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2006 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 2006 Chevrolet Suburban are $1,000 a year for full coverage. Comprehensive costs around $166, collision costs $202, and liability coverage costs $474. Buying a liability-only policy costs as little as $522 a year, with high-risk insurance costing around $2,146. Teenage drivers receive the highest rates at $4,028 a year or more.

Annual premium for full coverage: $1,000

Rate estimates for 2006 Chevrolet Suburban Insurance

Comprehensive $166
Collision $202
Liability $474

Rate data is compiled from all 50 U.S. states and averaged for all 2006 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 $522 for just liability insurance to a much higher rate of $2,146 for a driver who has had serious violations or accidents.

Liability Only $522
Full Coverage $1,000
High Risk $2,146

View Chart as Image

2006 Chevrolet Suburban insurance rates compared
Column chart showing 2006 Chevrolet Suburban insurance prices range from $610 to $4,028 for full coverage

These differences show why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, rather than using average rates.

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 2006 Chevrolet Suburban Insurance

Searching Companies

Nobody looks forward to paying for insurance, especially knowing their premiums are through the roof.

With so many online and local companies to choose from, it’s nearly impossible to pick the most cost effective provider.

Locating affordable protection is not that difficult. Basically, everyone who shops for insurance coverage will be able to find better rates. But consumers can benefit by having an understanding of the way companies sell insurance online and apply this information to your search.

Compare the Market for Car Insurance

Most companies like State Farm, Allstate and GEICO give price estimates directly from their websites. Getting online rates is fairly simple as you simply type in the coverages you want as requested by the quote form. Once you submit the form, the company’s rating system requests credit information and your driving record and gives you a price quote based on these and other factors. This streamlines rate comparisons, but the time it takes to visit multiple sites and enter the same data into a form is repetitive and time-consuming. But it is imperative to have as many quotes as possible in order to find the lowest car insurance rates.

The easy way to compare rates

A less time-consuming method to lower your car insurance bill is to use a quote form to return rates from several companies at one time. The form is fast, helps eliminate reptitive entry, and makes online shopping much easier to do. Immediately after submitting the form, it is rated and you can choose any of the quotes returned.

If the quotes result in lower rates, you simply finish the application and purchase coverage. It just takes a couple of minutes and could lower your rates considerably.

To quickly find out what other companies charge, click here to open in new window and submit the form. If you currently have coverage, we recommend you duplicate deductibles and limits just like they are on your policy. This way, you will have an apples-to-apples comparison for similar coverage.

Are you getting all your discounts?

Car insurance can cost a lot, but there could be available discounts that you may not even be aware of. Certain discounts will be applied when you quote, but some may not be applied and must be manually applied before they will apply.

  • Drive Safe and Save – Insureds without accidents may receive a discount up to 45% less on Suburban coverage than drivers with accidents.
  • Low Mileage – Driving fewer miles can earn a substantially lower rate.
  • No Charge for an Accident – Some insurance companies allow you one accident before hitting you with a surcharge if you are claim-free for a particular time prior to the accident.
  • Student Driver Training – Require your teen driver to enroll in driver’s education if it’s offered in school.
  • Multi-policy Discount – When you have multiple policies with the same insurance company you could get a discount of approximately 10% to 15%.
  • Accident Free – Good drivers with no accidents pay much less compared to drivers who are more careless.
  • Federal Government Employee – Being employed by or retired from a federal job can save as much as 8% on Suburban coverage with select insurance companies.
  • 55 and Retired – Older drivers may receive reduced rates on Suburban coverage.
  • Memberships – Affiliation with certain professional organizations could trigger savings on your policy on Suburban coverage.

Consumers should know that most discounts do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like comp or med pay. Even though it may seem like having all the discounts means you get insurance for free, companies don’t profit that way. Any qualifying discounts will bring down your overall premium however.

To see a list of providers offering insurance coverage discounts, follow this link.

What determines your Chevy Suburban insurance premium

It’s important that you understand the different types of things that come into play when calculating insurance rates. Having a good understanding of what controls the rates you pay enables informed choices that could result in better insurance rates.

  • Don’t let your coverage lapse – Allowing your insurance policy to lapse will be a sure-fire way to bump up your insurance costs. Not only will rates go up, getting caught without coverage can result in a revoked license or a big fine.You may need to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
  • Your location affects your rates – Choosing to live in a rural area has it’s advantages when buying insurance. Drivers in populated areas regularly have congested traffic and longer commutes to work. Lower population means fewer accidents.
  • Poor driving leads to higher costs – Even one citation can increase rates twenty percent or more. Good drivers get better rates than their less careful counterparts. If you have dangerous violations like DWI, reckless driving or hit and run convictions may find they need to file a proof of financial responsibility form (SR-22) with their state DMV in order to prevent a license revocation.
  • Older drivers save more – Teenage drivers are known to get distracted easily in a vehicle so insurance rates are higher. Mature drivers are more responsible, file fewer claims and receive fewer citations.
  • Pay less if you’re married – Having a spouse actually saves money when buying insurance. Marriage is viewed as being more responsible and statistics show drivers who are married are more cautious.

When might I need an agent?

When it comes to choosing the right insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different so your insurance needs to address that. Here are some questions about coverages that can help discover whether your personal situation would benefit from professional advice.

  • Do I need higher collision deductibles?
  • Should I have combined single limit or split liability limits?
  • Does my 2006 Chevy Suburban need full coverage?
  • Is my cargo covered for damage or theft?
  • Am I covered by my spouse’s policy after a separation?
  • Is business property covered if stolen from my car?
  • Am I covered when delivering products for my home-based business?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.

Auto insurance coverages explained

Having a good grasp of auto insurance can be of help when determining the right coverages for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverage types found on most auto insurance policies.

Collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things like hitting a mailbox, scraping a guard rail, driving through your garage door, crashing into a building and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.

Liability insurance

Liability insurance protects you from damage that occurs to other’s property or people that is your fault. It protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like medical expenses, repair bills for other people’s vehicles and bail bonds. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as damage from getting keyed, vandalism, a broken windshield, hitting a bird and theft. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your 2006 Chevy Suburban.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Normally the UM/UIM limits are set the same as your liablity limits.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for bills for things like pain medications, funeral costs and hospital visits. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Don’t throw your cash in the trash

As you prepare to switch companies, it’s very important that you do not buy less coverage just to save a little money. There have been many cases where consumers will sacrifice liability limits or collision coverage to discover at claim time they didn’t purchase enough coverage. Your strategy should be to buy enough coverage at the best price while still protecting your assets.

In this article, we covered some good ideas how to reduce 2006 Chevy Suburban insurance prices online. The key concept to understand is the more providers you compare, the better chance you’ll have of finding lower rates. Consumers could even find that the biggest savings come from a smaller regional carrier. Some small companies may have significantly lower rates on certain market segments than the large multi-state companies such as Allstate, GEICO and Progressive.

Even more information can be read by following these links:

Rates by U.S. City

2006 Chevrolet Suburban Insurance Rates by City
City Premium
New York City, NY $1,581
Los Angeles, CA $1,710
Philadelphia, PA $1,336
Jacksonville, FL $1,452
Phoenix, AZ $1,162
Chicago, IL $1,339
Houston, TX $1,568
Seattle, WA $975
Columbus, OH $835
Indianapolis, IN $850

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2006 Chevrolet Suburban Insurance Rates by Driver Age
Driver Age Premium
16 $4,028
20 $2,276
30 $1,016
40 $1,000
50 $916
60 $898

Full coverage, $500 deductibles

Rates by Deductible

2006 Chevrolet Suburban Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,158
$250 $1,086
$500 $1,000
$1,000 $916

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Suburban Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,000
50/100 $1,095
100/300 $1,213
250/500 $1,521
100 CSL $1,142
300 CSL $1,403
500 CSL $1,593

Full coverage, driver age 40

Rates for High Risk Drivers

2006 Chevrolet Suburban Insurance Rates for High Risk Drivers
Age Premium
16 $5,668
20 $3,630
30 $2,162
40 $2,146
50 $2,052
60 $2,030

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 $133

Potential Rate Discounts

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

Discount Savings
Multi-policy $51
Multi-vehicle $54
Homeowner $18
5-yr Accident Free $60
5-yr Claim Free $62
Paid in Full/EFT $35
Advance Quote $43
Online Quote $67
Total Discounts $390
Rate after discounts $610

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

Find companies with the cheapest rates in your area

2006 Chevrolet Suburban Insurance Rates by State
State Premium
Alabama $904
Alaska $766
Arizona $830
Arkansas $1,000
California $1,140
Colorado $954
Connecticut $1,028
Delaware $1,132
Florida $1,252
Georgia $922
Hawaii $720
Idaho $674
Illinois $744
Indiana $752
Iowa $674
Kansas $952
Kentucky $1,364
Louisiana $1,480
Maine $616
Maryland $824
Massachusetts $800
Michigan $1,736
Minnesota $838
Mississippi $1,198
Missouri $888
Montana $1,074
Nebraska $790
Nevada $1,200
New Hampshire $720
New Jersey $1,118
New Mexico $886
New York $1,054
North Carolina $576
North Dakota $820
Ohio $690
Oklahoma $1,028
Oregon $916
Pennsylvania $954
Rhode Island $1,334
South Carolina $904
South Dakota $844
Tennessee $876
Texas $1,206
Utah $742
Vermont $686
Virginia $600
Washington $774
West Virginia $916
Wisconsin $694
Wyoming $892

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