Minivan vs SUV Car Insurance Rates – Which is Cheaper?

In the battle of minivan vs SUV car insurance rates, which one will cost less to insure? We compare minivan insurance rates to compact, midsize, and large SUVs to find out.

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There is an epic battle between minivans and SUVs, with some drivers swearing they would never be caught in a minivan. My wife said the same thing until she test drove and ended up buying a Honda Odyssey.

After trading the Odyssey, the car sequence went Chevy Traverse, Chevy Suburban, Honda CR-V. So we have plenty of experience owning, driving, and insuring minivans as well as compact, midsize, and full-size SUVs.

The convenience of having more space and especially the ability to open side doors by pushing a button was enough to sway my wife, and I’m sure plenty of other drivers, who previously swore off minivans.

In this article, we are going analyze car insurance cost for minivans and all sizes of SUVs to find an answer to the question: Is car insurance cheaper for a minivan or SUV?

Minivan vs SUV car insurance rates

Minivans have basically one size, which is considered midsize for most comparisons. SUVs, however, come in a lot of different sizes, from compact models like the Ford Escape and Nissan Rogue up to the full-size beasts like the Ford Expedition and Chevy Suburban.

For our minivan versus SUV car insurance comparison, we’ll cover the minivan car insurance rates first, then we will compare those rates to each SUV segment and see which comes out on top.

Minivan car insurance rates

For 2022 minivan models, the cheapest minivan car insurance rate goes to the Honda Odyssey, costing an average of $1,422 per year. The most expensive minivan to insure is the Toyota Sienna, costing $1,598 per year.

It will cost around $176 more to insure a Toyota Sienna each year compared to the cheapest minivan to insure, the Honda Odyssey. Going forward with our minivan vs SUV car insurance rate comparison, the average cost to insure a 2022 model year minivan is $1,536 per year.

The table below details each minivan model and the average annual and monthly budgeting amounts for each.

2022 Minivan Insurance Cost Comparison
Rank Make/Model Annual Cost Monthly Cost
1Honda Odyssey$1,422$119
2Chrysler Pacifica$1,530$128
3Kia Carnival$1,592$133
4Toyota Sienna$1,598$133

    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 August 5, 2022
    2022 Minivan Insurance Cost Comparison

    Minivan vs compact SUV car insurance rates

    Now that we know the average car insurance cost for a 2022 model year minivan is $1,536, we can dive into the compact SUV segment to see what the average annual insurance cost for those models tallies up to.

    Average car insurance rates for the 2022 compact SUV segment ranges from the Mazda CX-5 at $1,158 per year to the Jeep Wrangler at $1,746 per year. The average cost of insurance for the compact SUV segment is $1,426 per year.

    Based on the $1,426 figure, a compact SUV on average will cost around $185 less to insure each year than a minivan.

    This conclusion uses average rates, however, so for your own comparison, look at the actual average annual rate for each model you are considering. For example, if you are looking at buying either a Honda Odyssey minivan or a Hyundai Nexo compact SUV, the Nexo actually costs about $200 more per year to insure than the Odyssey.

    Small SUV Insurance Cost Comparison
    Rank Make/Model Annual Cost Monthly Cost
    1Mazda CX-5$1,158$97
    2Nissan Kicks$1,190$99
    3Chevrolet Trailblazer$1,196$100
    4Subaru Crosstrek$1,224$102
    5Toyota C-HR$1,254$105
    6Buick Encore$1,260$105
    7Nissan Rogue Sport$1,272$106
    8Hyundai Venue$1,294$108
    9Buick Envision$1,298$108
    10Kia Seltos$1,300$108
    11Toyota Corolla Cross$1,310$109
    12Hyundai Kona$1,318$110
    13Subaru Forester$1,320$110
    14Volkswagen Tiguan$1,324$110
    15Honda CR-V$1,336$111
    16Mazda CX-30$1,350$113
    17Honda HR-V$1,370$114
    18Ford Ecosport$1,380$115
    19Chevrolet Trax$1,398$117
    20GMC Terrain$1,404$117
    21Mitsubishi Eclipse Cross$1,408$117
    22Hyundai Tucson$1,416$118
    23Chevrolet Bolt$1,420$118
    24Chevrolet Equinox$1,424$119
    25Volkswagen Taos$1,428$119
    26Fiat 500X$1,434$120
    27Toyota RAV4$1,440$120
    28Kia Soul$1,442$120
    29Mazda MX-30$1,472$123
    30Jeep Compass$1,478$123
    31Kia Niro$1,480$123
    32Nissan Rogue$1,492$124
    33Ford Escape$1,498$125
    34Hyundai Ioniq 5$1,514$126
    35Mini Cooper Clubman$1,516$126
    36Jeep Renegade$1,518$127
    37Kia Sportage$1,524$127
    38Ford Bronco$1,532$128
    39Volkswagen ID4$1,554$130
    40Mini Cooper$1,564$130
    41Mini Cooper Countryman$1,582$132
    42Mitsubishi Outlander$1,640$137
    43Mitsubishi Mirage$1,658$138
    44Ford Mustang Mach-E$1,726$144
    45Hyundai Nexo$1,744$145
    46Jeep Wrangler$1,746$146

      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 August 5, 2022
      Small SUV Insurance Cost Comparison

      Minivan vs midsize SUV car insurance rates

      Now that we know that compact SUVs on average are cheaper to insure than minivans, lets move up to the midsize SUV segment to see how car insurance rates compare.

      For midsize SUVs, the Honda Passport has the cheapest car insurance rates at $1,224 per year for full coverage. The Rivian R1S is the most expensive model to insure at $1,902 per year. The overall average cost of midsize SUV car insurance is $1,544 per year.

      Remember, the average minivan car insurance rate is $1,490 per year, so the average midsize SUV costs $37 more per year to insure than a minivan for the 2022 model year.

      Again, average car insurance rates are just a gauge for each segment as a whole. Be sure to compare the specific rates for each vehicle you are considering in order to make a more accurate cost comparison.

      If you want to get even more precise, click over to each of the specific model pages (linked from Make/Model name in each table) in order to get car insurance rates for the different trim levels of each model. Car insurance rates can vary considerably based on trim level.

      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 August 5, 2022
        Midsize SUV Insurance Cost Comparison

        Minivan vs large SUV car insurance rates

        Last but not least, we look at average car insurance rates for the full-size SUV segment. This isn’t a very large segment numbers-wise, similar to the minivan segment. But these are the gas-guzzling brutes that offer the most hauling capacity and also the highest price tags.

        Average car insurance rates for full-size SUVs range from the Chevrolet Tahoe at $1,532 per year to Jeep Grand Wagoneer at $2,030 per year. The overall average car insurance rate for all 2022 large SUV models is $1,720 per year.

        When compared to average minivan insurance cost, it will cost $230 more per year to insure a large SUV than a minivan.

        As mentioned before, it’s more useful to compare average rates for each specific vehicle than to use the average segment car insurance rates. For example, comparing insurance rates for the Honda Odyssey minivan to the Toyota Sequoia full-size SUV only results in a $10 car insurance cost difference.

        And to get more specific, if you compare the insurance cost for a Honda Odyssey Elite trim level to the Toyota Sequoia SR5 2WD model, the Odyssey actually costs $32 more per year at $1,520 versus $1,488 for the Sequoia.

        Large SUV Insurance Cost Comparison
        Rank Make/Model Annual Cost Monthly Cost
        1Chevrolet Tahoe$1,532$128
        2Chevrolet Suburban$1,578$132
        3Toyota Sequoia$1,586$132
        4Ford Expedition$1,622$135
        5Nissan Armada$1,690$141
        6GMC Yukon$1,694$141
        7Jeep Wagoneer$1,820$152
        8GMC Hummer EV$1,928$161
        9Jeep Grand Wagoneer$2,030$169

          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 August 5, 2022
          Large SUV Insurance Cost Comparison

          Minivan vs SUV insurance battle conclusion

          We covered a lot of rates in this article, and there are two things we can conclude:

          1. Minivan car insurance, on average, is cheaper than both midsize and large SUVs
          2. Minivan insurance, on average, is more expensive than compact SUVs

          But as noted throughout the article, it’s better to compare car insurance rates for specific models than to use segment averages. However, it is useful to know that overall, a compact SUV will probably cost less to insure than a minivan. Or that buying a midsize or large SUV will probably cost more to insure than a minivan.

          In the end, the best way to know if car insurance is cheaper for a minivan or SUV is to just get some free car insurance quotes. This will give you a much more accurate idea of how much auto insurance will cost based on your specific age, driving characteristics, and vehicle, than using overall average rates.

          If you were really paying attention to the models we used on our SUV comparisons, you may have noticed there are no luxury brands like Acura, Lexus, BMW, Mercedes-Benz, etc.

          We reserve those models for their own luxury car insurance and luxury SUV insurance comparisons due to the higher average cost of car insurance. Since there are no “luxury” minivans per se, it just makes sense to compare the cost of minivan insurance to mainstream “affordable” SUVs. We say “affordable” tongue-in-cheek because the MRSP of a Chevy Suburban High Country trim level STARTS at $77,095 before additional options are added. Ouch.