Car Insurance Rates for a Chevy Suburban in San Antonio

Insurance quote for Chevy Suburban in San AntonioAre you researching more affordable insurance rates in San Antonio, TX? San Antonio shoppers have many options when shopping for low-cost Chevy Suburban insurance. They can either spend hours struggling with agents getting price quotes or utilize the internet to get rate quotes. There is a better way to compare insurance rates and we’ll show you the best way to compare rates for a Chevy and obtain the lowest price from San Antonio insurance agents and online providers.

Shop Chevy Suburban insurance online

The companies shown below can provide free quotes in Texas. If the list has multiple companies, we suggest you visit as many as you can to get the most competitive price.

Rates and detailed analysis

The information displayed below covers a range of insurance premium costs for Chevy Suburban models. Being aware of how auto insurance policy rates are calculated is important for drivers to make decisions on which coverage to buy.


Chevrolet Suburban Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Suburban LS 2WD $326 $570 $462 $28 $138 $1,524 $127
Suburban LT 2WD $326 $570 $462 $28 $138 $1,524 $127
Suburban LS 4WD $326 $570 $462 $28 $138 $1,524 $127
Suburban LT 4WD $326 $570 $462 $28 $138 $1,524 $127
Suburban LTZ 2WD $326 $672 $462 $28 $138 $1,626 $136
Suburban LTZ 4WD $362 $672 $462 $28 $138 $1,662 $139
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Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Information does not factor in your specific San Antonio location which can lower or raise premiums substantially.

Should you raise deductibles?

The hardest decision when buying coverage is the level to set your comp and collision deductibles. The comparison tables below may aid in understanding the rate differences between high and low coverage deductibles. The first rate quote example uses a $250 deductible for comprehensive and collision coverage and the second price table uses a $500 deductible.


Chevrolet Suburban insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Suburban LS 2WD $332 $496 $382 $22 $114 $1,371 $114
Suburban LT 2WD $332 $496 $382 $22 $114 $1,371 $114
Suburban LS 4WD $332 $496 $382 $22 $114 $1,371 $114
Suburban LT 4WD $332 $496 $382 $22 $114 $1,371 $114
Suburban LTZ 2WD $332 $584 $382 $22 $114 $1,459 $122
Suburban LTZ 4WD $370 $584 $382 $22 $114 $1,497 $125
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Chevrolet Suburban insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Suburban LS 2WD $270 $400 $382 $22 $114 $1,188 $99
Suburban LT 2WD $270 $400 $382 $22 $114 $1,188 $99
Suburban LS 4WD $270 $400 $382 $22 $114 $1,188 $99
Suburban LT 4WD $270 $400 $382 $22 $114 $1,188 $99
Suburban LTZ 2WD $270 $472 $382 $22 $114 $1,260 $105
Suburban LTZ 4WD $300 $472 $382 $22 $114 $1,290 $108
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Premium amounts do not factor in San Antonio location which can increase or decrease prices greatly.

Based on this data, using a $250 deductible costs approximately $15 more each month or $180 a year averaged for all Suburban models than opting for the higher $500 deductible. Since you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you normally go more than 17 months between claim filings, you would more than likely save some money if you opt for a higher deductible.

The example below demonstrates how deductibles and can impact Chevy Suburban insurance costs for different ages of insureds. The rate quotes are based on a single male driver, comprehensive and collision coverage, and no other discounts are factored in.

How violations and accidents impact rates

The diagram below illustrates how traffic citations and at-fault collisions can impact Chevy Suburban yearly insurance costs for different ages of insureds. The information is based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are factored in.

Comparison of auto insurance rates by age and gender in San Antonio

The illustration below compares Chevy Suburban insurance prices for male and female drivers. The premiums are based on no driving violations, no at-fault accidents, full coverage, $100 deductibles, single marital status, and no discounts are applied to the premium.

Full coverage versus liability-only in San Antonio

The illustration below illustrates the difference between Chevy Suburban insurance prices with full coverage compared to only the Texas minimum liability coverage. The information is based on no violations or accidents, $1,000 deductibles, single marital status, and no policy discounts are applied.

Are you wasting money paying for full coverage?

There is no specific rule of when to eliminate full coverage, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is 10% or more of the replacement cost minus the deductible, then you might want to think about dropping full coverage.

For example, let’s say your Chevy Suburban claim settlement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would receive is $7,000 after you pay the deductible. If it’s costing you more than $700 a year for your policy with full coverage, then it could be time to drop full coverage.

There are some conditions where dropping physical damage coverage is not recommended. If you still owe money on your vehicle, you have to maintain full coverage as part of the loan requirements. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should not opt for liability only.

Insurance protects more than just your car

Despite the high cost, maintaining insurance may be required for several reasons.

First, the majority of states have minimum liability requirements which means the state requires a specific minimum amount of liability in order to be legal. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if your vehicle has a loan, it’s most likely the lender will require you to have insurance to guarantee payment of the loan. If coverage lapses or is canceled, the bank may insure your Chevy at a significantly higher premium and force you to pay the higher price.

Third, insurance preserves both your assets and your Chevy Suburban. It will also reimburse you for many types of medical costs for both you and anyone you injure as the result of an accident. As part of your policy, liability insurance will also pay to defend you if someone files suit against you as the result of an accident. If you have damage to your Chevy as the result of the weather or an accident, comprehensive (other-than-collision) and collision coverage will cover the repair costs.

The benefits of insuring your Suburban are definitely more than the cost, particularly if you ever have a claim. According to a recent study, the average American driver is overpaying more than $865 each year so shop around each time the policy renews to ensure rates are inline.

How Your Suburban Insurance Costs are Determined

Lots of things are used when you quote your car insurance policy. Most are fairly basic like a motor vehicle report, although some other factors are less apparent like your vehicle usage or your commute time.

More comparisons equals cheaper rates

We covered a lot of tips how to compare Chevy Suburban insurance rates in San Antonio. It’s most important to understand that the more you quote San Antonio car insurance, the better your comparison will be. You may even find the best price on insurance is with some of the lesser-known companies.

More affordable insurance in San Antonio can be purchased on the web as well as from insurance agents, and you should be comparing both to have the best selection. There are still a few companies who don’t offer the ability to get a quote online and these regional carriers only sell coverage through local independent agencies.

People leave their current company for a number of reasons such as being labeled a high risk driver, extreme rates for teen drivers, questionable increases in premium or even policy non-renewal. It doesn’t matter why you want to switch switching insurance companies is easier than you think.

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