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November 11, 2020

Best Car Insurance for SUVS Both New and Used

It is no surprise when we say that the COVID-19 pandemic dealt a significant blow to many big businesses and the economy at large. This setback has forced many people to tighten up on their budgets, seek out cheaper deals, and cut down on unnecessary costs. This is nowhere more evident than in the car insurance market. 

One of the best advice you could get for the year 2020 is to go small on SUV purchases. The reason behind this is that besides the considerable enormous cost it takes to secure a standard SUV, the insurance costs can also be quite expensive. If you are not feeling up to it, the best option would be to go for a cheaper SUV—the sport-utility type. These bad boys also give the feel of a regular SUV while leveraging a comparable crossover’s portability. Best still, you get a more affordable deal on insurance and ownership costs.

In this article, we are going to be discussing the ten best car insurance for SUV. Note that this list is in no particular hierarchical order. Consideration of All SUVs mentioned rests on factors like;

  • Size,
  • Quality,
  • Affordability.

Kia Sportage

You could not talk about compact SUVs without mentioning Kia Sportage. Kia Sportage transitioned the car industry to a new era of sleek, compact SUV back in 1994. Since then, the Kia Sportage has been unrelenting in delivery and class, not to mention its trademark seven-year warranty.

The Kia Sportage is the perfect family-size vehicle fit for easy town commuting. It is very sophisticated with a lot of room, and of course, it comes with many other great features such as a high-performing AC unit, a superior alloy wheel, and a unique fog light. It merely is a value-packed commensurate for the standard going price and is undoubtedly one of the cheapest crossover SUVs to insure.

  • Basic Insurance Premium: $714 annually
  • Monthly Financing: $189

Nissan Juke

The Nissan Juke is considerably one of the most uncomplicated and affordable compact SUVs in the market today. Although it has some shortcomings like insufficient room space and deliverability, it is still an excellent consideration. The Nissan Juke also has other nice features like beautiful interiors, great aesthetics, and a sport-utility drive feel, all of which makes it worth a try. It has one of the cheapest annual insurance premiums of any compact SUV.

  • Basic Insurance Premium: $661 annually
  • Monthly Financing: $156


Seat Ateca

The Seat Ateca is an ultra-modern, spacious, and stylish SUV. It is a perfect vehicle for a small-sized family of 4 to 5. Very easy to maintain and easy on the hands, the Seat Ateca is an exquisite pick any day. However, these pecks come at a price, but considering its competitors from other major car companies like Nissan and Renault, the Seat Ateca is such a steal! Basic insurance Premium also is entirely on the fair side, which puts it way ahead of many of its contemporaries in the compact SUV industry.

  • Basic Insurance Premium: $657 annually
  • Monthly Finance: $184


Suzuki Vitara

The Vitara might not be one of the most stylish and sophisticated of all Suzuki SUV collections, but it is quite affordable. The Suzuki Vitara serves as a family type utility vehicle for those shopping trips around town. It can equally spot as a cross-country automobile. It has a moderately-sized interior, comfy cushions, modern dashboards with nice-enough classic fittings.

But what makes this SUV tick for many people is its fuel-efficiency and rugged nature on the roads. The downside to it, though, is its limited boot size not suitable for a lot of luggage.

  • Basic Insurance Premium: $712 annually
  • Monthly Financing: $188

Renault Captur

The Renault Captur has the same basic features as the Renault Clio, but this bad boy is slightly bigger. It also has a longer shape, which gives its tough and bold look. Consequently, this SUV has a larger space than its Clio predecessor with a well-sized boot room, relatively uncommon with compact SUVs. Another great is plus for the Renault Captur is that it is very fuel-efficient, which makes it one of our top picks on this list.

  • Basic Insurance Premium: $874 annually
  • Monthly Financing: $152

SsangYong Tivoli

SsangYong Tivoli is a product from South Korean automobile company, SsangYong. SsangYong is not a very popular brand, but it has been around the block for quite some time. The company has been responsible for manufacturing some of the toughest compact SUVs in the market today. The SsangYong Tivoli is its flagship product in the SUV market, and by all standards, it is a pretty reliable vehicle. Its performance rates are very high, with a very comfortable and spacious interior. The SsangYong Tivoli is a great pick any day, primarily if you aim to cut down on cost.

  • Basic Insurance Premium: $708 annually
  • Monthly Financing: $186


Jeep Wrangler

The Jeep Wrangler remains one of the most rugged mini-SUVs ever to grace the market. It is a four-wheel-drive with a soft touch to the hand. This car can double as a luxury cruise vehicle as well as an expedition automobile. It is no wonder it has a colossal reputation spanning decades since its first release. What makes the Jeep Wrangler even more impressive is that it is one of the cheapest luxury mini-SUVs to insure. With a plethora of top-of-the-range features, the Jeep Wrangler is always a sure pick any day of the week.

  • Basic Insurance Premiums: $923 annually
  • Monthly Finance: $279

2016 Jeep Wrangler Unlimited

With a few more bucks laying around, you can get the Jeep Wrangler Unlimited Edition. It has some cool updated features from the regular wrangler, such as the two extra doors. Even with additional features, the Jeep Wrangler Unlimited is still gentle on the pocket when it comes to monthly Financing and annual insurance premiums. You would be amazed to find out just how many tweaks were made to the Wrangler Unlimited. For one, it is a whopping 20-inches longer than its predecessor. Not only that, the Wrangler Unlimited has a larger interior space with enough leg room—more so than even many compact SUVs available in the market today.  At the current going rate, the Jeep Wrangler is nothing short of the perfect bargain.

  • Basic Insurance Premiums: $923 annually
  • Monthly Finance: $290


GMC Yukon

The GMC Yukon is one of the relatively inexpensive SUVs in the automobile market to ensure. This vehicle is better equipped to the brim with standard utilities, sophisticated GPS, and audio technologies. To top it all, the GMC Yukon comes with an efficient fuel filter compartment, which makes for a cleaner, debris-free experience when filling up.

  • Basic Insurance Premiums: $1060 annually
  • Monthly Finance: $279


2016 Chevrolet Tahoe

The 2016 Chevrolet Tahoe is our last pick for this series. It is among the cheapest insurance to have on any standard SUV. When you consider the great features and additional pecks that come with owning this vehicle, it is nothing short of a cheat! The 2016 Chevrolet Tahoe has a great GPS, a large touch-screen control panel, 4G and Wifi connectivity, smartphone third-party integration. You can’t talk about this car without mentioning its large trademark interior. The Tahoe is a jumbo fully-sized SUV with seats to carry an average of 9 persons. It also has an immense luggage capacity compared to any other SUV you can consider.

  • Basic Insurance Premium: $1228 annually
  • Monthly Finance: $585


Frequently Asked Questions (FAQ)

Do I need insurance for an SUV?

Just like with regular sedans, all SUV are legally mandated to have third party insurance coverage at all times. There are no specialty clauses attached to which automobiles should have insurance. Some form of insurance coverage is a requirement for All automobiles from cars, trucks, and SUVs.

Does SUV car insurance operate differently?

Have in mind that not all insurance companies provide coverage for SUVs. However, most of them do. As such,  It is still a vast market, and all industry players are taking a chunk off it. Don’t expect any special treatment when it comes to SUVs. It is the same with a regular sedan or other forms of an automobile.

What is the amount of coverage I can get with my SUV?

There are typically three levels of insurance coverage you can get with an SUV. They are as follows:

  • Full coverage: This gives you a full range in terms of repair, damage, and medical expenses for you, your SUV, and other affected persons.
  • Third-party, theft, and fire: Provides cover for others and their vehicles. You also get cover if you have your car damaged or stolen.
  • Third-party only: This only provides property and medical cover for people whose vehicle you damaged. Damages you may acquire are not covered in the agreement.







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