Chevrolet's Suburban has been going strong since 1935. Over time, the vehicle has become one of the nation's favorite three-row, full-size luxury SUVs. But no matter what kind of Suburban you drive, it must be protected by the right car insurance.
When you're ready to shop for Suburban insurance, a local independent insurance agent can also help you find the best coverage. They know which carriers offer quality Chevrolet insurance at a great rate. But first, here's a breakdown of Chevy Suburban insurance costs by model year and top-rated insurance company for 2026.
Key Takeaways - Chevrolet Suburban Car Insurance
Chevrolet Suburban insurance costs an average of $1,968 per year, or approximately $164 per month, for full coverage in 2026.
Chevy Suburban insurance rates vary widely by state, with drivers in Michigan paying an average of $4,935 per year for full coverage, while those in Hawaii pay only $1,179.
American Family, Progressive, and Nationwide are the cheapest carriers for model-year 2025 Chevy Suburban insurance this year.
Teens and young drivers pay by far the most, on average, for Chevy Suburban insurance, while adults pay the least until they reach their senior years.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Chevrolet Suburban model.
What Is Chevrolet Suburban Insurance?
Chevy Suburban insurance is a car insurance policy designed to protect the unique features and characteristics of this specific vehicle. As a full-size SUV and a luxury vehicle, the Suburban may need special protection beyond that of a sedan. However, its average insurance rates are more affordable than for many other vehicles, including other full-size SUVs.
Recommended coverage options for Chevrolet Suburban drivers:
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving an uninsured or underinsured driver, or after a hit-and-run.
Add-on coverage options worth considering for a Chevrolet Suburban:
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Chevy parts during the repair process.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
- Chevrolet warranty insurance: This can extend Chevrolet's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- Gap insurance: If you have a new or financed Chevy vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
Your state likely requires certain types of car insurance by law. A local independent insurance agent can help you get set up with all the mandatory Chevy Suburban insurance for your area.
How Much Does Chevrolet Suburban Insurance Cost?
Car insurance for a Chevrolet Suburban costs an average of $1,968 per year, or approximately $164 per month for full coverage. In addition to the vehicle's make and model, multiple factors can impact the cost of Chevy insurance premiums, such as:
- Your marital status
- Your driving record
- The coverage you select
- The deductible you choose
- Your age and gender
- Your credit score (where allowed)
- Your location
An independent insurance agent can help you find affordable Chevrolet Suburban insurance near you.
Is the Chevrolet Suburban Expensive to Insure?
No, the Chevy Suburban is not expensive to insure compared to other vehicles, including other Chevrolets. The table below compares the average monthly premium for the Suburban against other Chevrolet vehicles and other vehicles.
| Vehicle | Average Monthly Cost of Full Coverage |
| Chevrolet Suburban | $164 |
| Chevrolet Vehicles | $167 |
| Other Vehicles | $175 |
Chevrolet Suburban Insurance Costs by Model Year
Next, we'll break down several model years of the Chevrolet Suburban and the average insurance costs for each.
| Model Year | Average Annual Cost of Full Coverage |
| 2026 Chevrolet Suburban | $2,388 |
| 2025 Chevrolet Suburban | $2,456 |
| 2024 Chevrolet Suburban | $2,676 |
| 2023 Chevrolet Suburban | $1,911 |
| 2022 Chevrolet Suburban | $973 |
| 2021 Chevrolet Suburban | $684 |
| 2020 Chevrolet Suburban | $954 |
| 2019 Chevrolet Suburban | $930 |
| 2018 Chevrolet Suburban | $689 |
| 2017 Chevrolet Suburban | $668 |
| 2016 Chevrolet Suburban | $592 |
| 2015 Chevrolet Suburban | $739 |
| 2014 Chevrolet Suburban | $844 |
| 2013 Chevrolet Suburban | $584 |
| 2012 Chevrolet Suburban | $682 |
| 2011 Chevrolet Suburban | $761 |
| 2010 Chevrolet Suburban | $609 |
Cheapest Chevrolet Suburban Car Insurance Companies for 2026
Affordable Chevy Suburban insurance is available from many carriers across the U.S. These top-rated car insurance companies provide the cheapest 2025 Chevrolet Suburban insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| American Family | $1,705 |
| Progressive | $1,851 |
| Nationwide | $1,972 |
| USAA | $2,042 |
| Erie | $2,221 |
| Allstate | $3,986 |
Chevrolet Suburban Car Insurance Rates by State and Driver Profile
Your location, driving history, and credit history can significantly affect car insurance costs. Here are some average Chevy Suburban car insurance rates by state and driver profile for 2026.
| State | Clean Record | Accident on Record | Poor Credit |
| Alabama | $2,581 | $3,753 | $4,770 |
| Alaska | $2,186 | $2,957 | $2,863 |
| Arizona | $2,436 | $3,536 | $5,149 |
| Arkansas | $2,662 | $4,202 | $4,589 |
| California | $2,945 | $5,247 | $2,988 |
| Colorado | $2,797 | $3,813 | $4,901 |
| Connecticut | $3,526 | $5,491 | $6,885 |
| Delaware | $2,925 | $3,861 | $4,973 |
| Florida | $3,426 | $4,787 | $6,228 |
| Georgia | $2,788 | $4,254 | $4,281 |
| Hawaii | $1,179 | $1,575 | $1,143 |
| Idaho | $1,942 | $2,614 | $3,196 |
| Illinois | $2,023 | $3,154 | $3,564 |
| Indiana | $2,154 | $3,221 | $3,611 |
| Iowa | $1,633 | $2,324 | $2,737 |
| Kansas | $2,178 | $3,224 | $3,769 |
| Kentucky | $3,252 | $4,687 | $5,537 |
| Louisiana | $4,167 | $6,285 | $6,751 |
| Maine | $1,611 | $2,149 | $3,175 |
| Maryland | $2,522 | $3,713 | $4,121 |
| Massachusetts | $1,987 | $3,555 | $2,019 |
| Michigan | $4,935 | $7,500 | $11,740 |
| Minnesota | $2,031 | $2,707 | $3,808 |
| Mississippi | $2,405 | $3,470 | $3,502 |
| Missouri | $2,265 | $3,270 | $4,341 |
| Montana | $2,340 | $3,219 | $3,781 |
| Nebraska | $1,934 | $2,950 | $3,175 |
| Nevada | $3,244 | $4,794 | $5,107 |
| New Hampshire | $2,248 | $3,545 | $4,500 |
| New Jersey | $2,513 | $3,940 | $5,070 |
| New Mexico | $2,522 | $3,785 | $3,884 |
| New York | $2,327 | $2,984 | $4,947 |
| North Carolina | $1,427 | $2,489 | $1,819 |
| North Dakota | $2,037 | $3,031 | $3,581 |
| Ohio | $1,768 | $2,733 | $2,775 |
| Oklahoma | $2,819 | $4,116 | $4,584 |
| Oregon | $2,598 | $3,477 | $4,150 |
| Pennsylvania | $2,195 | $3,200 | $3,788 |
| Rhode Island | $3,617 | $5,359 | $5,994 |
| South Carolina | $2,506 | $3,419 | $4,766 |
| South Dakota | $2,199 | $3,233 | $3,658 |
| Tennessee | $2,574 | $3,862 | $5,086 |
| Texas | $2,640 | $3,750 | $4,760 |
| Utah | $2,220 | $3,121 | $4,326 |
| Vermont | $1,689 | $2,604 | $2,803 |
| Virginia | $1,634 | $2,536 | $2,450 |
| Washington | $2,184 | $2,909 | $3,467 |
| West Virginia | $2,126 | $3,097 | $3,875 |
| Wisconsin | $2,179 | $3,362 | $3,789 |
| Wyoming | $1,995 | $2,854 | $2,990 |
Average Chevrolet Suburban Insurance Rates by Age and Driver Profile
Age is another major factor in determining car insurance costs. Teens and young drivers typically pay the most for auto insurance by far, while adults pay the least until they reach their senior years, when rates begin to climb again. Here are some average Chevy Suburban insurance rates by driver age and profile in 2026.
| Driver Age | Clean Record | Accident on Record | Poor Credit |
| 18 | $7,664 | $11,327 | $13,235 |
| 20 | $5,965 | $8,769 | $10,183 |
| 25 | $3,468 | $5,124 | $5,937 |
| 30 | $2,715 | $4,004 | $4,664 |
| 35 | $2,539 | $3,750 | $4,326 |
| 40 | $2,436 | $3,548 | $4,228 |
| 45 | $2,343 | $3,503 | $4,107 |
| 55 | $2,222 | $3,192 | $3,770 |
| 65 | $2,318 | $3,322 | $3,894 |
| 75 | $2,859 | $4,179 | $4,941 |
Best Chevrolet Suburban Insurance Discounts: How to Lower Your Chevy Suburban Insurance Premiums
Reducing your Chevy Suburban insurance rates can be easy when you follow any of these simple steps:
- Ask about Chevy Suburban insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Chevy Suburban insurance from a trusted carrier near you.
- Compare quotes from multiple carriers: Comparing Chevrolet Suburban insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Ask about telematics programs: Your insurance company or Chevrolet may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
An independent insurance agent can help you find the cheapest Chevy Suburban coverage in your town. They can also help you reduce your premium rates even further by following these steps and recommending additional strategies.
An Independent Insurance Agent Can Help You Get the Best Chevrolet Suburban Insurance Quotes
When it's time to find the most affordable Chevrolet Suburban insurance, no one's better equipped to help than a local independent insurance agent. These agents know where to find the best Chevy Suburban insurance coverage and rates, and can shop and compare quotes and policy options from several carriers for you.
Even better, they'll help you score any discounts you're eligible for to lower your premium rates even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Chevrolet Suburban Insurance
How much does Chevrolet Suburban insurance cost per year?
The average annual cost of full coverage for a Chevy Suburban is $1,968 per year, or approximately $164 per month. The cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Chevrolet Suburban insurance premiums?
If you've filed claims in the past, have any accidents or traffic violations on your record, or live in a high theft-risk area, these factors can all increase the cost of Chevy Suburban insurance.
Is the Chevrolet Suburban expensive to insure?
No, the Chevy Suburban isn't expensive to insure when compared to other vehicles, including other Chevrolets.
What are the best and cheapest carriers for Chevy Suburban insurance in 2026?
We found that American Family, Progressive, and Nationwide are the best and cheapest car insurance companies for model-year 2025 Chevrolet Suburban insurance this year.
How can I get cheaper Chevrolet Suburban insurance?
Finding cheaper Chevy Suburban insurance is easy when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
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Sources
https://www.insuranceopedia.com/auto-insurance/chevrolet-suburban-car-insurance
https://www.thezebra.com/auto-insurance/vehicles/chevrolet/suburban/