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Compare SUV insurance
The exact make and model you drive will greatly affect your premiums.
SUVs are continuously one of the most popular vehicle types in the country, but insurance rates for them can widely vary. Compact crossover SUVs have low rates compared to most other body types, but luxury and electric SUVs can have some of the highest rates. To save the most money, you’ll need to tailor your policy to your specific SUV without sacrificing protection.
Get the right car insurance for your SUV
What kind of SUV coverage do I need?
Consider the required coverage you need and what other extras you might want.
- Liability. Liability coverage is required in most states and pays for injuries and property damage that you’re responsible for.
- Underinsured motorist. Often shortened to UM/UIM, this coverage kicks in and helps pay for your own injury expenses if the at-fault person either doesn’t have insurance or doesn’t have enough to fully cover your medical bills. This is required in some states and is a good idea if you have a newer SUV.
- Medical payments or personal injury protection. If you’re driving your children around or frequently have a full car, having higher medical payments coverage can be useful. This pays the medical bills for anyone injured in your SUV, regardless of who caused the accident.
- Collision. Your own SUV is covered by collision if you crash into another vehicle or a solid object, such as a telephone pole or building. You might be required by your lender to have this if you have a car loan.
- Comprehensive. This covers your SUV for almost anything that’s not a collision. This includes fire, theft, hail or wind damage, falling objects and hitting an animal.
What SUV add-on coverage should I consider?
Add-ons can help further protect your ride by extending coverage. SUVs can potentially benefit from the following:
- Trailer or boat coverage. If you’re using your SUV to haul anything, such as a boat or trailer, your liability coverage automatically extends to it while you’re on the road. But if you want it covered for property damage, you’ll still need to insure it separately.
- Roadside assistance. This provides emergency roadside service when you need a tow, a battery jump or help with a flat tire. If you’re taking road trips in your SUV, this could be especially important, though you might already have this under your vehicle’s warranty.
- Full glass coverage. You can get the full claims amount for covered glass repair work without having to pay a deductible when you have full glass coverage. This can be a good option if you have a high comprehensive deductible.
- Rental car reimbursement. If you don’t have access to another vehicle, you might want to add this coverage. It reimburses you a daily amount to rent a car if your SUV is undriveable due to a covered loss.
- Gap coverage. This covers the difference if your claims check doesn’t cover the amount you have remaining on your SUV loan. It can be useful since vehicles typically depreciate faster than loans are paid down.
Do different kinds of SUVs have different insurance requirements?
The type of SUV you have could affect the coverage you’ll need to properly insure it.
- Hybrid SUVs. Hybrids are more expensive to insure than gas-powered SUVs due to more expensive engine parts and higher cost.
- Electric SUVs. Electric SUVs are even more expensive to insure than hybrids, mainly due to the same factors: a high sticker price combined with expensive parts and labor.
- Luxury SUVs. If you have a luxury SUV, you’ll likely want to consider higher liability limits, comprehensive, collision and possibly a few endorsements, such as new car replacement.
- Off-road SUVs. Frequent off-roading won’t necessarily affect your insurance rates, but it could affect the type of coverage you choose. You might consider full glass coverage and roadside assistance, as well as opting for the manufacturer’s warranty, since wear and tear isn’t covered by insurance.
How can I get cheap SUV insurance?
SUV insurance rates are all over the place. Safe and affordable crossover SUVs are usually relatively cheap to insure, while luxury and electric SUVs can be very expensive. Your final insurance premium will also depend on your own rating factors, such as your age, location and driving history.
- Buy an SUV with strong safety ratings. Most SUVs are reasonably safe, but some earn very high safety ratings from the Insurance Institute for Highway Safety and the National Highway Traffic Safety Administration. Strong safety marks can help keep the SUV’s rates low and can even earn you a safe car discount.
- Take a defensive driver course. This is an easy-to-get discount almost anyone can receive, as long as your insurance company offers it. You’ll typically save 10%, and it can help teach and reinforce safe driving habits.
- Enroll in telematics. If your SUV is more for occasional off-roading or rare big trips with the whole family, consider a mileage-based or telematics discount. You could save 20% for low-mileage cars or more for tracking your safe driving.
- Maximize your discounts. If you have more than one vehicle in your household, like an SUV for family road trips and a sedan for daily commuting, insure them all with the same company to get a multivehicle discount. Combining your home and auto insurance and going paperless are also easy ways to save.
What should I watch out for?
Insuring your SUV properly means knowing which coverage you need and making sure you don’t have any gaps in coverage.
- Low liability limits. There are better ways to lower your premium than by lowering your liability limits. If you’re responsible for an accident and don’t have high enough limits, you’ll be on the hook for potentially tens or hundreds of thousands of dollars.
- Depreciation. A new SUV will probably depreciate in value quickly, which could lead to a lower claims check than you want. You might want to consider new car replacement and gap coverage.
- Wear and tear. Wear and tear isn’t covered by an auto insurance policy, regardless of which company issues it. This includes things such as worn down tires or poor maintenance, which can lead to an accident.
SUVs include a wide variety of makes and models, with some being cheaper to insure than others. Endorsements can help round out your coverage regardless of type and make sure your SUV is fully protected.
If you want to explore other insurance options, compare different insurance companies to find one that has a policy best suited to you.
Frequently asked questions about SUV insurance
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