How much is insurance on a Chevrolet Suburban?

A 2024 Chevrolet Suburban runs about $2,090 a year for a typical 45-year-old, $150 more than an average car of the same age, because of more damage to others' property. Putting a new 16-year-old on a family policy with the Suburban adds about $1,380 a year (#15 of 18 standard SUVs we compare).

2024 Chevrolet Suburban (Suburban 2WD), national average

about $2,090 a year (about $175 a month)

Estimated range: $1,550–$2,800. Actual quotes can fall outside it.

An average car of the same age (what HLDI's 2022–24 results measure against) runs about $1,940 a year. A used 2013 Suburban drops to about $1,520 (see the table below).

A Chevrolet Suburban from the 2021–present generation. Photo: Ethan Llamas, CC BY-SA 4.0, via Wikimedia Commons, cropped (credits).

Priced for the 2024 Suburban 2WD, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Suburban's rank is the same in every state.

Why the Chevrolet Suburban costs what it does

What HLDI reports (2022–24 models, all drivers combined)

The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the Chevrolet Suburban 1500 4dr, on HLDI's scale where 100 is an average car and lower is better, it reports 102 for crash repairs, 101 for non-crash damage, and 127 for damage to others' property.

Crash repairs (collision)fixing this car after a crashAverage2% worse than average12th best of the 18 standard SUVs we compare
Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesAverage1% worse than average11th best of the 17 standard SUVs we compare
Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultWorse than average27% worse than averageworst of the 18 standard SUVs we compare
Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costInsufficient dataNo result from HLDI for this model

HLDI's ratings, best to worst:Substantially better than averageBetter than averageAverageWorse than averageSubstantially worse than averageInsufficient data

HLDI rates results within about 20% of average as “Average.”

HLDI doesn't publish a result for injuries to others on this model, so it's marked “Insufficient data”.

Source: HLDI, insurance losses by make and model, 2022–24 models.

What we estimate that means for price

Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Suburban comes out about 2% worse than average. So the part of the bill that fixes the car is about 1% more than average: about $960 a year vs $950. On the liability side, HLDI publishes damage to others' property but not injury claims for the Suburban, so we go by that one result: about 27% worse than average. We count about half, so that part is about 14% more: $1,130 a year vs $990.

How the math works

In EPA size classes, the Suburban is a standard SUV (gas-powered). In Highway Loss Data Institute loss tables, the Chevrolet Suburban is benchmarked against very large SUVs.

Matched to HLDI series “Chevrolet Suburban 1500 4dr” (HLDI, 2022–24 models).

A used Chevrolet Suburban, by model year

One model year per age group. Liability only: no coverage for the car itself. Teen columns: a new 16-year-old. Each row uses the HLDI report that covers that model year.
Model year	Full coverage	Liability only	Adding a teen	Teen on their own policy
2024 Suburban 2WD (0–3 years old)	about $2,090	about $1,130	+$1,380	about $6,000
2022 Suburban 2WD (4–7 years old)	about $1,980	about $1,130	+$1,310	about $5,670
2018 Suburban C1500 2WD (8–12 years old)	about $1,770	about $1,070	+$1,170	about $5,090
2013 Suburban 1500 2WD (13 or more years old)	about $1,520	about $950	+$1,000	about $4,350

Our catalog covers the Chevrolet Suburban across model years 2006–2027. Full coverage on a used 2013 Suburban (13 or more years old) runs about $1,520 a year, $580 less than on a 2024. Dropping collision and comprehensive on that 2013 brings liability-only coverage to about $950 a year. Each photo shows that year's generation of the car. Photo credits.

Across 2024 Chevrolet Suburban trims, full coverage goes from about $1,970 a year on the Suburban 4WD to about $2,090 on the Suburban 2WD, because HLDI's loss results differ by body, drive, or powertrain.

Suburban 4WD: about $1,970
Suburban 2WD: about $2,090

On a policy of their own with a 2024 Chevrolet Suburban, a 22–25-year-old pays about $2,720 a year ($630 more than a 45-year-old), a 26–39-year-old about $2,320, and a driver 65 and older about $2,200.

Adding a 16-year-old with a Chevrolet Suburban

A new driver costs more with any car, and more than usual with the Chevrolet Suburban: adding a 16-year-old raises the family bill by about $1,380 a year ($115 a month), $100 more than adding a teen with an average car of the same age. A separate policy in the 16-year-old's own name runs about $6,000 a year ($4,620 more than adding them to the family policy).

For adding a teen driver, the Chevrolet Suburban ranks 30th most expensive out of all 121 models we track. Stepping down to a used 2013 Suburban (13 or more years old) brings the teen add-on to about $1,000 a year.

That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.

Similar standard SUVs

Among these 18 standard SUVs, the Chevrolet Suburban is the 4th most expensive to insure. Right next to it are the Dodge Durango (about $2,060 a year) and the Cadillac Escalade (about $2,420).

Photos from Wikimedia Commons contributors. Photo credits.

What a Chevrolet Suburban costs in your state

In six sample states, a 2024 Chevrolet Suburban runs from about $1,390 a year in Vermont through North Carolina, West Virginia, Arkansas and South Carolina to about $2,760 in New York:

Vermontabout $1,390/yr · +$920 teen
North Carolinaabout $1,600/yr · +$1,050 teen
West Virginiaabout $1,780/yr · +$1,180 teen
Arkansasabout $1,880/yr · +$1,240 teen
South Carolinaabout $2,210/yr · +$1,460 teen
New Yorkabout $2,760/yr · +$1,820 teen

All 50 states and DC · Updated November 5, 2026.

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