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1996 Chevrolet Suburban Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Jun 12, 2015

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Average insurance rates for a 1996 Chevrolet Suburban are $890 a year for full coverage. Comprehensive insurance costs on average $138, collision costs $152, and liability coverage costs around $442. Buying a liability-only policy costs as low as $496 a year, with high-risk insurance costing $1,906 or more. Teen drivers receive the highest rates at $3,648 a year or more.

Annual premium for full coverage: $890

Rate estimates for 1996 Chevrolet Suburban Insurance

Comprehensive $138
Collision $152
Liability $442

Rate data is compiled from all 50 U.S. states and averaged for all 1996 Chevrolet Suburban models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a driver in their 40's, prices range go from as low as $496 for only liability insurance to a much higher rate of $1,906 for a driver who has had serious violations or accidents.

Liability Only $496
Full Coverage $890
High Risk $1,906

View Chart as Image

1996 Chevrolet Suburban insurance rates compared
Column chart showing 1996 Chevrolet Suburban insurance prices range from $553 to $3,648 for full coverage

These differences show why anyone shopping for car insurance should compare prices based on a specific location and risk profile, rather than using price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 1996 Chevrolet Suburban Insurance

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Finding the cheapest insurance for a Chevy Suburban could be a lot of work, but you can learn these tips and make it easy. There are more efficient ways to compare car insurance rates and we’ll show you the absolute fastest way to price shop coverage for a Chevy and get the cheapest rates from both online companies and local agents.

If you are insured now or are looking for a new policy, you can use these tips to find the best rates while maximizing coverage. Pricing affordable protection is easy if you know what you’re doing. Consumers just need to understand the proper way to get comparison quotes over the internet.

Cut your car insurance rates with discounts

Companies do not list all available discounts very clearly, so we took the time to find both well-publicized and the harder-to-find savings tricks you should be using. If you’re not getting every credit available, you are throwing money away.

  • Safe Driver Discount – Drivers who don’t get into accidents may save up to 50% more on Suburban coverage than drivers with accidents.
  • Good Students Pay Less – Getting good grades can get you a discount of up to 25%. The discount lasts well after school through age 25.
  • Lower Rates for Military – Having a deployed family member could mean lower rates.
  • Multiple Policy Discount – When you have multiple policies with the same company you may save 10% to 20% off each policy.
  • Federal Employees – Simply working for the federal government may qualify you for a discount on Suburban coverage depending on your company.
  • Payment Method – If paying your policy premium upfront rather than paying monthly you could save 5% or more.
  • Use Seat Belts – Buckling up and requiring all passengers to use a seat belt can save 10% or more on the medical payments or PIP coverage costs.

Consumers should know that most discounts do not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So when it seems like having all the discounts means you get insurance for free, car insurance companies aren’t that generous.

For a list of providers offering car insurance discounts, click here.

Factors influencing Chevy Suburban insurance rates

It’s important that you understand some of the elements that come into play when calculating the rates you pay for car insurance. Knowing what controls the rates you pay empowers consumers to make smart changes that could result in better car insurance rates.

  • Men pay higher rates – Statistics have proven women are more cautious behind the wheel. However, this does not mean women are better drivers. Both sexes tend to get into accidents at a similar rate, but the male of the species have costlier accidents. Men also tend to have more aggressive citations such as DWI and reckless driving. Youthful male drivers are the most expensive to insure and thus pay the highest rates.
  • Do you work long hours in a high stress job? – Did you know your job can affect your rates? Occupations such as lawyers, social workers and stock brokers tend to pay the highest rates in part from high stress and long work days. On the other hand, occupations such as pilots, students and homemakers have the lowest average rates on Suburban coverage.
  • Never go without insurance – Allowing your coverage to lapse is a sure-fire way to trigger a rate increase. And not only will your rates increase, failure to provide proof of insurance may earn you a steep fine or even jail time.You may then be required to file a SR-22 with your state motor vehicle department to get your license reinstated.
  • Traffic citations inflate rates – Even a single speeding ticket can bump up the cost forty percent or more. Drivers who don’t get tickets get better rates compared to drivers with tickets. Drivers who get flagrant violations such as DUI or reckless driving may be required to file a proof of financial responsibility form (SR-22) with their state DMV in order to keep their license.
  • Rate your vehicle for proper use – Driving more miles in a year the higher your rates will be. Most insurance companies charge to insure your cars based on their usage. Cars and trucks not used for work or commuting can get a lower rate than those used for commuting. Improper usage on your Suburban can result in significantly higher rates. Ask your agent if your car insurance coverage is rated on the proper vehicle usage, because it can save money.
  • Safer cars are cheaper to insure – Safer cars can get you lower premiums. The safest vehicles result in less severe injuries and lower injury rates translates into savings for insurance companies and more competitive rates for policyholders. If the Chevy Suburban has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • More claims means more premium – Companies award better rates to people who do not file claims often. If you are a frequent claim filer, you can definitely plan on either a policy non-renewal or much higher rates. Insurance coverage is intended to be relied upon for major claims that would cause financial hardship.

You are unique and your car insurance should be too

When it comes to buying coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is unique.

For example, these questions might point out if your insurance needs would benefit from professional advice.

  • Am I insured when driving a different vehicle?
  • Am I missing any policy discounts?
  • I have health insurance so do I need medical payments coverage?
  • Is my camper covered by my car insurance policy?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Do I need special endorsements for business use of my vehicle?
  • Who is covered when they drive my 1996 Chevy Suburban?
  • Am I covered if I hit a deer?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Insurance coverage specifics

Knowing the specifics of your insurance policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Collision coverage protection

This will pay to fix damage to your Suburban resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as scraping a guard rail, colliding with another moving vehicle and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for bills for chiropractic care, funeral costs, X-ray expenses, rehabilitation expenses and pain medications. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Liability insurance

This coverage can cover damages or injuries you inflict on other people or property in an accident. It protects you against claims from other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged property.

Liability insurance covers things such as repair bills for other people’s vehicles, medical services and court costs. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Comprehensive protection

This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like hail damage, rock chips in glass, damage from getting keyed, damage from a tornado or hurricane and damage from flooding. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Uninsured or underinsured coverage

This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Chevy Suburban.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Power to the consumer

Insureds change insurance companies for many reasons like policy cancellation, extreme rates for teen drivers, lack of trust in their agent or denial of a claim. It doesn’t matter why you want to switch switching insurance coverage companies is pretty simple and you could end up saving a buck or two.

You just read a lot of techniques to lower your 1996 Chevy Suburban insurance rates. The most important thing to understand is the more you quote, the better your comparison will be. You may even find the most savings is with some of the smallest insurance companies.

When you buy insurance online, it’s a bad idea to reduce needed coverages to save money. There have been many situations where an insured dropped liability limits or collision coverage and learned later that their decision to reduce coverage ended up costing them more. Your focus should be to buy the best coverage you can find for the lowest price, not the least amount of coverage.

Additional information can be read at these links:

Rates by U.S. City

1996 Chevrolet Suburban Insurance Rates by City
City Premium
New York City, NY $1,410
Los Angeles, CA $1,524
Philadelphia, PA $1,193
Jacksonville, FL $1,292
Phoenix, AZ $1,036
Chicago, IL $1,195
Houston, TX $1,396
Seattle, WA $869
Columbus, OH $748
Indianapolis, IN $757

Need a specific model?

Choose your model and trim below

Rates by Driver Age

1996 Chevrolet Suburban Insurance Rates by Driver Age
Driver Age Premium
16 $3,648
20 $2,028
30 $902
40 $890
50 $818
60 $800

Full coverage, $500 deductibles

Rates by Deductible

1996 Chevrolet Suburban Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,014
$250 $960
$500 $890
$1,000 $822

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Suburban Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $890
50/100 $978
100/300 $1,089
250/500 $1,376
100 CSL $1,023
300 CSL $1,266
500 CSL $1,443

Full coverage, driver age 40

Rates for High Risk Drivers

1996 Chevrolet Suburban Insurance Rates for High Risk Drivers
Age Premium
16 $5,112
20 $3,228
30 $1,914
40 $1,906
50 $1,824
60 $1,804

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $116

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $44
Multi-vehicle $47
Homeowner $16
5-yr Accident Free $50
5-yr Claim Free $54
Paid in Full/EFT $30
Advance Quote $37
Online Quote $59
Total Discounts $337
Rate after discounts $553

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

1996 Chevrolet Suburban Insurance Rates by State
State Premium
Alabama $806
Alaska $684
Arizona $740
Arkansas $890
California $1,016
Colorado $852
Connecticut $916
Delaware $1,008
Florida $1,114
Georgia $822
Hawaii $640
Idaho $604
Illinois $664
Indiana $670
Iowa $600
Kansas $846
Kentucky $1,216
Louisiana $1,320
Maine $548
Maryland $736
Massachusetts $714
Michigan $1,548
Minnesota $746
Mississippi $1,066
Missouri $790
Montana $958
Nebraska $702
Nevada $1,068
New Hampshire $642
New Jersey $996
New Mexico $790
New York $940
North Carolina $514
North Dakota $728
Ohio $618
Oklahoma $916
Oregon $816
Pennsylvania $852
Rhode Island $1,190
South Carolina $806
South Dakota $752
Tennessee $782
Texas $1,074
Utah $660
Vermont $610
Virginia $534
Washington $690
West Virginia $816
Wisconsin $618
Wyoming $794

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