Understanding Chevrolet Suburban Insurance Costs: Ultimate Guide for 2025

How much will it cost to insure a Chevy Suburban? We explore average insurance rates from the LS model up to the High Country trim level to see how rates compare to other large SUVs.

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How much does Chevy Suburban insurance cost?

Chevrolet Suburban car insurance averages around $2,324 per year for full coverage. Average monthly insurance cost ranges from $182 to $204, depending on the trim level being insured.

With the average large SUV costing $2,587 a year to insure, the Suburban insurance could save an average of $263 less per year to insure when compared to similar vehicles.

The chart below details how average Suburban car insurance rates vary depending on the age of the driver and comprehensive and collision deductibles.

The annual policy rates shown vary from the cheapest rate of $1,634 per year for a driver age 60 with a deductible of $1,000 to the highest rate of $5,392 annually for a 20-year-old driver with a $250 policy deductible.

Average 2024 Chevrolet Suburban car insurance premiums for different driver ages and policy deductibles.
Figure 1: Average 2024 Chevrolet Suburban car insurance premiums for different driver ages and policy deductibles. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average premiums are based on a 2024 model year Chevrolet Suburban. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels.

2024 Chevrolet Suburban Insurance Cost by Driver Age and Deductibles
Driver Age Policy Deductible Annual Premium Cost Per Month
20-Year-Old$1,000$3,950$329
$500$4,652$388
$250$5,392$449
30-Year-Old$1,000$2,080$173
$500$2,474$206
$250$2,884$240
40-Year-Old$1,000$1,962$164
$500$2,324$194
$250$2,702$225
50-Year-Old$1,000$1,748$146
$500$2,060$172
$250$2,384$199
60-Year-Old$1,000$1,634$136
$500$1,926$161
$250$2,230$186

Data Methodology: Rated driver has no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for the 2024 Chevrolet Suburban. Updated June 27, 2025

The chart above plots a pretty small number of insurance cost estimates from an enormous number of possibilities. The reason for this is that if we displayed every rate for every possible risk profile, including all 11 Suburban trim levels and all 41,000+ zip codes in the U.S., the chart would have over 1,064,448,000,000 possible rates.

To help readers grasp how much variability there is in insurance cost, keep in mind that a liability-only insurance policy on an older Chevrolet Suburban in the cheapest areas of Wisconsin or North Carolina can be as cheap as $237 a year, while a newly-licensed teen driver with a couple of driving violations and a few accident claims in specific Louisiana zip codes may have to pay as much as $17,570 a year for a policy that provides full coverage.

Suburban insurance cost vs. other large SUVs

The Chevy Suburban ranks second out of nine total vehicles in the large SUV category. The Suburban costs an average of $2,324 per year to insure for full coverage, while the segment average rate is $2,587 annually, a difference of $263 per year.

That’s not to say that the Suburban will always cost more than other vehicles in the class, as rates are averaged for all different trim levels for each vehicle. A base-level Suburban trim will most likely cost quite a bit less to insure than a high-end Yukon or Expedition.

When 2024 Suburban insurance rates are compared to the best-selling models in the large SUV category, the  Suburban costs $126 more per year than the Chevrolet Tahoe, $200 less than the Ford Expedition, $198 less than the GMC Yukon, and $104 less than the Nissan Armada.

The chart below shows average car insurance rates for the entire 2024 large SUV vehicle segment, and how the Suburban compares to other models.

Average 2024 Chevrolet Suburban car insurance premium compared to other large SUV models.
Figure 2: Average 2024 Chevrolet Suburban car insurance premium compared to other large SUV models. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for a 2024 model year Chevrolet Suburban. Rated driver is a 40-year-old married male driver with a clean driving record and no at-fault accidents. Average premium includes all Chevrolet Suburban trim levels. Comprehensive and collision deductibles are $500 and rates are averaged for all U.S. states.

Chevrolet Suburban Insurance Cost Compared to All Large SUVs
Rank Make and Model Annual Premium Difference
1Chevrolet Tahoe$2,198-$126
2Chevrolet Suburban$2,324--
3Nissan Armada$2,428$104
4GMC Yukon$2,522$198
5Ford Expedition$2,524$200
6Jeep Grand Wagoneer$2,720$396
7GMC Hummer EV$2,728$404
8Jeep Wagoneer$2,912$588
9Toyota Sequoia$2,930$606

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each vehicle from the 2024 model year. Updated June 27, 2025

Another useful metric is finding out how the cost of insurance on a Chevrolet Suburban compares to large SUV models with similar average MSRP. A 2024 Suburban has an average sticker price of $69,768, before delivery charges and dealer fees.

The models in the full-size SUV segment closest in cost to the Suburban for the 2024 model year are the Toyota Sequoia, Chevrolet Tahoe, Ford Expedition, and GMC Yukon.

The next list shows how those models compare to the Suburban by purchase price and insurance policy cost.

  • Compared to the Toyota Sequoia – The purchase price for the Toyota Sequoia averages $2,418 more than the average sticker price for the Suburban ($72,186 compared to $69,768). Full-coverage insurance on the Toyota Sequoia costs an average of $606 more annually than the Chevrolet Suburban.
  • Compared to the Chevrolet Tahoe – The Chevrolet Tahoe retails for an average of $66,777 ($60,875 to $78,295), which is $2,991 cheaper than the average cost for the Suburban. Expect to pay approximately $126 less every 12 months to insure the Chevrolet Tahoe compared to a Suburban.
  • Compared to the Ford Expedition – With an average sticker price of $72,840 ($55,525 to $89,235), the Ford Expedition costs $3,072 more than the MSRP for the Suburban. Full-coverage insurance on the Ford Expedition costs an average of $200 more every 12 months than the Chevrolet Suburban.
  • Compared to the GMC Yukon – Having an average price of $73,879 ($59,295 to $99,450), the GMC Yukon costs $4,111 more than the Suburban. The cost to insure a Chevrolet Suburban compared to the GMC Yukon is $198 less annually on average.

See our car insurance rate comparisons index for additional Suburban comparisons plus a full list of other makes and models.

What is the cheapest Suburban insurance?

The cheapest Chevy Suburban car insurance rates can be found on the LS 2WD at an estimated $2,184 per year, or about $182 per month. The next cheapest model is the LS 4WD at $2,230 per year, and the third cheapest trim level to insure is the LT 2WD at $2,264 per year.

The most expensive models of Suburban to insure are the two and four-wheel drive versions of the Premium trim at $2,420 per year. Those two models will cost an extra $258 per year over the cheapest LS 2WD model.

The rate table below shows average auto insurance rates for yearly and semi-annual policy terms, including a monthly budget amount, for each Chevy Suburban model.

2024 Chevrolet Suburban Insurance Rates by Trim Level
2024 Chevrolet Suburban Trim Level Annual Premium Cost Per Month
LS 2WD$2,184$182
LS 4WD$2,230$186
LT 2WD$2,264$189
RST 2WD$2,300$192
LT 4WD$2,308$192
Z71 4WD$2,322$194
RST 4WD$2,336$195
Premier 2WD$2,362$197
Premier 4WD$2,392$199
High Country 2WD$2,420$202
High Country 4WD$2,442$204

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Updated June 27, 2025

Insurance cost by trim level for a 2024 Chevrolet Suburban ranging from the LS 2WD model at $2,184 per year to the High Country 4WD model at $2,442
Insurance cost by trim level for a 2024 Chevrolet Suburban ranging from the LS 2WD model at $2,184 per year to the High Country 4WD model at $2,442

Average insurance rates by U.S. city

Depending on the city you live in, the cost to insure a Suburban varies widely from cheaper premiums like $1,884 a year in Virginia Beach, VA, or $1,806 in Raleigh, NC, to more expensive rates like $3,420 a year in Las Vegas, NV, and $3,072 in Miami, FL.

Additional large metro area rates include Oakland, CA, at $3,038 per year, Minneapolis, MN, at $2,472, Tucson, AZ, at an estimated $2,346, and Wichita, KS, costing $2,534.

The data visualization below shows the average estimated Chevrolet Suburban full coverage insurance policy costs for the most populated metro areas in the United States.

Average car insurance rates for a 2024 Chevrolet Suburban in larger U.S. cities.
Figure 3: Average car insurance rates for a 2024 Chevrolet Suburban in larger U.S. cities. Rates updated on June 26, 2025.

Data Methodology: Average car insurance rates for a 2024 Chevrolet Suburban assume a 40-year-old married male driver with no driving violations or at-fault accidents in the last three years. Comprehensive and collision deductibles are $500, UM/UIM and medical payments coverage is included, and rates are averaged for all trim levels and U.S. Zip Codes.

Chevrolet Suburban Insurance Rates by Location
Location Annual Premium Cost Per Month
New York, NY$3,772$314
Philadelphia, PA$3,428$286
Las Vegas, NV$3,420$285
Los Angeles, CA$3,414$285
San Francisco, CA$3,052$254
Kansas City, MO$2,796$233
Oklahoma City, OK$2,796$233
Denver, CO$2,756$230
Memphis, TN$2,756$230
Atlanta, GA$2,730$228
San Jose, CA$2,676$223
Phoenix, AZ$2,624$219
Portland, OR$2,600$217
San Diego, CA$2,588$216
Boston, MA$2,582$215
Chicago, IL$2,528$211
Dallas, TX$2,500$208
Houston, TX$2,488$207
Seattle, WA$2,484$207
Jacksonville, FL$2,434$203
Nashville, TN$2,416$201
Milwaukee, WI$2,408$201
Albuquerque, NM$2,378$198
San Antonio, TX$2,326$194
Omaha, NE$2,280$190
Fort Worth, TX$2,274$190
Austin, TX$2,252$188
Indianapolis, IN$2,118$177
Columbus, OH$2,008$167
Charlotte, NC$1,950$163

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for a 2024 Chevrolet Suburban and all Zip Codes in each city. Updated June 26, 2025