The cheapest SUV to insure in 2026 is the Subaru Outback, with Jerry customers receiving quotes from $89 a month and paying $191 a month on average. The Subaru Forester is just behind at $197 a month.
Across the range of SUVs considered, drivers pay about $236 a month, which works out to roughly $2,832 a year. These are based on real quotes Jerry customers received from January through June 2026, not modeled estimates.
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How much does it cost to insure an SUV?
The average SUV costs about $236 a month to insure, or roughly $2,832 a year, which makes SUVs cheaper to insure than the typical sedan. Sedans and trucks compare like this in Jerry’s 2026 quote data.
Based on Jerry customers who received quotes January 1 to June 30, 2026. Actual quotes vary by coverage, location and driver.
In Jerry’s data an SUV costs less to insure than the average sedan and lands almost exactly where a pickup truck does. SUVs and trucks both come in around $235 to $236 a month, while the average sedan runs about $56 a month more. If you have been leaning toward a smaller car to keep insurance down, the numbers suggest an SUV is unlikely to cost you more on insurance alone.
Key takeaway: SUVs average about $236 a month to insure, less than the typical sedan at $292 a month and roughly even with trucks at $235 a month.
Cheapest SUVs to insure in 2026
The cheapest SUV to insure is the Subaru Outback, with Jerry customers receiving quotes from $89 a month and paying $191 a month on average. The Subaru Forester is just behind at $197 a month.
Size does not predict cost. Full-size SUVs like the Ford Expedition average about $201 a month, beating popular compacts such as the Honda CR-V at $231 and the Toyota RAV4 at $236. The priciest SUVs are the luxury and performance models.
Based on Jerry customers who received SUV quotes January 1 to June 30, 2026. Actual quotes vary by coverage, location and driver.
The same SUV can cost noticeably more or less depending on which company writes the policy, where you live and your driving record, so comparing car insurance quotes on the SUV you want is the fastest way to find out how much you’ll pay.
Key takeaway: The Subaru Outback is the cheapest SUV to insure, with quotes from $89 a month and a $191 average, and full-size models like the Ford Expedition rank cheaper than popular compacts like the CR-V and RAV4.
Cheapest compact SUVs to insure
Compact SUVs include several of the most affordable models to insure. The Subaru Forester leads the compacts at $197 a month on average, with quotes from $95 a month for Jerry customers. The Ford Escape, Subaru Crosstrek, Chevrolet Trailblazer, Honda CR-V, Mazda CX-5 and Toyota RAV4 all quote in the low-to-mid $200s a month.
Based on Jerry customers who received SUV quotes January 1 to June 30, 2026. Actual quotes vary by coverage, location and driver.
Key takeaway: Compact SUVs like the Forester, Escape, Crosstrek, CR-V and RAV4 rank among the cheapest to insure, with averages in the low-to-mid $200s a month and the Forester leading at $197.
Cheapest midsize and full-size SUVs to insure
The Subaru Outback leads this group at $191 a month, and full-size models like the Ford Expedition, Chevrolet Tahoe, GMC Yukon, Toyota Sequoia and Chevrolet Suburban all average in the low-$200s a month, well under the $236 all-SUV average.
Based on Jerry customers who received SUV quotes January 1 to June 30, 2026. Actual quotes vary by coverage, location and driver.
Key takeaway: Full-size SUVs are among the cheapest to insure, led by the Subaru Outback at $191 a month, with most midsize and full-size models below the $236 SUV average.
Most expensive SUVs to insure
Luxury and performance SUVs are the most expensive SUVs to insure. Even the cheapest luxury SUV to insure in this group, the Cadillac Escalade, averages $270 a month, about $3,240 a year. The Tesla Model X is the most expensive SUV to insure at about $498 a month, roughly $5,976 a year.
Based on Jerry customers who received SUV quotes January 1 to June 30, 2026. Actual quotes vary by coverage, location and driver.
If you drive a luxury SUV, comparing quotes matters even more, and our luxury car insurance article walks through how to shop these models.
Key takeaway: Luxury and performance SUVs are the priciest to insure, from the Cadillac Escalade at $270 a month up to the Tesla Model X at $498 a month.
Cheapest insurance companies for SUVs
Based on Jerry customers who received SUV quotes January 1 to June 30, 2026. Actual quotes vary by coverage, location and driver.
The insurer that comes out cheapest also tends to change over time, so it pays to compare again at renewal rather than assuming the same company is still your best option.
What makes certain SUVs cheaper to insure?
These are the categories insurers look at when they price a policy.
- 🛡️ Safety ratings. Insurers consider how a vehicle performs in crash testing when they set a rate, since how a vehicle protects its occupants can feed into injury claims.
- 💵 Repair cost. How much it costs to fix a vehicle after a claim feeds into the cost of insuring it.
- 🔧 Vehicle value. A higher-value SUV can cost more to insure.
- 🚗 Theft rates. How often a vehicle is stolen factors into your insurance cost. Auto theft is still common nationally, with about 660,000 vehicles reported stolen in 2025, per the NICB.
- 📍 Where you keep it. Where you live affects what you pay, and the same SUV can cost two or three times as much in one state as in another, as our data below shows.
Key takeaway: Safety ratings, repair cost, vehicle value, theft rates and where you live all factor into an SUV’s premium, but no single one decides your rate.
What coverage does an SUV need?
Nearly all states and Washington, D.C., require you to carry at least liability coverage before you can drive your SUV legally. Liability pays for the injuries and property damage you cause to other people in an at-fault crash. It does not pay to repair your own SUV, which is where full coverage comes in.
Full coverage adds collision and comprehensive on top of liability. Collision coverage reimburses you for damage to your car from an at-fault collision with another vehicle or a stationary object like a building, tree or utility pole. Comprehensive coverage handles damage from an incident other than a collision, such as theft, vandalism, fire, flood, hail, falling rocks or trees and striking an animal.
Most insured drivers carry both: about 80 percent buy comprehensive on top of liability and 77 percent buy collision. For a newer or financed SUV, full coverage may be the right call, and a lender will typically require it.
State minimum coverage is often low enough to leave you exposed in a serious crash, so drivers may choose to buy higher limits than the legal floor. Comparing quotes lets you see what each coverage level costs on your SUV before you decide.
Key takeaway: Liability is required in nearly every state, while collision and comprehensive add full coverage that protects your own SUV.
SUV insurance costs by state
Based on Jerry customers who received SUV quotes January 1 to June 30, 2026. Actual quotes vary by coverage, location and driver.
How to lower your SUV insurance costs
If you’ve already bought an SUV and want to bring your premium down, here’s what you can do:
- 🔎 Shop and compare quotes. Shopping for car insurance is the single most effective step. Jerry compares quotes from 100+ insurers, so you can see what each company would charge side by side. Doing this once a year, or whenever your situation changes, keeps you from quietly overpaying.
- 🏠 Bundle home and auto. Bundling your home and auto policies can lower your rate, and with Jerry you do not need both policies with the same company to save.
- 💳 Raise your deductible. Choosing a higher deductible lowers your monthly premium, as long as you can comfortably cover that amount out of pocket if you file a claim.
- 📱 Use a safe-driver program. Many insurers offer a discount through a telematics program that rewards safe driving habits with a lower rate.
- 🎓 Stack the everyday discounts. Insurers offer smaller discounts that add up, including good-student, low-mileage, paperless-billing, pay-in-full and multi-car discounts. Ask which ones you qualify for, since many are not applied automatically.
Key takeaway: Comparing quotes, bundling home and auto, adjusting your deductible and using safe-driver programs are the most effective ways to lower your SUV premium.
Frequently asked questions
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What is the cheapest SUV to insure?
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Are SUVs more expensive to insure than cars?
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Does the size of an SUV affect insurance cost?
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How can I find the cheapest rate on my SUV?
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.
