year
SUV Insurance
SUV insurance rates vary widely based on the vehicle class—compact crossovers are often affordable to insure, while full-size luxury SUVs have higher premiums. Safety ratings, repair costs, and theft rates all influence what you'll pay.
Factors Affecting Rates
Larger SUVs cost more to repair and can cause more damage in accidents, affecting liability premiums. However, many modern SUVs have excellent safety features and crash ratings that help offset these factors. Luxury SUVs and high-theft models cost the most to insure.
Coverage Recommendations
Given the higher value of most SUVs, comprehensive and collision coverage is important. Consider higher liability limits as SUVs can cause significant damage. Gap insurance is worth considering for financed SUVs that depreciate quickly.
What's covered
Liability Coverage
Covers injuries and damage you cause—consider higher limits for SUVs.
Collision Coverage
Pays to repair your SUV after collisions with vehicles or objects.
Comprehensive Coverage
Protects against theft, weather, vandalism, and animal strikes.
Gap Insurance
Covers the loan balance if your SUV is totaled while upside down.
Roadside Assistance
Towing and emergency services for your SUV.
Tips
- • Choose SUVs with high safety ratings for lower premiums
- • Consider a compact crossover for lower insurance costs
- • Anti-theft devices reduce comprehensive premiums
- • Higher liability limits recommended due to vehicle size
- • Shop around—SUV rates vary significantly by insurer
Other auto insurance types
Sedan Insurance
Coverage options for standard passenger sedans.
Truck Insurance
Coverage for pickup trucks and personal-use trucks.
Electric Vehicle Insurance
Specialized coverage for EVs including battery protection.
Classic Car Insurance
Agreed-value coverage for vintage and collector vehicles.
Teen Driver Insurance
Coverage options and savings tips for young drivers.
Rideshare Insurance
Gap coverage for Uber, Lyft, and other rideshare drivers.
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