Auto Insurance Costs for an SUV

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Here's what you need to know...
  • Generally, SUVs cost more to insure than cars
  • Sport utility vehicles are being produced with more safety features than they used to
  • SUVs tend to cost more to buy in the first place, resulting in higher insurance premiums

The answer to the question, “How much does it cost to insure an SUV?” depends on a lot of factors, most of which have to do with the type of driver and the type of SUV.

Generally speaking, it is safe to say that sport utility vehicles are more expensive to insure than a regular car due to their size and cost.

Are you shopping for car insurance quotes for your sport utility vehicle? Enter your ZIP code above to get some FREE car insurance rates in your area.

While sport utility vehicles are costlier to insure, over the last several of years there have been major improvements made that will, over time, help to reduce the cost of insuring a sport utility vehicle. In fact, recent studies have shown that SUVs are among the safest vehicles.

Are SUVs safer than other cars?

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When sport utility vehicles were first introduced in the 1990s and grew in popularity through the mid-2000s, people who owned them thought they were the safest vehicles on the road.

Most were the largest vehicles on the road, and the four-wheel drive capability made owners feel very secure when driving, even during poor weather.

Most people assume that SUV’s are safer than traditional cars, vans, and station wagons because of the perception that an SUV will do better in a crash.

While an SUV’s size and weight may help protect the driver and the passengers, it is still important to look at crash ratings of sport utility vehicles rather than just assuming that it is the safest vehicle.

Here are some things to consider when driving an SUV:

  • Center of gravity –Because of a high center of gravity, an SUV is more prone to a rollover accident than a car or even a pickup truck.
  • The way you drive – No matter what type of car or truck you are driving, the most important safety factor always has been and will continue to be the driver. When driving a sport utility vehicle, drivers must be especially attentive to their surroundings.
  • Size of vehicle –SUVs are generally bigger and taller than other vehicles on the road so drivers must be extremely careful making turns and driving in heavy traffic or in a parking lot.
  • Stop-timeMost sport utility vehicles are much heavier than the average vehicle, so it takes more time to stop an SUV.
  • Blind spots – Sport utility vehicles have also traditionally had many more blind spots than cars, so the driver must be especially aware when doing things like changing lanes.

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Are today’s sport utility vehicles safer than previous models?

Generally speaking, because of ever-changing technology, the sport utility vehicles of today are even safer than the first models.

Obviously, size is still important when looking at the safety of the sport utility vehicle, but today’s models have additional safety features such as electronic stability control, or ESC. ESC makes the vehicles easier to drive and generally safer.

In addition, instead of being built on large truck frames, sport utility vehicles are now being built on car frames which help make the vehicles easier to maneuver.

The transition that SUV makers have made over the past several of years has been making the vehicles more like cars than pickup trucks.

What are some of the factors that affect drivers of sport utility vehicles?

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One of the main factors that come into play with regards to insuring sport utility vehicles is the risk that an accident can inflict a large amount of damage to another car or the other driver and passengers.

Today’s luxury sport utility vehicles, such as the Cadillac Escalade, can be very expensive to insure because of the cost to repair the vehicle, as well as the high risk of the SUV being stolen. In fact, the Escalade is the #1 most stolen vehicle.

In fact, the average loss claim involving a Cadillac Escalade is more than seven times higher than the average sport utility vehicle. Many of the insurance claims involving an Escalade can exceed $40,000. It is obviously one of the most expensive SUVs to insure.

What are the most affordable sport utility vehicles as far as insurance costs?

While many SUVs are highly desirable by thieves, there are two sport utility vehicles that are on the top 10 list of the least-stolen vehicles. Those are the four-wheel drive Saturn VUE and the Chevy Aveo.

Another important factor to consider when looking to purchase a sport utility vehicle is the standard safety features.

Airbags around the entire vehicle, anti-theft devices with a stolen car tracking system, and Vehicle Identification Number etching will help reduce the overall cost of the insurance premium.

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