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2003 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: Nov 23, 2017

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Average insurance rates for a 2003 Chevrolet Suburban are $934 a year with full coverage. Comprehensive costs on average $156, collision costs $168, and liability costs around $452. Buying a liability-only policy costs as low as $504 a year, with high-risk insurance costing around $1,996. Teen drivers receive the highest rates at $3,780 a year or more.

Annual premium for full coverage: $934

Rate estimates for 2003 Chevrolet Suburban Insurance

Comprehensive $156
Collision $168
Liability $452

Rate data is compiled from all 50 U.S. states and averaged for all 2003 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 middle-aged driver, prices range go from as low as $504 for only liability insurance to the much higher price of $1,996 for a high risk driver.

Liability Only $504
Full Coverage $934
High Risk $1,996

View Chart as Image

2003 Chevrolet Suburban insurance rates compared
Column chart showing 2003 Chevrolet Suburban insurance prices range from $577 to $3,780 for full coverage

These differences demonstrate why everyone should compare prices based on a specific location and risk profile, instead of 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 2003 Chevrolet Suburban Insurance

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Trying to find the cheapest auto insurance rates for your Chevrolet Suburban? Have you had enough of robbing Peter to pay Paul each month for car insurance? You’re in the same situation as most other car owners. Many car insurance companies compete to insure your vehicles, so it’s not easy to compare every company to find the absolute best rate

You should make it a habit to compare prices yearly since insurance rates tend to go up over time. Despite the fact that you may have had the lowest price on Suburban insurance on your last policy the chances are good that you can find a lower rate today. You can find a lot of misleading information regarding auto insurance online, so by reading this article, you’re going to learn a bunch of ideas how to find affordable auto insurance.

If you have a current car insurance policy or are looking for a new policy, you can use these tips to get lower rates and possibly find even better coverage. Finding affordable coverage is not that difficult. Drivers only need an understanding of the proper way to buy car insurance online.

These factors can influence what you pay for Chevy Suburban insurance

An important part of buying insurance is that you know the different types of things that help determine your insurance rates. Understanding what influences your rates allows you to make educated decisions that may reward you with much lower annual insurance costs.

The following are some of the items companies use to determine rates.

  • Do you need the policy add-ons? – There are quite a few extra coverages that can waste your money when buying insurance. Coverages for rental car reimbursement, accident forgiveness and membership fees may be costing you every month. They may seem like a good idea when talking to your agent, but your needs may have changed so eliminate them to save money.
  • Your occupation can affect rates – Careers like judges, social workers and stock brokers tend to pay the highest rates attributed to job stress and long work days. On the other hand, occupations such as scientists, students and the unemployed have the lowest average rates on Suburban insurance.
  • Protect yourself with liability coverage – Liability insurance is the coverage that protects you if ever a jury decides you are liable for personal injury or accident damage. Liability provides legal defense which can cost thousands of dollars. This coverage is very inexpensive compared to physical damage coverage, so do not skimp.
  • Your car’s features help determine rates – Owning a car with a theft deterrent system can save you a little every year. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent your car from being stolen.
  • Discounts for married couples – Having a wife or husband can get you a discount when buying insurance. Having a spouse means you’re more mature than a single person and statistics show drivers who are married are more cautious.

The best way we recommend to compare rates is to realize most of the bigger providers provide online access to give you rate quotes. The only thing you need to do is give them rating details like if a SR-22 is needed, an estimate of your credit level, which vehicles you own, and how much coverage you want. That information is submitted instantly to multiple top-rated companies and they return cost estimate within a short period of time.

Discounts are basically free money

Car insurance companies don’t always advertise every available discount in a way that’s easy to find, so the following is a list of both the well known and the harder-to-find insurance coverage savings. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

  • Early Switch Discount – Select companies give a discount for switching to them prior to your current policy expiring. It’s a savings of about 10%.
  • Memberships – Being a member of a civic or occupational organization is a good way to get lower rates when shopping for insurance coverage on Suburban insurance.
  • Service Members Pay Less – Being on active duty in the military could mean lower rates.
  • Discount for Good Grades – Getting good grades can earn a discount of 20% or more. The good student discount can last well after school through age 25.
  • Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts can receive discounts of more than 20%.

Consumers should know that most of the big mark downs will not be given the whole policy. Most only cut the cost of specific coverages such as comp or med pay. So when the math indicates you would end up receiving a 100% discount, insurance coverage companies aren’t that generous.

To see a list of providers with the best insurance coverage discounts, follow this link.

Which insurance is the “right” coverage?

When buying proper insurance coverage for your personal vehicles, there is no best way to insure your cars. Every situation is different so this has to be addressed. For example, these questions can help discover if you would benefit from professional advice.

  • Is a fancy paint job covered?
  • Do I have coverage when using my vehicle for my home business?
  • What is UM/UIM insurance?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Am I getting all the discounts available?
  • How much underlying liability do I need for an umbrella policy?
  • When does my teenage driver need to be added to my policy?
  • Does my car insurance cover rental cars?
  • Does my 2003 Chevy Suburban qualify for pleasure use?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.

Learn about car insurance coverages for a Chevy Suburban

Learning about specific coverages of a car insurance policy helps when choosing the best coverages for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. These are the usual coverages found on most car insurance policies.

Collision – Collision insurance pays for damage to your Suburban caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as rolling your car, sustaining damage from a pot hole, crashing into a ditch, colliding with another moving vehicle and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to save money on collision insurance.

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability auto insurance – Liability insurance will cover injuries or damage you cause to a person or their property. It protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability can pay for claims such as structural damage, legal defense fees and medical services. How much liability coverage do you need? That is your choice, but buy higher limits if possible.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for prosthetic devices, ambulance fees, surgery and EMT expenses. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like damage from getting keyed, hail damage and hitting a deer. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Don’t throw your cash in the trash

Budget-conscious 2003 Chevy Suburban insurance is attainable online in addition to many insurance agents, and you need to comparison shop both to have the best chance of lowering rates. A few companies do not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

When trying to cut insurance costs, never skimp on critical coverages to save a buck or two. Too many times, an insured cut liability coverage limits only to discover later that it was a big mistake. Your focus should be to buy enough coverage at a price you can afford, not the least amount of coverage.

More tips and info about insurance coverage can be read by following these links:

Rates by U.S. City

2003 Chevrolet Suburban Insurance Rates by City
City Premium
New York City, NY $1,476
Los Angeles, CA $1,596
Philadelphia, PA $1,249
Jacksonville, FL $1,357
Phoenix, AZ $1,086
Chicago, IL $1,253
Houston, TX $1,466
Seattle, WA $910
Columbus, OH $782
Indianapolis, IN $796

Need a specific model?

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Rates by Driver Age

2003 Chevrolet Suburban Insurance Rates by Driver Age
Driver Age Premium
16 $3,780
20 $2,122
30 $948
40 $934
50 $858
60 $838

Full coverage, $500 deductibles

Rates by Deductible

2003 Chevrolet Suburban Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,074
$250 $1,012
$500 $934
$1,000 $860

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Suburban Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $934
50/100 $1,024
100/300 $1,137
250/500 $1,431
100 CSL $1,070
300 CSL $1,318
500 CSL $1,499

Full coverage, driver age 40

Rates for High Risk Drivers

2003 Chevrolet Suburban Insurance Rates for High Risk Drivers
Age Premium
16 $5,308
20 $3,372
30 $2,008
40 $1,996
50 $1,908
60 $1,888

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 $121

Potential Rate Discounts

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

Discount Savings
Multi-policy $47
Multi-vehicle $49
Homeowner $17
5-yr Accident Free $54
5-yr Claim Free $57
Paid in Full/EFT $32
Advance Quote $39
Online Quote $62
Total Discounts $357
Rate after discounts $577

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

Find companies with the cheapest rates in your area

2003 Chevrolet Suburban Insurance Rates by State
State Premium
Alabama $844
Alaska $718
Arizona $776
Arkansas $934
California $1,064
Colorado $892
Connecticut $962
Delaware $1,058
Florida $1,170
Georgia $862
Hawaii $672
Idaho $632
Illinois $696
Indiana $704
Iowa $630
Kansas $888
Kentucky $1,274
Louisiana $1,382
Maine $576
Maryland $770
Massachusetts $748
Michigan $1,624
Minnesota $782
Mississippi $1,118
Missouri $828
Montana $1,004
Nebraska $738
Nevada $1,120
New Hampshire $674
New Jersey $1,044
New Mexico $828
New York $984
North Carolina $540
North Dakota $766
Ohio $646
Oklahoma $960
Oregon $854
Pennsylvania $892
Rhode Island $1,248
South Carolina $848
South Dakota $788
Tennessee $818
Texas $1,128
Utah $694
Vermont $640
Virginia $560
Washington $722
West Virginia $854
Wisconsin $646
Wyoming $832

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