If you’re looking for insurance for your Chevrolet Suburban in 2025, you’re in the right place. Car insurance rates for the Chevrolet Suburban depend on factors like your driving record, location and car model year.
On average, insuring a 2023 Chevrolet Suburban costs around $2,515 annually, but the rates can vary significantly compared to older models. For instance, a 2021 Suburban might cost slightly less, around $2,338 per year, while insuring a 2018 model could be even more budget-friendly at $2,079 annually.
In this guide, we’ll explore the costs and offer tips on securing the best insurance rates for your Chevrolet Suburban.
What is the cost to insure your Chevrolet Suburban in 2025?
On average, insuring a Chevrolet Suburban costs $209 per month – or $2,508 annually – for a full coverage policy. However, your actual cost may differ depending on factors such as your age, where you live, your driving history and the insurance company you choose.
Young drivers or those with a history of accidents may see higher premiums, while older, more experienced drivers with clean records may pay less. Additionally, rates can differ based on the state and even the ZIP code where the car is garaged.
Insurance rates by car model
Check out our detailed guide on car insurance rates by car model
Which companies offer the cheapest rates for Chevrolet Suburban
Nationwide offers the cheapest car insurance rates for Chevrolet Suburban at an average annual cost of $1,811 a year or $151 monthly, based on CarInsurance.com’s rate analysis.
The table below highlights top insurance providers with the best rates for your Chevrolet Suburban
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Nationwide | $1,811 | $906 | $151 |
| Geico | $2,167 | $1,083 | $181 |
| State Farm | $2,227 | $1,114 | $186 |
| Progressive | $2,401 | $1,201 | $200 |
| Farmers | $2,832 | $1,416 | $236 |
| Allstate | $3,588 | $1,794 | $299 |
Explore our expert guide to the cheapest cars to insure in 2025
Compare Chevrolet Suburban car insurance rates by model year
Newer cars have higher insurance premiums due to higher market value and pricier repair expenses. For example, the insurance cost for a 2023 Chevrolet Suburban will typically be more expensive than that of a 2019 model. However, older vehicles may lack advanced safety technologies, affecting insurance rates.
The table below shows the average annual insurance costs for various model years of the Chevrolet Suburban, helping you understand how insurance premiums vary with the car’s age.
| Model year | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| 2014 | $1,747 | $873 | $146 |
| 2015 | $1,969 | $985 | $164 |
| 2016 | $2,012 | $1,006 | $168 |
| 2017 | $2,052 | $1,026 | $171 |
| 2018 | $2,079 | $1,039 | $173 |
| 2019 | $2,188 | $1,094 | $182 |
| 2020 | $2,253 | $1,127 | $188 |
| 2021 | $2,338 | $1,169 | $195 |
| 2022 | $2,423 | $1,212 | $202 |
| 2023 | $2,515 | $1,258 | $210 |
Chevrolet Suburban car insurance rates for different trims
The trim level can significantly affect insurance premiums when insuring a Chevrolet Suburban. Each trim has different features, safety equipment and price points, all of which can affect the cost of insurance.
For example, higher trims like the Suburban High Country, which come with premium features and advanced technology, tend to have higher insurance rates than the base model due to the higher replacement and repair costs.
The table below shows the average yearly insurance costs for different trims of the Chevrolet Suburban.
| Vehicle trim | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Suburban LS | $2,361 | $1,180 | $197 |
| Suburban Fleet | $2,397 | $1,198 | $200 |
| Suburban LT | $2,516 | $1,258 | $210 |
| Suburban RST | $2,525 | $1,262 | $210 |
| Suburban Premier | $2,553 | $1,276 | $213 |
| Suburban Z71 | $2,582 | $1,291 | $215 |
| Suburban High Country | $2,664 | $1,332 | $222 |
Chevrolet Suburban insurance rates: State-by-state breakdown
The cost of insuring a Chevrolet Suburban vehicle can differ from state to state. State-specific regulations primarily influence it, the cost of vehicle repairs and car theft rates.
The table below shows the car insurance rates for the Chevrolet Suburban by state.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $2,252 | $1,126 | $188 |
| Alabama | $2,315 | $1,158 | $193 |
| Arkansas | $2,742 | $1,371 | $228 |
| Arizona | $2,378 | $1,189 | $198 |
| California | $2,924 | $1,462 | $244 |
| Colorado | $3,241 | $1,620 | $270 |
| Connecticut | $2,524 | $1,262 | $210 |
| Washington, D.C. | $3,060 | $1,530 | $255 |
| Delaware | $2,538 | $1,269 | $211 |
| Florida | $3,046 | $1,523 | $254 |
| Georgia | $2,993 | $1,496 | $249 |
| Hawaii | $1,636 | $818 | $136 |
| Iowa | $2,163 | $1,082 | $180 |
| Idaho | $1,597 | $798 | $133 |
| Illinois | $2,386 | $1,193 | $199 |
| Indiana | $2,262 | $1,131 | $188 |
| Kansas | $2,730 | $1,365 | $228 |
| Kentucky | $3,086 | $1,543 | $257 |
| Louisiana | $4,122 | $2,061 | $343 |
| Massachusetts | $2,290 | $1,145 | $191 |
| Maryland | $2,400 | $1,200 | $200 |
| Maine | $1,720 | $860 | $143 |
| Michigan | $3,072 | $1,536 | $256 |
| Minnesota | $2,794 | $1,397 | $233 |
| Missouri | $2,976 | $1,488 | $248 |
| Mississippi | $2,744 | $1,372 | $229 |
| Montana | $2,787 | $1,393 | $232 |
| North Carolina | $1,898 | $949 | $158 |
| North Dakota | $2,267 | $1,134 | $189 |
| Nebraska | $2,680 | $1,340 | $223 |
| New Hampshire | $1,842 | $921 | $153 |
| New Jersey | $2,377 | $1,189 | $198 |
| New Mexico | $2,584 | $1,292 | $215 |
| Nevada | $2,402 | $1,201 | $200 |
| New York | $2,018 | $1,009 | $168 |
| Ohio | $1,913 | $957 | $159 |
| Oklahoma | $2,749 | $1,375 | $229 |
| Oregon | $2,329 | $1,164 | $194 |
| Pennsylvania | $2,649 | $1,324 | $221 |
| Rhode Island | $2,925 | $1,462 | $244 |
| South Carolina | $2,505 | $1,253 | $209 |
| South Dakota | $3,107 | $1,554 | $259 |
| Tennessee | $2,730 | $1,365 | $228 |
| Texas | $3,614 | $1,807 | $301 |
| Utah | $1,931 | $965 | $161 |
| Virginia | $1,900 | $950 | $158 |
| Vermont | $1,749 | $875 | $146 |
| Washington | $2,015 | $1,008 | $168 |
| Wisconsin | $1,970 | $985 | $164 |
| West Virginia | $2,360 | $1,180 | $197 |
| Wyoming | $2,768 | $1,384 | $231 |
How your age impacts Chevrolet Suburban insurance rates
Young drivers, particularly those younger than 25, face higher insurance premiums due to their lack of experience and the increased likelihood of accidents. As drivers age and gain more experience, their rates typically decrease. However, for senior drivers, premiums can rise again due to age-related factors.
In 2022, the National Highway Traffic Safety Administration (NHTSA) reported that 2,034 drivers aged 15 to 20 died in traffic crashes.
The table below shows the average annual insurance rates by age group.
| Age | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Teens | $9,085 | $4,542 | $757 |
| Adults | $2,508 | $1,254 | $209 |
The bottom line
It’s essential to know how much it will cost to insure your Chevrolet Suburban so you can plan your budget. Insurance rates can vary based on the car’s age, model, year, trim and your location.
By taking proactive steps like maintaining a clean driving record, taking advantage of discounts and regularly reviewing your insurance needs, you can balance adequate coverage and affordability.
Resources & Methodology
Sources
Insurance Information Institute. “Facts + Statistics: Teen drivers.” August 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to calculate average auto insurance rates for 1,661 car models to help drivers compare coverage costs. Rates reflect national averages based on a standard driver profile with full coverage, typical commute distance, and annual mileage.
The average rates are based on a 40-year-old male driver with 100/300/100 liability limits and a $500 deductible for collision and comprehensive coverage, commuting 12 miles to work daily and driving 10,000 miles annually.
Read the detailed methodology for more information.
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