2016 Chevrolet Suburban Insurance Rates
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UPDATED: Dec 19, 2019
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Average insurance rates for a 2016 Chevrolet Suburban are $1,328 a year for full coverage insurance. Comprehensive costs on average $270 each year, collision costs $458, and liability insurance costs $442. Buying a liability-only policy costs as little as $496 a year, with high-risk insurance costing around $2,872. Teenage drivers receive the highest rates at $5,040 a year or more.
Annual premium for full coverage: $1,328
Rate estimates for 2016 Chevrolet Suburban Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2016 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 high rate of $2,872 for a driver who has had serious violations or accidents.
These differences illustrate why all drivers should compare rates based on a specific location and risk profile, rather than relying on 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 2016 Chevrolet Suburban Insurance
Trying to find low-cost insurance for a Chevy Suburban could be an all-consuming task, but you can learn our insurance coverage buying tips and make it easy.
There are both good and bad ways to buy insurance coverage and you need to know the quickest way to compare rates for your Chevy and obtain the lowest possible price either online or from local insurance agents.
Smart consumers take time to quote other rates every six months since prices trend upward over time. Just because you found the best quotes for Suburban insurance at your last renewal you can probably find a lower rate today. Forget all the misinformation about insurance coverage because it’s time to teach you the things you must know in order to find better rates and still maintain coverage.
Drivers save money with with these ten discounts
Companies don’t always publicize every discount very well, so we break down some of the best known and also the lesser-known credits available to lower your premiums when you buy insurance online.
- Active Service Discounts – Being on active deployment in the military could mean lower rates.
- Cautious Driver Discounts – Insureds who avoid accidents can save as much as half off their rates for Suburban insurance compared to accident prone drivers.
- Memberships – Belonging to a professional or civic organization may earn a discount on auto insurance.
- Savings for New Vehicles – Putting coverage on a new car can get you a discount since new vehicles are generally safer.
- Use Seat Belts – Using a seat belt and requiring all passengers to buckle up could save 15% on medical payment and PIP coverage.
- Accident Forgiveness Coverage – but companies like Progressive, Allstate, and Liberty Mutual will turn a blind eye to one accident without getting socked with a rate hike if you are claim-free before the accident.
- Pay Early and Save – By paying your policy upfront instead of paying each month you could save up to 5%.
- Defensive Driver Discounts – Passing a course that instructs on driving safety could earn you a small percentage discount and make you a better driver.
- Telematics Data Discounts – Drivers who agree to allow their auto insurance company to spy on when and where they use their vehicle by using a telematics device in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive may see discounts if their driving habits are good.
- Senior Citizen Discount – Drivers that qualify as senior citizens may qualify for better auto insurance rates for Suburban insurance.
Discounts save money, but please remember that most discounts do not apply to the entire cost. A few only apply to individual premiums such as collision or personal injury protection. So when the math indicates you could get a free auto insurance policy, you’re out of luck.
Larger auto insurance companies and their offered discounts are shown below.
- State Farm may include discounts for safe vehicle, Steer Clear safe driver discount, good student, accident-free, and multiple autos.
- Esurance has discounts for claim free, Pac-12 alumni, Switch & Save, good driver, online quote, renters, and multi-car.
- Progressive offers discounts including continuous coverage, multi-vehicle, homeowner, online signing, and online quote discount.
- Liberty Mutual has savings for hybrid vehicle, preferred payment discount, multi-car, good student, newly married, and teen driver discount.
- Auto-Owners Insurance may have discounts that include multiple vehicles, paperless, safe driver, safe vehicle, student away at school, mature driver, and paid in full.
- GEICO offers discounts for emergency military deployment, seat belt use, multi-vehicle, daytime running lights, driver training, and membership and employees.
If you need inexpensive insurance quotes, ask all companies you are considering which credits you are entitled to. A few discounts may not apply to policies in every state.
Shop insurance online
Comparing insurance rates can be challenging if you don’t utilize the easiest way. You can spend countless hours talking about coverages with local insurance agents in your area, or you can stay home and use online quoting to accomplish the same thing much quicker.
Most of the best insurance companies enroll in a system that allows shoppers to submit their information once, and each company then gives them pricing for coverage. This prevents consumers from doing quotation requests to each company.
To access this free quoting program, click to open in new window.
The one disadvantage to getting quotes like this is that consumers can’t choose which companies you will receive quotes from. If you wish to select from a list of companies to receive pricing from, we have a page of insurance companies in your area. Click here to view list.
Whichever way you choose to compare rates, make darn sure you compare the exact same information on every quote you get. If you enter higher or lower deductibles it will be nearly impossible to decipher which rate is best.
Your situation helps dictate your coverage
When buying the right insurance coverage, there really is not a “perfect” insurance plan. Every situation is different.
Here are some questions about coverages that may help highlight whether your personal situation could use an agent’s help.
- When should I drop full coverage on my 2016 Chevy Suburban?
- Will I be non-renewed for getting a DUI or other conviction?
- Are rental cars covered under my policy?
- When should my teen driver be added to my policy?
- Do I need PIP coverage since I have good health insurance?
- How does medical payments coverage work?
- What if I owe more than I can insure my car for?
- Am I covered when driving someone else’s vehicle?
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If you’re not sure about those questions, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.
Detailed coverages of your insurance policy
Understanding the coverages of your insurance policy can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.
Auto collision coverage
Collision insurance covers damage to your Suburban from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.
Collision insurance covers things such as colliding with another moving vehicle, driving through your garage door, hitting a parking meter, rolling your car and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also increase the deductible to bring the cost down.
Auto liability insurance
This protects you from damages or injuries you inflict on people or other property. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.
Liability can pay for things like emergency aid, repair bills for other people’s vehicles, funeral expenses, pain and suffering and attorney fees. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.
Uninsured and underinsured coverage
Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants and damage to your Chevy Suburban.
Since many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally the UM/UIM limits are identical to your policy’s liability coverage.
Coverage for medical payments
Medical payments and Personal Injury Protection insurance reimburse you for expenses for nursing services, doctor visits and dental work. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage
This pays for 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 pays for things such as rock chips in glass, damage from a tornado or hurricane and a broken windshield. The highest amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
More quotes. Lower rates.
We just showed you a lot of ways to reduce 2016 Chevy Suburban insurance prices online. The most important thing to understand is the more times you quote, the more likely it is that you will get a better rate. You may even find the lowest priced insurance coverage comes from a company that doesn’t do a lot of advertising.
Consumers change insurance companies for a variety of reasons including denial of a claim, poor customer service, lack of trust in their agent and even policy non-renewal. No matter why you want to switch, finding the right insurance coverage provider is pretty easy and you might even save some money in the process.
Some insurance coverage companies may not provide the ability to get quotes online regional carriers prefer to sell through independent insurance agencies. More affordable insurance coverage can be purchased both online in addition to local insurance agencies, and you need to price shop both in order to have the best price selection to choose from.
Much more information about insurance coverage is available on the following sites:
- Insurance Losses by Make and Model (iihs.org)
- Where can I buy Insurance? (Insurance Information Insitute)
- Shopping for a Safe Car (Insurance Information Insitute)
- Help Your Teen Be a Better Driver (State Farm)
- Car Insurance: When not to Skimp (BankRate.com)
- Teen Driving Statistics (GEICO)
Rates by U.S. City
|New York City, NY||$2,100|
|Los Angeles, CA||$2,271|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$94|
|5-yr Claim Free||$86|
|Paid in Full/EFT||$58|
Discounts are estimated and may not be available from every company or in every state.