Most expensive and cheapest SUVs to insure in 2025

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

SUVs have steadily gained popularity over the years, not just for their versatility and comfort but also for their lower car insurance premiums. Insurers often view SUVs as safer, thanks to their robust construction and advanced safety features, which can result in lower rates compared to other types of cars. 

Our data shows that drivers who own an SUV pay an average of $2,553 per year for insurance, almost 26% less than the cost to insure a sedan. Honda CR-V is the cheapest SUV to insure, costing $1,932 annually, while Mercedes-AMG G63 is the most expensive SUV to insure, costing $5,357.

Choosing the right vehicle can make a significant difference in your annual insurance expenses. While many might assume that the cost to insure a large vehicle like an SUV would be steep, the reality is quite different. While larger SUVs cost more to insure than smaller ones, overall SUVs often have lower rates, thanks to a combination of safety benefits, lower theft rates and reasonable repair costs. Understanding these factors can help you make an informed decision when it’s time to choose your next car.

Average cost of SUV insurance overall

On average, SUV drivers pay an annual auto insurance premium of $2,553. That’s almost 26% lower than the average annual premium for a sedan, which is $3,222. It’s also noticeably lower than the average annual price to insure a hatchback, which is $2,661. 

“SUVs tend to be cheaper since they’re safer, which reduces injury claims. An SUV is less likely to suffer major damage in a crash with a car,” says Paul Schneider, owner of Schnieder & Associates Insurance Agencies.

Schnieder continues, “Fewer and less severe claims mean lower costs for insurers to cover. “

The table below highlights the average car insurance rate by vehicle type. 

Cheapest SUVs to insure

The SUV you drive can make a big difference — some models cost hundreds less than the average annual premium of $2,553.

Some of the most affordable SUVs to insure include the Honda CR-V, Honda HR-V, Volkswagen Tiguan, Chevrolet TrailBlazer and Subaru Forester. 

The table below highlights the most affordable SUVs to insure, on average. 

Most expensive SUVs to insure

On the flip side, certain SUVs can cost much more to insure than the $2,553 annual average. Some of the priciest SUVs to insure include the Mercedes-AMG G63, BMW X6 M, Maserati Levante, Audi RS Q8, and BMW XM.

The table below shows the average annual premiums for some of the most expensive SUVs to insure.

Our agents make it hassle-free to get the right quote.

Call (844) 814-8854

Ethan Available Now

Jack Available Now

Robbie Available Now

Ellie Available Now

SUV insurance cost calculator

How do SUV insurance costs stack up against other cars?

SUV insurance costs tend to be lower than those for other types of vehicles, including cars and hatchbacks. Here’s how the prices stack up.

SUV vs. sedan insurance rates

The average annual premium for an SUV is about $2,553, compared to $3,222 for a sedan. That’s nearly a 26% lower average premium for SUVs than for sedans.

See how the rates compare in the table below. 

SUV vs. hatchback insurance rates

Insuring an SUV is slightly more affordable than insuring a hatchback. While the average difference in cost is just 4%, these savings add up over time for SUV owners.

Here’s a breakdown of how the rates stack up.

SUV insurance rates by type

The SUV you drive has a big impact on your insurance bill. Since every model comes with its own safety features and repair costs, premiums can vary a lot from one SUV to another.

How much does it cost to insure a luxury SUV?

“Luxury SUVs cost more to insure due to higher repair and replacement costs for parts,” says Schneider.

“A bumper for a Range Rover can run $3,000 compared to $500 for a Ford Explorer. Insurers pass on these costs through higher rates,” he says.

But the cost of insuring a luxury vehicle ultimately comes down to the type of SUV you drive. For example, it costs less than $2,000 per year to insure an Acura RDX or Buick Envision. But it costs over $4,000 per year to insure a Range Rover P530, Range Rover P400, Range Rover P530 Autobiography, or a Maserati Levante Trofeo — more than double the cost.

Here’s a look at the average insurance costs for a range of luxury SUVs.

How much does it cost to insure a performance SUV?

If you drive a performance SUV, expect to pay higher rates for car insurance. But there’s still a range to consider. 

For example, a Hyundai Kona N costs $2,048 to insure. On the other end of the spectrum, a BMW X6 M, Audi RS Q8, and Tesla Model X Plaid each cost over $4,000 annually to insure. 

How much does SUV insurance cost by state?

Car insurance costs vary based on where you live. Below is a look at the most and least expensive states. 

The most expensive states for SUV insurance

In each of these states, it costs over $3,000 per year to insure an SUV. 

The most affordable states for SUV insurance

In each of these states, it costs $2,000 or less per year to insure an SUV. 

How to find cheap SUV insurance and lower your rates

SUVs are popular for their safety and space, but insuring one can be pricey. To get the lowest rates for SUV insurance, start by comparing quotes from several companies — rates can vary significantly based on the model, your location and driving history.

You can also save by raising your deductible, bundling your SUV insurance with home or renters insurance, or maintaining a clean driving record. Many insurers offer discounts for safety features, anti-theft devices or low annual mileage, so be sure to ask what applies to your vehicle.

Looking for cheap SUV insurance before you buy can also pay off — some models are much more affordable to insure than others. Researching insurance costs ahead of time can help you avoid surprises and keep your monthly premium within budget.

Methodology

Insure.com commissioned data for SUVs from Quadrant Information Services for all 50 states and Washington D.C. Rates are based on a 40-year-old male driver. The coverage limits are $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage per accident, with $500 deductibles for comprehensive and collision coverage. 

To evaluate the premiums, we compared 67,566,780 insurance quotes from 57 insurance companies across 510 ZIP codes nationwide. 

Sarah Sharkey

Contributing Researcher

 

|

 . .

Sarah Sharkey is a personal finance writer with a master’s degree in management from the Hough School of Business at the University of Florida. She enjoys helping readers find money solutions that work. She has written for numerous personal-finance publications including Money Under 30 and The College Investor.