Midsize SUV Insurance Rate Comparisons

The mid-size SUV class includes popular vehicles like the Ford Explorer and Honda Pilot, and insurance rates average from about $100 to over $140 a month for full coverage.

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Small SUVs and CUVs (Crossover Utility Vehicles) are the fastest growing segment in the automotive industry. In 20 years, the segment has grown to over 40% of the market and has shown no signs of slowing down.

With such a market dominance, how do small SUVs fare on the insurance side? Surprising well, actually. Costing on average less than 5% more than the average midsized car, small SUVs have a slight disadvantage in fuel economy numbers but more than make up for it with affordable auto insurance rates.

How much does it cost to insure a midsize SUV?

For the 2022 model year, the Honda Passport has the cheapest cost of insurance at $1,224 per year for full coverage. On the high end, the Rivian R1S checks out at $1,902 for an annual policy. The average cost of insurance for all midsize SUVs is $1,544 per year.

The argument can be made that the Tesla Model Y would fit better in the midsize luxury SUV segment, or even classified as a car and not a SUV since it’s a CUV (Compact Utility Vehicle) that definitely leans more toward the compact side. But since Tesla categorizes the Model Y as a midsize SUV, who are we to argue?

The 29 vehicles in the midsize SUV segment are shown below with the estimated annual and monthly cost of car insurance for each.

Midsize SUV Insurance Cost Comparison
Rank Make/Model Annual Cost Monthly Cost
1Honda Passport$1,224$102
2Subaru Ascent$1,310$109
3Ford Edge$1,374$115
4Subaru Outback$1,398$117
5Nissan Murano$1,416$118
6Toyota Venza$1,424$119
7Ford Explorer$1,434$120
8Kia Sorento$1,444$120
9Hyundai Palisade$1,462$122
10Volkswagen Atlas$1,472$123
11Toyota 4Runner$1,488$124
12Volkswagen Atlas Cross Sport$1,528$127
13Mazda CX-9$1,530$128
14GMC Acadia$1,532$128
15Toyota Highlander$1,534$128
16Nissan Pathfinder$1,540$128
17Honda Pilot$1,546$129
18Mitsubishi Outlander Sport$1,548$129
19Buick Enclave$1,562$130
20Chevrolet Traverse$1,568$131
21Hyundai Santa Fe$1,590$133
22Kia Telluride$1,596$133
23Chevrolet Blazer$1,610$134
24Jeep Grand Cherokee$1,680$140
25Jeep Cherokee$1,692$141
26Mitsubishi Outlander PHEV$1,768$147
27Dodge Durango$1,788$149
28Tesla Model Y$1,804$150
29Rivian R1S$1,902$159

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 13, 2022
    Midsize SUV Insurance Cost Comparison

    In order to estimate insurance rates, some assumptions have to be made, and those can be found by clicking on the “View Data Details” button below the table. Most importantly, the rates are factored for a middle-aged safe driver with physical damage deductibles of $500 for both comprehensive and collision coverage.

    When comparing insurance costs for different vehicle segments, we attempt to keep model comparisons as “apples-to-apples” as possible. This means filtering out the midsize luxury SUVs, as they skew the cost of insurance upwards when compared to more affordable, mainstream models.

    Which midsize SUV has the cheapest insurance cost?

    The cheapest 2022 model year midsize SUV to insure is the Honda Passport, costing $1,224 annually. For a semi-annual or 6-month policy term, expect to pay around $612. For monthly budgeters, this equates to about $102 each month.

    Second and third place honors for the cheapest insurance in the midsize SUV segment go to the Subaru Ascent, costing $1,310 per year, and the Ford Edge at $1,374 annually.

    Also see our complete SUV car insurance cost comparison including compact and full-size models to find out overall what is the cheapest SUV to insure.

    Which midsize SUV has the highest insurance cost?

    The midsize SUV with the most expensive insurance is the Rivian R1S, costing an estimated $1,902 per year. It will cost around $678 more to insure a Rivian R1S each year compared to the cheapest midsize SUV to insure, the Honda Passport.

    As mentioned before, the Tesla is somewhat of the odd vehicle in this roundup. If keeping strictly to gas burners, the Jeep Cherokee and Dodge Durango would fall into the most expensive spots, with the Durango costing slightly more. The Mitsubishi Outlander PHEV is a plug-in hybrid vehicle.

    Technically, the Cherokee could be classified as a compact or small SUV, but the Jeep Compass, Wrangler, and Renegade are all better fits for the small SUV class.

    What does the average midsize SUV cost to insure?

    Taking an average of all 29 vehicles in our midsize SUV insurance cost comparison, the average rate is around $1,544 per year. Considering the national average for all vehicles is about $1,567 each year, the cost to insure the average midsize SUV is just slightly more than the average.

    An important note about the estimated rates is the fact that your location and the exact trim level of your vehicle are two big factors in determining the rate you pay. We average rates across all trim levels for each model as well as across all U.S. states.

    There is a good chance that your actual rate could actually be higher or lower than the estimated average, which highlights the importance of actually getting car insurance quotes based on your zip code and vehicle details.

    There are four midsize SUVs that rank closely at the top of the rankings. The most popular midsize SUV is the Jeep Grand Cherokee with the Toyota Highlander, Jeep Wrangler, and Ford Explorer filling the #2 through #4 spots.

    The most notable performer in the midsize SUV segment is the Jeep Grand Cherokee. It was second place behind the Highlander for 2020 and has overtaken the Toyota for the top spot by about 8,000 sales for the third quarter of 2021.