Complete Guide to Car Insurance for SUVs Drivers: Coverage and Tips

Greetings from the “Car Insurance for SUVs drivers” world! If you’re the proud owner of an SUV or are thinking about buying one, it’s crucial to realize how important it is to have appropriate auto insurance coverage that is customized specifically for your automobile model.

SUVs, or Sports Utility Vehicles, are becoming more and more well-liked among motorists all over the world because of their adaptability, spaciousness, and powerful capabilities. These cars do have a variety of benefits, but they also have particular Car Insurance for SUVs drivers considerations. You might be curious about the precise coverage options and plans that best meet your needs if you own an SUV.

We’ll delve into the complexities of Car Insurance for SUVs drivers in this educational article. smartlifess.com examine the reasons why SUVs have different insurance needs than ordinary cars, talk about the variables that affect SUV insurance costs, and offer helpful advice on how to find the most appropriate and affordable insurance for your vehicle.

What’s the cheapest SUV to insure?

SUV insurance rates by model

Our rate comparison includes typical premiums for make-and-model combinations across the US because “SUV” is a pretty general word. You can choose the make and model of your current or desired vehicle from the list below, then compare insurance providers to discover the best deal for you and your new vehicle.

Honda CR-V
Jeep Cherokee
Ford Escape
Chevrolet Equinox
Jeep Wrangler
Subaru Forester
Toyota RAV4
Nissan Rogue
Ford Explorer
Jeep Grand Cherokee

Honda CR-V

The Honda CR-V, which has a list price of $25,050 for 2020, comes first. Farmers offers the most Car Insurance for SUVs drivers for a Honda CR-V among the insurance providers we compared.

The CR-V had the second-lowest insurance cost of the 10 SUVs we surveyed.

If you own a CR-V, stay away from Allstate because its average premium for this SUV is more than $2,000 a year.

Jeep Cherokee

The Jeep Cherokee will follow. With an MSRP of $32,045 and an average annual Car Insurance for SUVs drivers cost of $1,550, the Cherokee is one of the more expensive SUVs to insure.

The cheapest insurance options for the Cherokee are USAA and Nationwide, just like with the Honda CR-V.

Ford Escape

The Ford Escape is the third least costly SUV to purchase but the least expensive to insure, with a list price of $24,885 and an average monthly premium of $120.

The two best providers to start your search for affordable Ford Escape insurance with are GEICO and Nationwide.

Allstate normally offers the most expensive Car Insurance for SUVs drivers for a Ford Escape, with an average annual cost of more than $2,000.

Chevy Equinox

The middle-of-the-road SUV in terms of Car Insurance for SUVs drivers costs is the 2020 Chevy Equinox, which has a sticker price of around $23,800 and an annual insurance cost of about $1,524. This SUV is the least expensive of all the SUVs surveyed.

Avoid Farmers and Allstate on the Equinox to avoid paying higher auto insurance prices.

Jeep Wrangler

In terms of insurance rates and base price ($28,295), the Jeep Wrangler is about in the middle of the pack.

This SUV’s insurance will typically cost you $752 per six months (the typical coverage length), or roughly $125 each month. With average premiums of $100 per month, USAA and Nationwide continue to offer the lowest auto insurance prices for the Jeep Wrangler.

Again, Allstate has the most expensive Car Insurance for SUVs drivers for a Jeep Wrangler at more than $2,000 annually.

Subaru Forester

With a list price of $24,495 and comparable insurance prices to the Jeep Wrangler, the Subaru Forester is the second-cheapest SUV to buy.

Given our user profile, GEICO and Nationwide provide the most affordable rates for this model.

A Forester will typically cost $1,514 annually to insure, or $757 every six-month policy period.

Toyota RAV4

Comparing the Toyota RAV4 to the other SUVs surveyed, insurance costs are a little bit higher.

The RAV4 has a $25,950 list price and an average monthly auto insurance premium of $129, which equates to an annual cost of $1,548 or $774 for a six-month policy.

Nationwide and USAA offer the RAV4’s most affordable insurance options. When comparing insurance estimates for your RAV4, stay away from Allstate and Liberty Mutual because their typical coverage costs start at more than $1,900 annually.

Nissan Rogue

According to our research, Nationwide and USAA provide the most Car Insurance for SUVs drivers for a Nissan Rogue.

Owning a Nissan Rogue will cost you $1,552 annually, $776 for a 6-month insurance period, or $129 each month in addition to its list price of $25,300. It has the second-highest insurance cost among SUVs.

Allstate charges more than $2,200 a year for insurance on a Nissan Rogue, making it the most expensive option.

Ford Explorer

The Ford Explorer, the priciest SUV we surveyed, is also the priciest SUV to insure.

In addition to its $32, 765 list price for 2020, a Ford Explorer’s average yearly insurance expenditures come to roughly $1,589 per year.

Nationwide offers the most Car Insurance for SUVs drivers for a Ford Explorer, at $1,081 annually. Allstate is the most expensive choice, costing over $2,100.

Jeep Grand Cherokee

Last but not least, the Jeep Grand Cherokee is the second most expensive SUV to purchase, but compared to other SUVs, its insurance rates are in the middle.

For a 2020 Jeep Grand Cherokee with a list price of $32,045, the average insurance premiums work out to $1,538 year, $769 for a 6-month policy, or $128 per month.

The most expensive choice is Allstate ($175 per month), while Nationwide offers the least expensive vehicle insurance for a Jeep Grand Cherokee ($85 per month).

Is SUV insurance different from standard auto insurance?

While the cost of insuring an SUV may be higher than that of insuring some sedans, Car Insurance for SUVs drivers is not always divided according to vehicle type. The broad definition of “auto insurance” includes all types of vehicles and the essential protections for them. You might be able to locate alternative coverage options for an SUV, but you don’t absolutely need one.

You can simply add your vehicle to an existing insurance policy without taking any additional action if you already have one.