The Cheapest SUV Insurance Companies of 2026
With an average premium of just $74 per month, USAA has the lowest rates for SUVs.
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Written byKat Tretina
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Kat TretinaInsurance Writer
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Edited byKatie Powers
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Katie PowersLicensed P&C Agent and Insurance Editor
Licensed auto and home insurance agent
4+ years of experience in insurance and personal finance editing
NPN: 20564519
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Reviewed byJohn Leach
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John LeachLicensed P&C Insurance Agent and Expert Reviewer
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Updated
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SUVs are the most popular vehicle type in the country, likely thanks to their functionality and style. In fact, SUVs accounted for nearly 64% of all new cars financed during Q3 of 2025, according to Experian data.[1]
SUV drivers pay $160 per month for coverage, which is slightly less than the industry average of $166 per month for all vehicles. How much you pay to insure an SUV depends on several factors, including the make and model of the vehicle, your driving record, your location, and your insurer.
In this article, we’ll cover what you need to know about finding cheap car insurance for your SUV.
Key Takeaways
USAA, State Farm, and Erie Insurance are among the cheapest insurers for SUVs.
SUV drivers pay an average of $112 per month for liability-only coverage and $208 per month for full coverage, according to Compare.com data.
The Honda CR-V is the cheapest SUV to insure, with an average monthly premium of $122, per our data.
The Cheapest SUV Insurance Companies
Rates for SUV insurance can vary significantly by company. Each insurer has its own formulas for determining premiums, so you could potentially save hundreds by shopping around and switching insurers.
The table below shows the average auto insurance rates from some of the cheapest auto insurers in the U.S., according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| USAA | $74 |
| State Farm | $79 |
| Erie | $96 |
| Allstate | $105 |
| Safeco | $109 |
| GEICO | $112 |
| American Family | $113 |
| Root | $117 |
| Direct Auto | $121 |
| Mercury | $124 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .
USAA and State Farm are the two cheapest auto insurers for SUV drivers, with average monthly premiums of $74 and $79, respectively. Erie follows closely behind, at $96 per month. Of the cheapest insurers provided above, Mercury is the most expensive, with an average monthly premium of $124.
Keep in mind that rates vary by company, depending on each insurer’s premium calculation and risk tolerance. The specific quote you may receive from a particular insurer may look different depending on factors like your driving record, credit history, age, and more.
How Much Does SUV Insurance Cost?
On average, SUV drivers pay $112 per month for liability-only policies and $208 per month for full coverage, according to Compare.com data.
Several factors can affect your car insurance rates, including your age, location, driving history, credit history, chosen coverage, and deductible amount.[2] Your vehicle make, model, and year also play a significant role in determining your insurance rates. Some models can even cost hundreds more to insure per year.
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Average Costs to Insure Popular SUVs
The cost of insuring your SUV depends on several factors, including its make, model, year, and trim level. Your insurer will consider the type of vehicle you drive when determining your insurance rate.
In the table below you can compare average monthly premiums for some of the most popular SUVs, according to Compare.com data.
SUV Model | Average Monthly Premium | Cheapest Insurer | Cheapest Monthly Premium |
|---|---|---|---|
| Toyota RAV4 | $139 | State Farm | $78 |
| Honda CR-V | $122 | State Farm | $72 |
| Chevy Equinox | $138 | State Farm | $78 |
| Chevy Trax | $147 | State Farm | $84 |
| Hyundai Tucson | $147 | State Farm | $84 |
| Nissan Rogue | $151 | State Farm | $86 |
| Ford Explorer | $140 | State Farm | $79 |
| Jeep Grand Cherokee | $151 | State Farm | $86 |
| Subaru Crosstrek | $129 | State Farm | $76 |
| Kia Sportage | $144 | State Farm | $83 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .
The Honda CR-V is typically the cheapest SUV to insure. On average, CR-V drivers pay $122 per month, which is about 24% less than the average for all SUVs. Insuring this vehicle tends to be relatively inexpensive due to its low manufacturer’s suggested retail price (MSRP) and excellent safety ratings.[3]
By contrast, the Nissan Rogue is one of the most expensive SUVs to insure, with an average monthly premium of $151. That may be surprising, considering that the Nissan Rogue is a relatively affordable vehicle with a starting MSRP of just $29,090.[4]
That said, the Nissan Rogue has become a common target for thieves due to key-fob issues in recent years, which increases the risk of costly insurance claims.[5]
Rates and coverage choices can vary by insurer, so shopping around and comparing quotes from leading insurers is key.
The Best SUV Insurance Companies
SUVs are hugely popular vehicles that dominate the car market right now. If you’re shopping for a new SUV or need to insure an existing vehicle, here are some of the best car insurance companies for SUVs based on coverage offerings, average rates, and customer service.
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $54/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $109/mo |
3.9
A solid optionBased on 799 verified guest reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 4.2 | 2.9 |
| Policy transparency | 4.3 | 3.1 |
| Value | 4.1 | 2.9 |
How drivers feel about State Farm
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
AI-generated from the text of verified reviews collected by Compare.com
Showing recent national reviewsSee all 323 State Farm reviews
Verified Review
Reviewed in Nebraska on April 21, 2026
Don't fall for the sell of roadside assistance with State Farm. I haven't had a claim of any kind in 15 years. I just switched to State Farm because of a good quote, and I was paying entirely too much through AAA; Travelers. There was no reason for those rates to be near $200 per month. Clean record, older working woman, professional. No drinking, drugs, partying. Not even a pet. Been with AAA for 35 years—time to switch. So, offered a good rate, but after the starter went out in my car during the most brutal 20 below zero wind chills, I was hit with a nonrenewal. They say it's because it looks as if I will be using the insurance. I actually took the car right away to replace the starter and did further preventative maintenance just before I received the letter. It appears all this profiling is allowing insurers to sort anyone with any kind of risk. Why buy it? Let us get back to putting that money in our own accounts, so we can pay when we need it. We've been taken advantage of.
Verified Review
Reviewed in Maryland on April 19, 2026
Initially, they offered good value and service, but they spend money on high-profile athletes (out of our pockets). They have interns who know little about handling complex matters. After 50 years of faithful payments, one overlooked option was not explained to a young driver, who will now end up footing the bill for an accident that State Farm should have at least split the repair cost. I could not, in good conscience, recommend them.
Verified Review
Reviewed in Oregon on April 13, 2026
Very expensive compared to other companies.
…
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm is one of the cheapest insurers for SUVs, according to Compare.com. You can also use its lengthy list of discount programs to reduce your premiums. Through State Farm, you can lower your car insurance costs by up to 30% by signing up for the Drive Safe & Save program.
You can also qualify for discounts by completing a defensive driving course, bundling your car insurance with your home insurance or renters insurance, or remaining claims-free.
State Farm has a strong reputation for customer service and an extensive network of insurance agents. If you need help choosing coverage or have questions about a car insurance policy, it’s easy to find a State Farm agent in your area who can assist you.
Pros
Relatively cheap rates and multiple discounts
Large agent network
Better-than-average claims satisfaction ranking[6]
Cons
Coverage not available in Rhode Island or Massachusetts
Doesn’t sell gap insurance
Higher rates for drivers with issues on their records
| User Reviews | 3.5 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $74/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $149/mo |
3.5
A solid optionBased on 470 verified guest reviews and ratings
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 4.2 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 4.3 | 2.9 |
| Policy transparency | 4.1 | 3.1 |
| Value | 3.9 | 2.9 |
How drivers feel about Allstate
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
AI-generated from the text of verified reviews collected by Compare.com
Showing recent national reviewsSee all 180 Allstate reviews
Verified Review
Reviewed in North Carolina on April 20, 2026
Quick response to claims inquiry. Premium creep is fast and furious.
Verified Review
Reviewed in Maryland on April 10, 2026
I've been with Allstate since I was 17. I am now 79 and have both auto and home insurance with them. I have never caused an accident. I have only made one claim when a deer ran into the side of my car and dented it. They charge me about $1600 every 6 months for auto and over $1,000 a year for homeowners. That's much too high.
Verified Review
Reviewed in Texas on April 8, 2026
I am not getting a fair deal financially with Allstate for both car and house insurance.
…
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
636NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-Why we picked this company
Auto owners purchase the majority of new cars with financing, such as auto loans, according to Experian data.[1] If you have a new SUV, Allstate can help you protect your vehicle. Allstate sells gap insurance, which pays the difference between the vehicle’s value and your outstanding loan or lease balance if you total your vehicle or if it’s stolen.
Allstate also offers both pay-per-mile and telematics insurance programs, so drivers who practice safe driving habits or drive fewer-than-average miles can potentially save money.
Pros
Sells gap insurance
Vehicle protection plans are available for newer SUVs
Pay-per-mile and usage-based coverage available
Cons
Poor reviews on Trustpilot
Below-average rating in the J.D. Power Auto Claims Satisfaction Study[6]
Fewer discounts available than some competitors
| User Reviews | 3.4 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $92/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $157/mo |
3.4
A solid optionBased on 37 verified guest reviews and ratings
Root Insurance's score | Industry average | |
|---|---|---|
| Coverage options | 3.1 | 3.2 |
| Customer service | 3.0 | 3.6 |
| Discounts | 2.6 | 2.9 |
| Policy transparency | 3.0 | 3.1 |
| Value | 3.0 | 2.9 |
How drivers feel about Root Insurance
Drivers appreciate the quick claim handling and good service but dislike the high rates and lack of pricing transparency.
AI-generated from the text of verified reviews collected by Compare.com
Showing recent national reviewsSee all 21 Root Insurance reviews
Verified Review
Reviewed in Georgia on October 28, 2025
I had a wreck and they doubled my cost.
Verified Review
Reviewed in Florida on October 24, 2025
It started out great, but the price goes up every 6 months. Ours went from $288 to $307 after the first 6 months. My personal driving record is perfect. I was disappointed.
Verified Review
Reviewed in Missouri on May 20, 2025
We have no complaints about them. It would help if they sent policies in the mail, as those of us in rural areas don't always have internet access. We are just shopping around to make sure we are getting the best rates, as we dairy farmers are on limited budgets.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not ratedNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.93AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
Not ratedWhy we picked this company
If you always obey speed limits and avoid driving late at night, you may benefit from signing up for car insurance through Root. A usage-based insurance (UBI) company, Root bases your auto insurance premiums on your vehicle use and driving habits.
You can qualify for substantially lower-than-average rates by driving safely, obeying speed limits, avoiding phone use while driving, and braking smoothly. Plus, Root doesn’t consider your credit when setting rates, so it may be a good option for those with no credit or poor credit.
Pros
Good drivers can qualify for lower-than-average rates
Doesn’t consider credit history when setting rates
Rental reimbursement and roadside assistance available
Cons
Past driving infractions may cause you to be ineligible for coverage
Not available in 15 states
Higher-than-usual number of customer complaints
What SUV Insurance Covers
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An auto insurance policy for your SUV needs to at least meet your state’s insurance requirements for bodily injury and property damage protection. But depending on your financial situation and vehicle, you may need to get additional coverage and increase your liability limits.
Here are some of the most common forms of coverage for your SUV, and what coverage includes:
Liability coverage: Liability insurance is a necessity in nearly every state. Although your state requires a minimum amount, you should consider increasing your coverage limits. This insurance pays for injuries or damages you cause to another driver, their property, or their passengers.[7]
Collision insurance: Collision insurance is an optional coverage that pays for repairs to your own vehicle after an accident. If you have a newer car, collision insurance can provide added financial protection.
Comprehensive insurance: Comprehensive coverage can help pay for repairs following non-collision events, such as hail or another object damaging your SUV.
Gap insurance: With new vehicle prices averaging more than $50,000, many drivers opt to finance or lease an SUV.[8] If that’s the case for you, gap insurance can come in handy. If you total your SUV in an accident, or if someone steals it, gap insurance helps cover the difference between your loan balance and the vehicle’s current value.
Other add-ons: Companies often offer more optional add-ons, such as rental car reimbursement or roadside assistance, that you can use to enhance your coverage or get added protection.
SUV Insurance Costs by Vehicle Category
Your SUV’s category and size can influence its insurance cost. Compact SUVs, such as the Honda CR-V, the Mazda CX-50, and the Toyota RAV4, are smaller vehicles with lower-than-average starting prices. Unsurprisingly, these vehicles are cheaper to insure than other SUVs. On average, compact SUV drivers pay $146 per month for insurance.
Full-size SUVs, such as the Toyota Sequoia or the Jeep Grand Wagoneer, are much larger and more expensive. As a result, they’re more expensive to replace if you have a claim, so you’ll have a higher insurance premium.
Luxury SUVs, like the BMW iX or the Audi Q7, have significantly higher-than-average starting prices and high-tech features. Due to their higher repair and replacement costs, these vehicles usually have higher insurance premiums.
The table below shows average insurance premiums by SUV category, according to Compare.com data.
SUV Type | Average Monthly Premium |
|---|---|
| Compact SUV | $146 |
| Midsize SUV | $156 |
| Full-size SUV | $161 |
| Luxury SUV | $176 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .
How to Get Cheaper SUV Insurance
You can typically find ways to save money on car insurance. Here are several tips you can try out to lower your car insurance premiums.
Sign up for a telematics policy
If you tend to drive infrequently, follow speed limits, and drive safely, you could save money by enrolling in a telematics or UBI program. These policies use apps or plug-in devices to track your vehicle use and driving behaviors. The collected data is then used to set your premiums.[9]
Take advantage of discounts
You may be eligible for discounts you’re not aware of, such as good student discounts for young drivers, paid-in-full discounts, or loyalty discounts. Contact your agent or insurance company to find out what car insurance discounts are available.
Adjust your coverage deductible
Your deductible is the amount you pay to repair or replace your vehicle after an accident or claim before your insurer covers the cost. Increasing your deductible from, for example, $500 to $1,000, will reduce your monthly insurance premiums.[10]
Review your policy
If you have an older or high-mileage SUV, you may not need a full-coverage policy. Dropping collision and comprehensive insurance or adjusting your coverage limits can lower your insurance costs.
Compare quotes from several insurance companies
Rates vary between companies, so request auto insurance quotes from several insurers to see which ones offer the best deals.
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Cheap SUV Insurance FAQs
The following information can help you find the right coverage if you’re in the market for a new SUV or want to find cheaper insurance for an existing vehicle.
What’s the cheapest SUV to insure?
The Honda CR-V is the cheapest SUV to insure, with an average monthly premium of $122, according to Compare.com data.
How much does SUV insurance cost per month?
On average, SUV drivers pay $112 per month for liability-only coverage and $208 for full coverage, according to Compare.com data.
Will your car insurance go up if you buy an SUV?
Whether your insurance premiums will go up after buying a new SUV depends on the value of your previous vehicle, what coverage options you select for the new SUV, and your deductible. Typically, buying a new vehicle will increase your premiums because newer cars are worth more.
Are SUVs expensive to insure?
SUVs are in line with the industry average for all vehicles. The average cost to insure an SUV is $160, which is $6 less than the national average for all vehicles of $166, according to Compare.com data.
Sources
- Experian. "State of the Automotive Finance Market."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Honda. "2026 CR-V."
- Nissan. "2026 Nissan Rogue."
- Highway Loss Data Institute. "Whole Vehicle Theft Losses."
- J.D. Power. "Satisfaction with Auto Insurance Claims Strained by Higher Deductibles, More Total Losses, J.D. Power Finds."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Kelley Blue Book. "Average New Car Price Topped $50,000 in December."
- National Association of Insurance Commissioners. "Understanding Usage-Based Insurance."
- Insurance Information Institute. "Understanding your insurance deductibles."
Methodology
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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)
Kat TretinaInsurance Writer
Katie PowersLicensed P&C Agent and Insurance Editor
Licensed auto and home insurance agent
4+ years of experience in insurance and personal finance editing
NPN: 20564519
John LeachLicensed P&C Insurance Agent and Expert Reviewer
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358