Are you the proud owner of an SUV? Are you aspiring to drive one someday? If so, you are one of many. SUVs are the favorite option of various people who feel that such vehicles are ideal for both as a family car and as a mode of travel for road trips. This is because they are both large, therefore allowing for easy journeys, and versatile enough to be driven over rough terrains.

Regardless of your reason for choosing SUV or other vehicles for travel, the fact remains that the first thing you should do when you buy a car is to get it insured. There is an array of insurance companies that offer SUV insurance.

To help you decide amongst the available car insurers, we have reviewed a total of five insurance companies. These firms have been chosen and rated after judging them on the basis of how affordable they are, how well they have succeeded in satisfying their current customers, the details of what their insurance covers, and the coverage options available to clients. In the reviews, you will find the SUV insurance rates which will prove to be beneficial when you make the decision of which car insurance to opt for.

Rating of Car Insurance Companies

Company Affordability Rating Customer Service Rating Get A Quote
Progressive
4.0
out of 599 user reviews
4.0
out of 599 user reviews
Get A Quote
Geico
4.5
out of 599 user reviews
4.0
out of 599 user reviews
Get A Quote
Allstate
4.0
out of 599 user reviews
4.0
out of 599 user reviews
Get A Quote
AAA
4.5
out of 599 user reviews
4.5
out of 599 user reviews
Get A Quote

Progressive

Car Insurance
This company provides you with one of the best insurance policies available. It combines the winning formula of a complete online service and an array of car insurance discounts to make an offer which few can refuse.
4.0
out of 599 user reviews

Insurance Coverage

Progressive's automobile insurance policy provides standard coverage which includes bodily injury and property damage, uninsured bodily injury coverage, medical payments, and collision and comprehensive coverage.

Bodily injury and property damage protects you when you are at fault in an accident by paying the medical bills of both you and the other driver. The policy also covers you in the case of lawsuits that may occur as a result of these accidents.

If you are not at fault in an accident and the other driver is not insured, then Progressive takes the responsibility of your medical expenditures. Moreover, it reimburses you for the wage you may lose due to the bodily damage that occurs.

The collision coverage has your back when your vehicle undergoes damage after being hit by or after hitting another car. In such an instance, all you have to pay is a deductible of your chosen amount to the repair shop, and the company will take care of the rest.

Comprehensive coverage is a source of great convenience for many as it protects you not only from damages arising from accidents but also from catastrophes ranging from a flood and fire to even vandalism.

Coverage Options

Not only does Progressive offer all of the standard coverage under its insurance policy, but it also allows you to opt for additional coverage options including roadside assistance, car rental, and accessories protection.

Everyone goes through events in their life where their vehicles break down or they are faced with a flat tire when they need to get somewhere in a hurry. If you are extremely unlucky and forgetful, the chances are that you may also experience the horror of getting locked out of your beloved car. In all such instances, Progressive's roadside assistance coverage will serve to be your knight in shining armor. This policy helps pay for all such cases without it being a burden on your wallet.

Moreover, in the event of accidents or damage to your car, the car rental feature offered by the insurance company allows you to enjoy up to 30 days of a rental car while your car gets repaired under the comprehensive or collision claim of the insurance policy. This option guarantees that a broken car does not act as a hindrance to your everyday life.

Furthermore, you can protect yourself from bearing the cost of damage to accessories within your car via the help of Progressive's accessories coverage. This policy pays for not only replacement of stereos but also for custom paint and equipment.

Affordability

While Progressive may not be the cheapest car insurance available on the market, it is certainly an affordable one. This affordability is embedded in the offer and design of Progressive's insurance policy. How? It does so by allowing customers to make a plan for themselves according to their price range and their lifestyle.

It is accompanied by a Name Your Price tool, which allows you to enter your budget and depicts what kind of coverage you can get within your budgetary constraints. While quotes are different for different people, a general trend that is seen is that the premiums of Progressive are comparatively less than other high-quality car insurance companies.

Customer Satisfaction

Customer Satisfaction Rating: 
4.0
out of 599 user reviews

The satisfaction of users of Progressive's policies can be considered as either average or low. Since it offers an affordable price, people have been quick to forgo the lack of swift and appreciable customer service. However, if you value such support, beware that Progressive compromises on satisfaction for a lower price.

This conclusion is drawn from surveys conducted by J.D. Power in 2016, according to which Progressive ranked at the bottom for overall purchase experience and "About average" in a satisfaction study.

Survey Review Data

Financial Stability

Financial Stability Rating: 
5.0
out of 599 user reviews

Based on the ratings provided by various agencies including A.M. Best, S&P, Moody's and Fitch, we have concluded that Progressive is highly stable when it comes to financial strength. The mentioned metrics have given the company a ranking of A+, A

Pros

  • Progressive allows you to compare the prices it offers with other insurance companies, thereby giving you the opportunity of making an informed decision.
  • The offer can be availed through 100% online self-service and its toll-free telephone.
  • Availability of prices.

Cons

  • The customer service is marked by criticism and can be improved further.
  • It does not offer any information about how it goes about resolving customer complaintsA, Aa2 and Aa respectively. These rankings can be translated into an overall superior financial strength than other businesses.

 

Contact Info

Website: 
https://www.progressive.com
General Phone Number: 
1-855-758-0945
Customer Service Phone: 
(800) 776-4737

Corporate Headquarters

The Progressive Corporation
6300 Wilson Mills Rd.
Mayfield Village, Ohio 44143

Investor Relations

The Progressive Corporation Investor Relations
6300 Wilson Mills Road
Box W33 Mayfield Village, Ohio 44143

Geico

Car Insurance
If you are looking for a company which will provide you with one of the lowest quotes available on the market, you will appreciate the services rendered by GEICO. However, it does not have a few insurance coverage options and discounts which other companies may provide.
4.0
out of 599 user reviews

Insurance Coverage

GEICO car insurance offers a holistic insurance policy for your vehicle. Its plan includes coverage for any injuries caused to you in accidents. It also provides a property damage liability coverage which ranges from $100,000 to $250,000. Such a feature ensures you are protected when you are found at fault of damaging other's property during accidents. Moreover, the insurance covers the fee charged for repairing your car.

Coverage Options

GEICO offers various coverage options to choose from. This includes emergency roadside assistance, rental car coverage, medical, belongings, and a full glass coverage.

Emergency roadside assistance ensures that your insurance pays for towing your car and guarantees that you are not left alone when you need gas or are stuck with a dead battery. It also provides you with assistance when you accidentally get locked out of your car.

Opting for rental car coverage allows you to get protection for rental cars as well when your car has undergone damage or is in the repair shop. This feature ensures that you are always provided with a convenient mode of travel when you need it.

An added coverage option may include medical and belongings. Such coverage stipulates that not only your car but your health and well-being are also taken care of. For example, if you go through an accident, certain additional policies may allow your insurance coverage to cover your medical expenses and even the cost of stolen belongings in case of a break-in.

Another option available to the customers is the ridesharing option. It allows you to use your vehicle for driving for companies like Uber. The additional coverage option provides protection in ridesharing as well as personal use. However, one must remember that such a coverage option may not be available in every state.

Affordability

One of the key features that attract customers to GEICO is the affordable rates and quotes that it offers in most states it delivers its services to. While the process of quotes is a fluid one, it has been seen that you are likely to be offered one of the lowest prices from GEICO compared to other car insurance companies. Hence, when it comes to affordability, GEICO rates significantly higher than the rest.

However, no one company can be dubbed as being the most affordable universally. This is because quotes are not set in stone but are rather set after considering various individual features including the annual mileage of your car, your driving record, and the type of vehicle you insure. Therefore, to say that GEICO is the cheapest of all is to make a claim that lacks substance. However, it can be said that it offers one of the lowest prices, which is just as good a claim for those who value affordability.

Customer Satisfaction

Customer Satisfaction Rating: 
4.0
out of 599 user reviews

Satisfaction of current customers is an integral tool in assessing where a car insurance company, or any product for that matter, stands.

Customer satisfaction may not be GEICO's strongest forte. While GEICO claims that 97% of its customers are satisfied, such is not the case in reality. The general perception of the masses is that there is a clear trade-off between quality and price. Since GEICO offers low price, it is, by default, accompanied by a comparatively lower quality of service which translates into lower customer satisfaction.

Such a claim can find credibility in the fact that in a survey conducted by J.D. Power in 2012 to assess the client's satisfaction of many auto car insurances, GEICO was rated below or average in nine out of the eleven states evaluated. Therefore, when you are conducting an SUV insurance comparison or any comparison for that matter, it is important to keep updated with customer satisfaction too.

Survey Review Data

Financial Stability

Financial Stability Rating: 
4.8
out of 599 user reviews

High financial strength marks GEICO. According to A.M. Best, GEICO is rated as A++ which translates to its financial stability being superior when compared to others. A.M. Best gave an array of reasons for such a rating, which included the operating profitability which GEICO continues to experience, the fact that it is recognized as a brand, and the strong position that GEICO has in the national market of automobile car insurance.

Pros

  • One of the biggest financial strengths in the motor insurance industry.
  • Prices/quotes are competitive in nature.
  • Holistic and thorough insurance coverage plan.
  • An array of additional coverage options that are enough to provide enhanced convenience.
  • Availability of mobile apps which allow you to manage your account anywhere and anytime.

Cons

  • Customer services fail to create a lasting impact on users or act as an advantage to attract further users.
  • It does not offer various discounts which can be found in offers of competing car insurance companies.

Contact Info

Website: 
https://www.geico.com
General Phone Number: 
(800) 207-7847
Customer Service Phone: 
(800) 241-8098

Payments 
Please mail all payments to:
GEICO Remittance Center
One GEICO Plaza
Bethesda, MD 20810-0001

Please use this address for late payments and cancellation notice payments:
GEICO Remittance Center
One GEICO Plaza
Bethesda, MD 20811-0001 

Correspondence
Please send all correspondence regarding your policy to:
Government Employees Insurance Company
ATTN: Region 1 Return Policy Work
PO BOX 9500 
Fredericksburg, VA 22403-9500 

Allstate

Car Insurance
Allstate is considered to be a renowned name in the car insurance industry. It offers an extensive insurance coverage which is bound to protect you in the case of mishaps.
4.0
out of 599 user reviews

Insurance Coverage

Each of the insurance policies of Allstate is accompanied by an effective agent, who ensures that you receive the attention you need. Let us discuss a few of the standard insurance coverage policies that Allstate offers.

The first policy that we will be discussing includes bodily injury liability, which gives you protection against massive medical expenditures of the other party involved in an accident when you are at fault. This coverage is required by all the states and Allstate makes sure that you are covered in this aspect.

Another standard coverage that Allstate succeeds in delivering is property damage liability, which covers the repair and cost expenses of the other car when in an accident.

Allstate succeeds in providing a significant amount of money which makes sure that you do not have to bear the burden of exceeding expenses.

Coverage Options

Allstate also offers a wide variety of optional coverage options as well as other services. Some of these options include collision coverage, comprehensive coverage, towing and labor cost, rental reimbursement, sound system coverage, and accident forgiveness.

Collison coverage deals with providing you with financial protection in any situation which is marked by collision, including hitting a car, building or tree. On the other hand, comprehensive coverage offers a more extensive protection and includes instances of damage from fire, theft, vandalism, floods, etc. If you do not mind additional insurance premium for a holistic security, Allstate's comprehensive coverage is something you should opt for.

If you have ever been stranded on the road, you will be able to relate to the feeling of helplessness that floods in. The towing and labor cost coverage helps reduce this feeling by providing you with basic road-side assistance and bearing the brunt of the cost incurred.

Furthermore, Allstate caters to the constant need of its users for a mode of transport. Therefore, it allows you to get a rental car at its expense for the period your car is in the auto repair shop. This service is available for 30 days after an accident occurs in an insured vehicle.

Moreover, if you are the proud owner of an expensive and high-quality sound system and are afraid of instances of theft in your vehicle, Allstate has you covered with its sound system coverage option. This feature ensures that the insurer is responsible for paying you compensation if your sound system has been stolen or damaged in an accident.

Lastly, Allstate takes care of its customers by providing them with accident forgiveness. This makes sure that the rates of your insurance do not increase after your first at-fault accident.

Affordability

It is hard to say whether any insurance company is universally the cheapest one out there since the quoted price offered by firms vary according to various factors, including your age and driving ability. However, when we compared the rates of Allstate to some of the other companies prevailing in the market, we found that the quotes offered by Allstate are highly competitive and reasonable.

However, recently, it has been observed that unmatched discounts mark Allstate and it seems to be the frontrunner in the recent trend of increasing insurance premiums in auto insurance. This behavior significantly undermines the affordability of Allstate.

Customer Satisfaction

Customer Satisfaction Rating: 
4.5
out of 599 user reviews

The fact that Allstate offers a satisfaction guarantee says a lot about the company and how much it values its customers. The policy claims that if Allstate is not able to resolve any of your claims to satisfaction promptly, you may receive an added six month of credit on your insurance premium.

However, despite such claims, a survey conducted by J.D Power in 2016 ranked the company as "About average" when it comes to customer satisfaction and "The rest" in overall customer buying experience. This average rating may be a result of the increasing premium prices which has made Allstate an expensive insurance option for many.

Survey Review Data

Financial Stability

Financial Stability Rating: 
5.0
out of 599 user reviews

Allstate can be considered to be financially stable. In the car insurance world, financial strength is judged by the ratings that a given company receives by places like A.M. Best. In this forte, Allstate has been successful and has received high ratings by all the main forums. These ratings include an A+ by Better Business Bureau, A+ by A.M. Best, Aa3 by Moody's and AA- by S&P. These high scores are evidence of how financially secure the car insurance company is.

Pros

  • An array of discounts is available for you to choose from.
  • The safe driving bonus check not only gives you an incentive to drive safe but also instills in you the habit of safe driving.
  • The sound system coverage is unheard of and has been appreciated by the masses.

Cons

  • Expensive and comparatively higher prices than the competing firms.
  • The undiscounted rates that are offered are too high for the customer’s liking.

Contact Info

Website: 
http://www.allstate.com
General Phone Number: 
1-877-810-2920
Customer Service Phone: 
1-800-877-8973

For general correspondence, please send mail to:

Allstate Insurance Company
P.O. Box 660598
Dallas, TX 75266-0598

For correspondence about auto insurance claims, please send mail to:

Allstate Insurance Company
P.O. Box 660636
Dallas, TX 75266

AAA

Car Insurance
While it is commonly known for its roadside services and trip planning offers, AAA also caters to the needs of its members for car insurance policies. Not only is AAA one of the largest insurers in the world, but it also marked by favorable reviews and ratings from the masses.
4.5
out of 599 user reviews

Insurance Coverage

AAA provides all the standard insurance policies just like any other insurance company. Its minimum coverage options protect you against bodily injury liability, property damage liability, and uninsured motorist bodily and property damage.

The bodily injury liability is a standard insurance covered by an array of companies. In AAA, you get a minimum coverage of $15,000 per person, which ensures that you have money to pay the related medical bills and $30,000 per accident. This amount is enough to cover expenses borne as a result of damage to one's vehicle. A similar sum of money is given when you get hit by an uninsured driver or motorist.

In case you are the one at fault, AAA provides you with a minimum of $5000 which can be used to pay for the damages done to the other vehicle involved in the accident. If you are not at fault and neither is the other driver insured, the insurance company provides you with a minimum of $3500 to repair your car and pay for damages made.

Coverage Options

AAA is lauded for offering a variety of additional coverage options, which include comprehensive coverage, pet protection, extended exterior repair, and rental reimbursement. Each of these added options serves to set this company's offer apart from everyone else.

While the comprehensive coverage ensures that you receive compensation to pay for damage to your vehicle when a fire or flood occurs, the pet protection option provides for the medical bills of your pet if it has been involved in an auto accident in the insured vehicle.

Moreover, the extensive exterior repair option ensures that your vehicle is provided with the best care. In the case of damage, the insurance company pays for the installation of Original Equipment Manufacturer parts. Such an offer makes sure that the quality of your car is not compromised following an accident.

Lastly, opting for the rental reimbursement feature allows you to enjoy the luxury of a rental car without having to pay a penny when your car has been damaged and is in the auto repair shop. However, such services can only be availed when the insurance company is paying for the cost.

Affordability

When it comes to affordability, AAA can do better. The biggest characteristic that undermines the affordability of the enterprise is the fact that only its members can avail its car insurance policies. This means that you have to pay an annual membership fee, which ranges from $60 to $100, to keep availing the services offered by the car insurance policies. When such a fee is added to the quoted price, the cost becomes significantly higher than what is asked for by other companies.

Therefore, when it comes to affordability and convenience of usage, AAA does not emerge as a frontrunner.

Customer Satisfaction

Customer Satisfaction Rating: 
4.0
out of 599 user reviews

Ask any member of AAA, and they will tell you how excellent the overall performance of the company is. This holds true even when providing car insurance. Moreover, when such an advantage is combined with an array of discounts, the result is the immense satisfaction of customers.

Users of the car insurance service have high regards for the company. They are content with the kind of customer support they receive from the firm. Therefore, if you do not mind spending a little extra for a smooth and quick customer service, you are bound to be amongst those who are happy with AAA's quality and performance.

Survey Review Data

Financial Stability

Financial Stability Rating: 
5.0
out of 599 user reviews

AAA is considered to be financially stable because it is dubbed so by A.M. Best, which is the benchmark for assessing the financial strength of insuring companies. A.M. Best has given AAA a rank of A+ which establishes the company as superior to many other competing companies when it comes to stability. This credibility of the strength of the enterprise ensures that people can trust the company.

Pros

  • AAA is marked by premium customer service which is evident from the fact that it came third in a customer satisfaction survey conducted in 2016 by J.D. Powers.
  • Customer support is active 24/7, further strengthening the efficiency of the company.

Cons

  • The car insurance policies are not easy to get if you are not a member.
  • The systems are marked by a premium price and comparatively fewer discounts than other companies.
  • Most benefits can only be availed in particular states which can be a source of inconvenience for many.

Contact Info

Website: 
http://www.aaa.com/
General Phone Number: 
(765) 423-1697
Customer Service Phone: 
(800) 289-1325

14244 SW 8th St
Miami, FL 33184
305-225-7600

11667 Countryway Blvd
Tampa, FL 33626
813-854-4262

9200 Seminole Blvd
Seminole, FL 33772
727-398-3120

What Is SUV Insurance?

Sports vehicles like SUVs have different needs when it comes to insurance policies. This is because not only are they an expensive car, but they also have starkly different uses compared to your average car. One such use is that SUVs can be taken on road trips on rough terrains, while your Honda probably cannot withstand such an environment. Therefore, it is natural that the kind and amount of financial protection an SUV needs varies too.

Here is where SUV insurance comes in. These insurances are tailor made to meet the different type of insurance policy needs that an SUV require. While in some insurance companies, such a vehicle falls under truck insurance and similar policies apply, in other insurance firms, distinctive SUV insurance plans exist.

Since the price of an SUV can vary from $20,000 to $100,000, depending on the model you opt for, it is a given that if you own an SUV, the chances are that you will have a comparatively expensive insurance. Regardless of how much insurance cost you'll have to bear, the fact remains that you are better off protected with a policy which is specifically designed for SUVs and whose SUV insurance rates are competitive.

Top Lowest SUV Insurance

Overall, compared to other vehicles, SUVs are commonly marked by high insurance premium due to the high price and the significant cost of damage in case of mishaps. If you are planning to purchase an SUV which will get the job done and is the least expensive SUV to insure, you can choose any of the following:

      1. Hyundai Tucson. Not only is the price of this car highly affordable, but its insurance premium also has an average cost of $1189 per year.
      2. Jeep Patriot. Jeep proudly claims that its compact yet high-quality SUV has the best price compared to other options. The average insurance premium charged for such an SUV is $1160 per year.
      3. KIA Sportage. Kia Sportage has a royal and decent look to it which makes it seem worth more than what it is. The average cost of insurance is $1157 per year, thereby making it one of the cheapest SUVs to insure.
      4. Jeep Wrangler. Jeep Wrangler takes it a notch further when it comes to getting the least expensive insurance premium. This SUV is not only one of the cheapest SUVs to insure, but it is also the overall cheapest vehicle to insure with a cost of $1134, thereby making it a perfect purchase.
      5. Ford Explorer. This car is marked by a reasonable insurance premium of $1197 which might be the most expensive on this list, but it is the cheapest cost when compared to other seven seater minivans.

Top Expensive SUV

Here is a list of the most expensive SUVs to insure, compiled in the form of least to most expensive. Knowing the high insurance cost of these SUVs will help you make an informed decision.

  • Mercedes-Benz, which has a minimum price of $118,000 and costs around $2609 per year to insure.
  • Audi A8 L W12 is accompanied by an insurance premium of $2869 per year and a cost of $135,700.
  • Porsche Panamera Turbo S which not only has a high price of $180,000 but is also marked by a high insurance cost of $2970.
  • BMW M6 Coupe is equipped with enough features to justify its $111,200 price and its $3065 per year insurance premium.
  • Nissan GT-R Track is the most expensive car to insure with a premium cost of $3169, even though its original price is $115710. The high cost of insurance may be due to the track-based use of the car.

What Does SUV Insurance Cover?

SUV insurance provided by most of the companies offers the following standard coverage:

  • Bodily injury and property damage liability which covers you partially or entirely, depending on the limit of the insurance, medical expenses, and expenditure to repair damages to the car of the other party in case of a collision where you are at fault.
  • Collision coverage bears the costs of repairing your car and property in the event of a collision, regardless of whose fault it is.
  • Comprehensive coverage offers clients compensation if their SUVs are lost or damaged by anything other than a car accident such as fire or vandalism.
  • Uninsured motorist coverage ensures that you are protected even when you don’t cause a collision and the other party is not insured. It does so by paying for medical bills of the driver and passengers as well as for the repair of the SUV.

How Much SUV Insurance Do I Need?

No one can give you a definitive and universal answer to this question. Why? This is because it is a personal decision. You can see multiple SUV insurance comparisons and the related SUV insurance rates to see which one appeals to you the most.

However, any professional will tell you to opt for high liability coverage. This is because since an SUV tends to cause more damage than any other car, a minimum standard policy may not fully cover you and you will be faced with a situation where you will have to pay for the expenses. Moreover, it is a wise decision to opt for collision and comprehensive coverage options to ensure that you are protected against significant losses in case of a mishap.

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