Chevrolet Suburban Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• It costs less to insure a Chevrolet Suburban than the average SUV.

• Liability only auto insurance rates for a Suburban average about $72 a month, while full coverage generally averages around $141 monthly.

• The cheapest car insurance company for a Suburban is Hugo.

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Suburban Overview

With new 2021 models starting at $51,000, the Chevrolet Suburban is a great choice for a mid-level SUV. With 13 different trim levels currently available, there's an option for every driver.

Based on reviewing thousands of auto insurance quotes from Compare.com, we've found that Chevrolet Suburban insurance prices are about $148 a month, on average. But how does that fare against its competitors?

How Much is Car Insurance for a Chevrolet Suburban?

You'll see in the table above that Chevrolet Suburban insurance premiums are lower than average. Suburban owners can expect to pay around $72 monthly for liability insurance, and about $141 per month for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can provide more details on these different types of insurance).

When compared to other Chevrolet models, the Suburban is cheaper, with prices more than 10% lower than the rest of the company's vehicle lineup. Similarly, compared to other vehicles of a similar body style, Suburban coverage is cheaper than average, with both liability only and full coverage insurance averaging less expensive rates than other SUVs.

They're also more affordable to insure than the average vehicle overall, no matter what make, model, or body style they are.

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Who has the Cheapest Car Insurance for a Chevrolet Suburban?

If you're in the market for a new car insurance policy for your Chevrolet Suburban, you may be wondering which carrier offers the lowest prices. Although premiums can shift pretty significantly depending on your driver profile, MetroMile has the lowest average rates for liability only coverage, with rates as little as just $24 a month. With car insurance sometimes as low as $32 per month, Clearcover is the next most affordable auto insurance company.

The third, fourth, and fifth carriers on the list are MetLife, Shelter Mutual, and AnswerFinancial. However, just because these five companies offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Chevrolet Suburban.

Car insurance carriers use a bunch of different factors and complex formulas to calculate premiums. By analyzing quotes from numerous car insurance companies at once, you can rest easy knowing that you're finding the lowest rate.

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What Factors Affect Car Insurance Rates for a Chevrolet Suburban?

As we mentioned above, there are a whole range of things that insurance carriers use to decide how much they charge for a policy -- and each carrier weighs different attributes more heavily than others, so there's not one single company that's the cheapest for every driver.

Here are just a few of the variables car insurers will look at, with individual breakdowns of how each one affects your rates:

Vehicle Age

The Chevrolet Suburban has been around for a while, so vehicle age may play a big role in what you end up paying for car insurance. Generally, older cars will be cheaper to insure because they're worth less than newer models, and as cars get older, insurance costs will gradually decrease.

Based on the above table, the Chevrolet Suburban is an outlier, as the cheapest models to insure are those that are 4 to 5 years old, while the most expensive models are 8 to 10 years old, on average.

Your Age

Age makes a significant difference in how much auto insurance companies will charge for insurance. Based on the information above, teenage Suburban drivers pay more compared to those who have more experience on the road. In this case, drivers under 18 pay more than twice as much as those 25 or older.

Auto insurance prices continue to go lower as you get older, with drivers aged 55-64 making up the cheapest age group for the Suburban.

Your Gender

Women normally to pay less for car insurance than men. This is because women are less likely to get into accidents and get speeding tickets, which lowers the chances of an insurance claim. The Chevrolet Suburban is no different, and women pay around $70 monthly for auto insurance and men pay about $74.

Where You Live

You might think it's common sense that factors like how old you are and what vehicle you drive play a role in your insurance rates, but you may not realize that where you live has just as much of an impact. Since auto insurance is regulated on the state level and not nationally, prices can vary quite a bit depending on what state you live in.

For example, the average Chevrolet Suburban driver in New York pays around $167 per month for liability coverage. Meanwhile, the same owner in California will pay less than half of that price, on average. The table referenced above shows average premiums for the 10 largest states by population, just to give you a good idea of how much prices can change across states.

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Chevrolet Suburban Car Insurance Discounts

Regardless of how old you are, what vehicle you drive, or what state you call home, using as many discounts as possible when it comes to your insurance policy is always in your best interest.

While no two car insurance carriers offer the same exact discounts, there are a few that you'll find with most insurers. These include things like:

• Vehicle safety discounts for having a vehicle with certain safety features (like anti-lock brakes or air bags) or one with higher safety ratings
• Defensive driving discounts for drivers who take a defensive driving class from a certified school or institution
• Multi-policy discounts for getting both your home and auto policies from the same carrier
• Pay-in-full discounts for drivers who agree to pay their entire policy premium up front, rather than by monthly payments

But these aren't the only discounts auto insurance companies offer to their customers. Sometimes the best way to save is just by having a profile that looks good to car insurance carriers.

While you can't control every factor insurance companies look at to calculate rates (like some of the ones mentioned above), you can control some of them. Below are just a few of the variables you can use to your advantage in order to save on car insurance:

Your Driving Record

You've almost certainly observed ads from insurance carriers promoting big discounts for responsible drivers. It follows that if you get tickets or get into an accident, auto insurance premiums will go up. But you still might be left wondering exactly how much collisions and moving violations will cost you.

Looking at the table above, you'll notice that accidents will usually cost Suburban drivers more than tickets, but both will result in a raise in rates. Chevrolet Suburban drivers with a single accident on their record pay an average of $90 per month (up $18 from the $72/mo. overall average), while drivers with one ticket will pay about $83 monthly. Drivers who have more than one of either violation will end up paying even more.

How Much You Drive

Another variable you have control over is the total amount of miles you drive annually. Those who drive less often are less likely to get into accidents, so they'll typically be offered less expensive rates. Based on the table above, you can see that Chevrolet Suburban owners who drive fewer than 2,500 miles each year pay an average of $68 a month for car insurance, while those who put 10,000 miles or more on their cars pay $72.

But if you happen to be one of those drivers who put very few miles on your Chevrolet Suburban each year, it may be worth considering pay-per-mile or usage-based auto insurance. With these plans, you pay a small base rate each month, with your final monthly bill being calculated based on how many miles you drove.

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How Do Chevrolet Suburbans Compare to Other Vehicles?

If you're thinking about purchasing a new SUV and a Chevrolet Suburban is on your shortlist, it might be helpful to do your research. Insurance is just one cost that's associated with buying a new car, but it's certainly one that's worth thinking about carefully.

Take a look at the table below to see how the Chevrolet Suburban compares:

Overall, the Chevrolet Suburban has an average MSRP and is in line with the going rate for a new vehicle. The Suburban has a base price of $51,000, similar to the national average vehicle MSRP of $46,179.

But while the purchase price runs about average, insurance prices run slightly above average when compared to the rest of the vehicle market. Liability insurance for a Chevrolet Suburban is about $9 per month more than average, while full coverage is $8 less per month.

When it comes to usage, Chevrolet Suburban drivers are near the national average in annual miles driven, with 12,333 miles a year compared to 11,660 for all vehicles.

Chevrolet Suburban Car Insurance Costs by Model Year

We've gone over many of the things that can affect how much the average driver pays for car insurance. If you're considering buying a new Suburban, having a good idea of exactly how much you'll pay can be extremely helpful as you weigh your choices.

For this reason, we've crunched the numbers and broken down Chevrolet Suburban auto insurance rates by model year. Choose a specific Suburban model year in the dropdown below and see average rates for both liability only and full coverage. We've included some additional information you might find helpful, too, such as the base MSRP, which trim levels are offered, and who offers the most affordable policies for each Suburban model year.

Choose Your Model

2021 Chevrolet Suburban Car Insurance 2020 Chevrolet Suburban Car Insurance 2019 Chevrolet Suburban Car Insurance 2018 Chevrolet Suburban Car Insurance 2017 Chevrolet Suburban Car Insurance 2016 Chevrolet Suburban Car Insurance 2015 Chevrolet Suburban Car Insurance 2014 Chevrolet Suburban Car Insurance 2013 Chevrolet Suburban Car Insurance 2012 Chevrolet Suburban Car Insurance 2011 Chevrolet Suburban Car Insurance 2010 Chevrolet Suburban Car Insurance

2021 Chevrolet Suburban Car Insurance

If you're considering a brand new Chevrolet Suburban, you've got plenty of options. A 2021 Chevrolet Suburban starts at around $51,000 for the base model, with 13 different trim levels to pick from.

When it comes to insurance, on average, it costs about $90 a month to insure a 2021 Chevrolet Suburban for liability only and $161 monthly for full coverage. And if you want the cheapest insurance possible, Gainsco offers liability only policies for sometimes as little as $58 per month.

Even though it helps to know the average price drivers pay to insure a 2021 Suburban, the only way to find out exactly what you'll pay is to get a personalized quote. Luckily, with Compare.com you can get quotes from several companies at once, all for free. Simply enter your ZIP code below to get started.

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2020 Chevrolet Suburban Car Insurance

If you're in the market for a 2020 Suburban or already own one, you're most likely looking at an average car insurance rate of around $67 for liability or $136 for full coverage.

And if you're just looking for the lowest insurance for your Suburban, DirectGeneral offers liability only policies for as cheap as just $45 a month.

Interested in what your auto insurance price could look like? Get multiple customized quotes for free by just entering your ZIP code below.

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2019 Chevrolet Suburban Car Insurance

It costs about $69 monthly for liability or $151 for a full coverage policy for the 2019 Chevrolet Suburban.

Clearcover offered the most affordable policy we found, with rates as little as $32 per month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2018 Chevrolet Suburban Car Insurance

The average cost to insure a 2018 Suburban with liability only coverage is $84 monthly, while full coverage runs around $179 a month.

Looking for the cheapest policy? MetLife offered liability only coverage for as low as $19 per month.

If you want to find the best premiums for car insurance for a 2018 Chevrolet Suburban, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2017 Chevrolet Suburban Car Insurance

You can expect full coverage for a 2017 Chevrolet Suburban to run about $154 a month, while liability only coverage will average around $64 monthly.

We found Safeco offered the lowest policy, with rates as cheap as $36 per month.

Want to figure out exactly what you'll be asked to pay? Just enter your ZIP code below to get lots of customized quotes for free.

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2016 Chevrolet Suburban Car Insurance

2016 Suburban drivers can expect to pay an average of $53 monthly for liability or $160 for full coverage.

If you're looking for the cheapest possible 2016 Chevrolet Suburban insurance policy, MetLife offered the most affordable policy we found, with rates sometimes as cheap as $24 a month.

If you want to know just how much your rate will be, get free quotes in minutes by just entering your ZIP code below.

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2015 Chevrolet Suburban Car Insurance

On average, drivers who own a 2015 Chevrolet Suburban can expect to pay $84 to $151 per month for liability only and full coverage auto insurance, respectively.

MetroMile has prices as low as just $27 a month for the 2015 Chevrolet Suburban.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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2014 Chevrolet Suburban Car Insurance

It costs about $94 monthly for liability or $164 for a full coverage policy for the 2014 Suburban.

With premiums as little as just $33 a month, Mercury offered the lowest policy we found for the 2014 Chevrolet Suburban.

Interested in just how much you'll pay? Just enter your ZIP code below to get a variety of personalized quotes for free.

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2013 Chevrolet Suburban Car Insurance

The average cost to insure a 2013 Chevrolet Suburban with liability only coverage is $75 per month, while full coverage runs around $153 monthly.

With rates sometimes as cheap as $35 per month, Mercury offered the most affordable policy we found.

These average prices are a great starting point if you're in the market for a 2013 Chevrolet Suburban, but there are a whole range of factors that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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2012 Chevrolet Suburban Car Insurance

You can expect full coverage for a 2012 Suburban to run about $141 a month, while liability only coverage will average around $60 monthly.

With premiums as cheap as just $22 per month, Mercury offered the cheapest policy we found for the 2012 Chevrolet Suburban.

If you want to know exactly how much you can expect to pay for your Suburban, just enter your ZIP code below and get free quotes in minutes.

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2011 Chevrolet Suburban Car Insurance

On average, drivers who own a 2011 Chevrolet Suburban can expect to pay $77 to $130 a month for liability only and full coverage insurance, respectively.

We found Mercury offered the lowest policy, with rates as cheap as $24 monthly.

Want something more accurate than nationwide averages? Get lots of personalized quotes for free by just entering your ZIP code below.

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2010 Chevrolet Suburban Car Insurance

2010 Suburban drivers can expect to pay an average of $94 a month for liability or $182 for full coverage.

With rates as low as just $23 monthly, SafeAuto offered the cheapest policy we found.

If you want to know exactly how much you can expect to pay for your Suburban, get free quotes in minutes by just entering your ZIP code below.

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Chevrolet Suburban Insurance FAQs

Is a Chevrolet Suburban expensive to insure?

The Chevrolet Suburban is less expensive to insure compared to the average vehicle. Liability insurance runs an average of $72 per month, while full coverage will cost you around $141.

How can I get the best price on car insurance for my Chevrolet Suburban?

The only way to ensure you're getting the most affordable price on car insurance is to check prices regularly and compare quotes from lots of carriers. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from quite a few companies at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Chevrolet Suburban affect my insurance rates?

Have you heard the old adage that it costs more to insure a red car before? Well, that's actually a myth. While there are many things insurance carriers think about when they offer prices, your Chevrolet Suburban's color is not used to make that determination.

Do I need to have insurance before I buy a Chevrolet Suburban?

Before you can legally drive your new (or new to you) Suburban off the dealership lot, you'll need to have a valid auto insurance policy. Some dealerships will offer you one during the purchase process, but your best bet is letting your car insurance company know beforehand.

What car insurance discounts can I get for my Chevrolet Suburban?

There are a ton of discounts out there when it comes to auto insurance. Many of them (like "safe driver discounts" and "multi-vehicle discounts") are more based on you than the vehicle you drive, but if your Suburban has safety features like anti-lock brakes, airbags, anti-theft systems, and other features, it may qualify for certain discounts. You'll only know about which discounts you qualify for if you talk with your insurance agent and ask about their discounts, since they fluctuate quite a bit from company to company.