Although there are many misconceptions about insurance for SUVs. One such thought is that SUVs are safer than cars. Vehicle crash tests have actually confirmed that in cars and SUVs of a similar weight, the cars are safer. It is true that SUVs are very safe for the driver. The main reason that insurance for SUVs is on average 10 to 20 percent more expensive is because of the potential damage that they can cause if involved in an accident. Insurance companies are concerned with potential liability and medical payments that they will have to cover. Since SUVs are larger and heavier than cars, they are more dangerous on the road. This makes the driver safer, but the safety of pedestrians and other drivers goes down. Pedestrians struck by SUVs have a risk of serious injury that is 300 percent higher than if they were struck by a car, and passengers in cars that were struck by SUVs also experienced greater injury.

Another factor that raises the cost of insurance for SUVs is the higher cost of replacement parts. Many parts in SUVs have to be specially ordered and shipped from factories, which attributes to the higher cost. Insurance companies also know that SUVs are more likely to be in a rollover accident than a passenger car, which also raises insurance costs.

When searching for auto insurance for your SUV, be sure to investigate the policies offered by different policies to make sure you don't over pay. Even though car insurance companies raise prices on SUVs due to their ability to cause potential damage on the road, they do recognize the safety features in these vehicles. Make sure that you work with a variety of companies so you can explore the discounts available.