Choosing the right coverage for your SUV is crucial, especially for families and drivers who frequently go off-road. In the USA, the average annual cost of full-coverage auto insurance is approximately $2,671, and top-selling SUVs like the Toyota RAV4 or Honda CR V often enjoy even lower rates. However, SUV Insurance USA policies must account for the larger vehicle size and higher repair costs, which can result in higher premium rates for SUVs.
In this guide, we review the 10 best SUV insurance providers in the USA, comparing their collision coverage, liability protection, quote tools, and overall value. You’ll learn which insurers offer the best SUV liability insurance and full coverage options, how to get affordable SUV Insurance USA, and tips to lower your premiums.
1. State Farm – Widely Available with Strong Discounts
State Farm is one of the largest insurers in the USA, known for its extensive agent network and strong financial ratings. It offers comprehensive SUV Insurance USA and liability options for virtually every state. State Farm provides many discounts (multi-vehicle, safe driving, low mileage) that can lower your SUV insurance premium rates.
For families, State Farm’s multi-car and bundling discounts make family SUV Insurance more affordable. Their mobile app and online quote tool are easy to use for getting quick suv-insurance-usa. NerdWallet notes State Farm’s average full-coverage rate is about $2,142 per year (lower than the national average)
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Key Coverage: Standard liability, collision, comprehensive, and optional gap or rental reimbursement.
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Discounts: Safe Driver, Drive Safe & Save® (telematics), multiple vehicles, protective devices.
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Pros: Local agents nationwide, highly rated customer satisfaction, strong mobile app.
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Cons: Higher rates for young or high-risk drivers; gap coverage is not standard.
State Farm’s combination of local service and discounts makes it a solid choice if you want reliable coverage and hands-on support. Their competitive rates and broad availability earn them a spot among the top SUV Insurance providers.
2. GEICO – Most Affordable For Many SUVs
GEICO is famous for low rates and user-friendly online tools. If cheap SUV Insurance from USAquotes is your priority, GEICO is often a top pick. It offers the essentials: liability, collision, and comprehensive coverages. GEICO’s discounts (good driver, multi-car, anti-theft devices), and SUV Insurance USA help reduce SUV liability insurance costs.
While it doesn’t have a large agent network, its 24/7 customer service and convenient digital quotes make it easy to use. In NerdWallet’s analysis, GEICO is listed among the cheapest insurers due to its competitive pricing.
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Key Coverage: Standard policies with extra options (Roadside Assistance, Emergency Expense).
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Discounts: Good Driver, Emergency Deployment (military), multi-policy, vehicle safety features.
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Pros: Very competitive premiums, easy online claims, 24/7 support.
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Cons: Fewer local branches, less personal touch.
If your main goal is low premium rates and quick online quotes, GEICO’s focus on affordability and technology makes it a great choice for many SUV owners.
3. Progressive – Innovative Tools & Usage Discounts
Progressive stands out with its innovative quote tools and usage-based programs. It sells full coverage for SUVs, including collision and liability. Progressive’s Snapshot® program rewards safe driving, which can cut SUV Insurance USA premiums for good drivers. They also offer robust bundling (auto, home, etc.) to save on family SUV Insurance USA when multiple policies are combined. Progressive’s “Name Your Price” tool lets you tailor coverage to your budget while comparing options.
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Key Coverage: Broad coverage options, including optional Pet Injury and custom parts.
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Discounts: Multi-policy, multi-car, safe driver (Snapshot), continuous coverage.
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Pros: Great online experience (instant quotes), strong bundling options, highly customizable.
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Cons: Average customer service ratings; some customers report higher rates after claims.
Progressive often appeals to tech-savvy drivers and families who want detailed SUV insurance quotes online and extensive customization. Its focus on discounts for safe driving can result in very affordable rates if you qualify.
4. Allstate – Strong Nationwide Presence and Discounts
Allstate offers reliable coverage nationwide with a wide range of discounts that benefit SUV owners. Allstate’s policies include liability, collision, and comprehensive coverage, and they also offer special features like Accident Forgiveness and Deductible Rewards. For larger families, Allstate’s multi-car and bundle discounts (e.g.,
home+auto) help reduce the cost of family SUV insurance. Their online quote system and local agents make it easy to compare SUV Insurance USA quotes. Allstate tends to have average to slightly above-average premiums, but it compensates with comprehensive coverage options.
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Key Coverage: Standard liability/collision plus extras (rental car reimbursement, accident forgiveness).
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Discounts: Safe Driving (MVR discount), new car, anti-lock brake, multiple policies.
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Pros: Variety of coverage add-ons, many agent locations, and rewards programs for safe driving.
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Cons: Premium rates can be higher for riskier profiles, and not all discounts apply in every state.
Allstate’s wide coverage network and extra features (like Drivewise™ telematics) make it a contender for SUV owners who value comprehensive protection and rewards for safety.
5. USAA – Best for Military Families (and Great Rates)
USAA is consistently rated #1 for auto insurance, but it’s available only to military members, veterans, and their families. USAA specializes in car and SUV Insurance USA, offering top-rated SUV Insurance USA full coverage policies with collision and liability. It is known for extremely competitive SUV premium rates.
NerdWallet reports USAA’s average full-coverage rate at just $1,499 per year, much lower than the national average. USAA also provides many vehicle usage discounts (safe driver, deployment, military family discount). Customer satisfaction is high, and USAA’s service is excellent.
USAA customers enjoy low SUV insurance premiums, but note that USAA is limited to military families.
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Key Coverage: Comprehensive policies including glass coverage, roadside, and car replacement.
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Discounts: Safe driver, multi-vehicle, vehicle safety features, military deployment.
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Pros: Best rates for eligible members, top-notch customer service, military-focused benefits.
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Cons: Must qualify (military affiliation), no new customers outside that group.
If you are eligible, USAA often has the cheapest SUV Insurance rates. Their policies cover all major needs, making them unbeatable for military families and veterans who drive SUVs.
6. Travelers – Solid Coverage with Low Complaint Scores
Travelers is a well-established insurer with strong coverage options for SUVs. It offers liability, collision, and comprehensive coverage, plus unique add-ons like rideshare coverage.
Travelers earned the best overall score in NerdWallet’s ratings, thanks to a few customer complaints and many discounts. The average Travelers premium for full coverage is about $1,714 per year, which is below the national average. Travelers’ customizable plans and local agent availability make it a good all-around choice.SUV Insurance USA
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Key Coverage: Gap insurance, new car replacement, and roadside assistance.
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Discounts: Multi-policy, multi-car, safe driver, vehicle protective devices.
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Pros: Wide coverage options (gap, rental, etc.), lots of discounts, strong financial stability.
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Cons: Rates vary by state; not always the cheapest for older, safer drivers (depending on location).
Travelers’ blend of discount programs and coverage makes it one of the top picks for SUV owners who want reliable protection and a good range of options
7. Nationwide – Family-Friendly Coverage Options
Nationwide is known for its diverse product portfolio and emphasis on customer convenience. It offers standard SUV insurance (liability, collision, comprehensive) and also unique perks such as Vanishing Deductible (which lowers the deductible for safe driving) and accident forgiveness. Nationwide’s One Wallet® program, for example, lets you pay out of pocket for minor claims, protecting your rates. Families benefit from multi-vehicle discounts and a range of bundling options. According to TrustedChoice data, Nationwide’s rates on popular SUVs (Ford Escape, etc.) are competitive.
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Key Coverage: Standard auto coverage plus vanishing deductible, smart ride usage-based discount.
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Discounts: Multi-car, good payer, homeowner, multiple policies.
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Pros: Extra perks (deductible rewards), robust agent network, available in all states.
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Cons: Some discounts aren’t available nationwide, and fewer tech features than some peers.
Nationwide’s emphasis on family-friendly policies and savings for safe drivers makes it a strong contender for SUV Insurance USA, balancing cost and coverage effectively.
8. Liberty Mutual – Customizable Plans and New Car Coverage
Liberty Mutual provides highly customizable insurance plans for SUVs. In addition to basic liability and collision coverage, they offer features such as New Car Replacement (in case your SUV is totaled) and Accident Forgiveness. They also have standard collision coverage for SUV Insurance USA and full coverage packages available. Customers can select various deductibles and add-ons to suit their preferences. The Liberty Mutual smartphone app simplifies policy management. Generally, Liberty’s rates are a bit higher than average for high-risk drivers but remain competitive for those with more experience.
- Key Coverage: New Car Replacement, rental car coverage, rideshare.
- Discounts: Safe Driver, Good Student, Multi-policy, Anti-theft.
- Pros: Numerous coverage extras (auto loan/lease, rideshare), various discount programs.
- Cons: Elevated base rates for new drivers; significant dependence on agents (limited self-service options).
Liberty Mutual could be a suitable choice if you’re looking for additional coverage benefits, such as guaranteed replacement for a new SUV, and are prepared to shop around for the best rate.
9. Farmers Insurance – Extensive Coverage with Optional Enhancements
Farmers’ agents can combine home and auto insurance for extra savings SUV Insurance USA is beneficial for families with various assets. They also feature a distinctive “Better Car Replacement” add-on that offers cash for a new vehicle following an accident, even if your SUV is older.
- Key Coverage: Replacement Cost, Mechanical Breakdown, GAP.
- Discounts: Multi-line discount, good student, multi-car, paperless.
- Pros: A wide range of optional coverages, flexible payment options (such as pay-per-mile with RightTrack).
- Cons: Transparency in rates may be a concern, and not all add-ons are accessible in every state.
For SUV owners who appreciate optional enhancements and are located near a Farmers agent, Farmers Insurance can offer customized protection and discounts. Just be sure to compare quotes thoroughly, as premiums can differ.
10. American Family – Customer Satisfaction & Family Focus
American Family (AmFam) enjoys a high rating in customer satisfaction and prioritizes families, positioning it as an excellent option for SUV owners. The company offers comprehensive coverage policies that include standard liability and collision, along with additional features such as gap coverage and new car replacement.
AmFam presents a variety of discounts (including those based on career, loyalty, and multicar) and is recognized for its efficient claims service. However, it is only accessible in select states. For those who qualify, its focus on customer service and family safety can enhance the reliability of SUV Insurance USA‘s liability insurance and full coverage.
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Key Coverage: Gap insurance, rideshare coverage, and mechanical breakdown insurance.
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Discounts: Multi-vehicle, policy bundling, good student, and superior driver.
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Pros: High customer satisfaction scores, a broad list of discounts, and support for green driving (hybrid/EV cars).
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Cons: Limited geographic availability; newer drivers may pay higher rates.
American Family stands out for policyholders who want extensive discounts and personalized service for SUV Insurance USA. Its reputation for fewer complaints and more discounts makes it one of ’s top picks for customer experience.
How to Compare and Get SUV Insurance Quotes
Shopping around is key to finding the best deal. Because SUV Insurance USA quotes can vary widely by driver and location, use each insurer’s online tools or agent to compare. Make sure to provide accurate details (vehicle model, coverage desired, driving history for each quote.
For example, Bankrate emphasizes comparing SUV insurance quotes from multiple insurers to find the lowest SUV Insurance USA Remember to compare equal coverage (liability limits, deductibles, etc.) when evaluating quotes. Also consider working with an independent agent who can provide quotes from several providers at once.
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Tip 1: Bundle your SUV with home or other auto insurance to unlock multi-policy discounts.
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Tip 2: Maintain a clean driving record and consider a usage-based program (like Safe Driver or Snapshot) to lower rates.
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Tip 3: Increase deductibles if you can afford it—higher deductibles often mean lower premiums, SUV Insurance USA.
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Tip 4: Regularly review your coverage needs and shop around annually. Sometimes switching insurers can save hundreds per year.
FAQ about SUV Insurance USA
Q: Do SUVs cost more to insure than sedans?
A: Generally, SUVs can be more expensive to insure than smaller cars due to their larger size and repair costs. However, some popular SUV models (Toyota RAV4, Honda CR-V) often have lower insurance rates than many cars. Always compare quotes to see how an SUV’s insurance cost compares to other vehicles.SUV Insurance USA
Q: What coverage should I get for my SUV?
A: At minimum, you need liability insurance (for SUV Insurance USA, which covers damage you cause to others. For better protection, many owners get full coverage, which includes collision(repairs to your SUV after crashes) and comprehensive coverage (non-collision events like theft or hail). Additional options like roadside assistance or new-car replacement can also be useful for SUVs.
Q: How can families save on SUV insurance?
A: Families can use discounts by bundling multiple vehicles or policies, insuring multiple drivers, or installing safety devices in the SUV.
For example, many insurers offer lower rates if you add drivers as secondary on a family policy, or if you insure several vehicles (like parents’ car + SUV) together. Good driving records and family-friendly insurer programs (like State Farm’s Drive Safe & Save™) also reduce rates.
Q: What factors affect SUV insurance premiums?
A: Premiums depend on driver profileSUV Insurance USA model, location, and coverage level. Larger, newer, or more powerful SUVs usually cost more. Your age, driving record, credit score, and where you live also impact SUV Insurance USA. These factors to set your quotes, so provide accurate information for the most relevant estimates.
Q: How do I get cheap SUV insurance quotes?
A: Start with providers known for low rates (e.g., USAA, GEICO, State Farm) and compare several quotes online. Use price-comparison tools if available. Look for all eligible discounts (good student, military, safe driver, etc.) Sometimes raising your deductible or switching to a usage-based plan can significantly drop your rate. In all cases, request quotes with the same coverage limits to make a fair comparison.
Q: Which insurer is best for full coverage SUV insurance?
A: The “best” insurer depends on your needs. USAA is often the cheapest option (for eligible members), while companies like Travelers and Auto-Owners are praised for their robust coverage options and service. Check factors beyond price: customer service, financial strength, and claim experience. The companies listed here all have strong reputations; your best fit will depend on your budget, location, and which perks matter most to you.
Conclusion & Action Steps: Finding the best SUV insurance in the USA means weighing price against coverage and service. All 10 providers listed above offer full SUV Insurance throughout the USA, but they differ in terms of discounts, customer service, and policy options.SUV Insurance USA
Review the pros and cons of each: for example, USAA (if you qualify) tends to offer the lowest SUV Insurance USA, while State Farm or American Family excel in agent support and satisfaction.
Get personalized SUV Insurance USA quotes from at least 2–3 of these companies (or their agents) to compare costs. Remember to ask about SUV Insurance USA and liability limits when shopping so you know you’re comparing apples to apples.SUV Insurance USA
We trust that this guide will assist you in exploring your SUV insurance choices. Have you had any experiences with these insurers? Please share your story in the comments section below, and think about sharing this guide with fellow SUV drivers. By comparing quotes, utilizing discounts, and comprehending coverage options, you will be well on your path to obtaining affordable, comprehensive SUV Insurance in the USA.
