SUV Insurance

Explore affordable insurance options for your SUV with Good to Go Insurance.

If your family is growing or you simply need more room and comfort on the road, a sports utility vehicle (SUV) might be the perfect fit. But before purchasing one, it’s important to consider SUV insurance rates to avoid surprises.

SUVs have surged in popularity over the last two decades and now outsell sedans across the U.S. They’re favorites among families, outdoor adventurers, and individuals seeking more space and safety in their vehicle.

However, not all SUVs come with the same insurance rates. Premiums vary significantly depending on the model, size, safety features, and repair costs. The good news? Many SUVs have insurance rates comparable to mid-sized sedans. Compare free quotes today with Good to Go Insurance and find the best value for your vehicle.

Why Is SUV Insurance More Expensive?

Generally, SUV auto insurance tends to be more expensive than coverage for smaller vehicles. Here’s why:

1. Higher Vehicle Cost: SUVs often cost significantly more than sedans. A higher price means a higher insured value, which increases premiums. Many sport utility vehicles cost $10,000 or more above models like the Toyota Camry.
2. Repair Costs: SUVs are typically heavier and come with complex features like four-wheel drive systems, which can be expensive to repair after an accident.
3. Replacement Value: SUVs are a favorite target for thieves. High-end models such as the Cadillac Escalade are more expensive to replace, resulting in increased comprehensive coverage rates.
4. Damage Potential: Due to their size and weight, SUVs can cause more damage in collisions, even at low speeds. This increases liability risk and raises premiums accordingly.

Despite the cost, many drivers consider the additional safety, space, and functionality worth the investment. From carrying sports gear to handling off-road terrain, SUVs offer versatility that smaller vehicles can’t match.

SUVs That Are Cheap to Insure

While many SUVs come with higher insurance rates, several models are surprisingly affordable to cover. Here are two standout options:

• Ford Edge SE: A compact SUV that’s both fun to drive and affordable to insure. According to Insure.com, the average annual premium is around $1,125 — less than $100 per month.
• Jeep Grand Cherokee: This full-size SUV offers excellent performance on and off the road. Average annual premiums are about $1,150, making it one of the most budget-friendly options in its class.

Raise Your Deductible to Lower Premiums

One of the most effective ways to reduce your SUV insurance cost is by increasing your deductible. Choosing a deductible of $1,000 or more can save you between 10% and 15% annually. Just ensure you have the deductible amount set aside in case you need to file a claim.

Shop Online for the Best SUV Insurance Rates

Getting cheap SUV insurance has never been easier. More drivers are turning to the internet to find competitive rates. Many insurers offer exclusive online discounts that aren’t available through traditional agents. Plus, you can shop with confidence and avoid sales pressure by comparing options independently.

With Good to Go Insurance, you can get fast, free quotes and save hundreds on your premium. Start comparing today and get the best SUV insurance policy — with savings of up to $550!