Compare SUV insurance quotes in Canada

In Canada, it's mandatory to carry car insurance on any vehicle you operate – and this includes SUVs. Insurance for SUVs works the same as coverage for any other traditional vehicle. You'll need to carry the minimum required coverage within your province, and you'll have the ability to customize the coverage with optional add-ons.

And in case you need a refresher on how auto insurance works in general – by paying your provider regular payments, they agree to bail you out (financially) after an unforeseen event involving your car. Depending on your policy's coverage, this can include liability suits, medical benefits, and car repairs. 

To learn more about everything there is to know about SUV insurance in Canada, be sure to read on. And when you're ready, compare personalized auto insurance quotes for your specific SUV, so you can find your lowest rate with us.

Here, we break down the main types of car insurance for SUVs in Canada. While some of these are mandatory and others may be optional (depending on where you live), it's important to understand all the coverages included in your policy.

As mentioned, you can also customize your SUV insurance policy to fulfill any specific coverage needs. While endorsements vary depending on the insurer you choose, we cover a few of the most common options here.

There is no one-price-fits-all for SUV insurance (or for any insurance for that matter). Instead, insurance companies calculate personalized quotes based on the risk you and your vehicle present. You won't know the exact price you'll be paying until you shop the Canadian market yourself. Here, we show a few recent SUV car insurance quotes our users received when comparing options with us – just like we've helped them find their lowest rate, we can help you too.

If you're looking to purchase an SUV, but you want to make sure the insurance on the vehicle will be affordable, we've compiled a list of the top 10 best-selling SUVs in Canada – along with sample insurance quotes for each one.

This comparison gives an apples-to-apples comparison as we use the same hypothetical driver for each quote: a 42-year-old woman, living in Toronto, Ontario. She drives 20,000 km each year, based on a daily commute of 15 km.

The policy consists of the basic $1 million in liability coverage, along with a $1,000 deductible for collision insurance and comprehensive insurance add-ons. Additionally, the policy includes a few endorsements: loss of use coverage, accident forgiveness insurance, and waiver for limited depreciation. 

The cheapest SUV to insure based on the top 10 list is the Hyundai Kona. The Ford Escape and Toyota RAV4 tie for second place, at just a few dollars more each month. However, note that the most expensive vehicle on the list – the Jeep Grand Cherokee – costs more than double the amount of money to insure than most SUVs on the list. This highlights the importance of comparing SUV insurance quotes ahead of time, so you can ensure your coverage is within your price range. 

Not necessarily – SUVs are actually often less expensive to insure, but of course, this depends on which vehices you're comparing insurance prices against. For example, a new luxury SUV (e.g. BMW, Mercedes-Benz) will likely cost more to protect than an old, basic sedan from Toyota or Honda. 

But overall, SUVs are often considered safe vehicles, which can work in your favour when it comes to insurance rates. Many models come equipped with advanced safety features and strong crash-test ratings. Additionally, midsize SUVs are commonly driven by families, a group that insurers may view as lower risk – leading to more affordable premiums.

In cases where SUVs have higher insurance costs, it’s often due to the specific make or model. Here are a few factors that can lead to higher premiums:

To lower your SUV car insurance, there are several steps you can take. By following these tips below, you can ensure you're getting the best rate possible: