Car Insurance Cost for a SUV Per Month in 2026

The national average for a SUV with full coverage is approximately $213 per month for a 35-year-old in 2026, per Insurify 2026 and MoneyGeek 2026 cross-referenced data. This represents approximately 0.79x the sedan baseline cost. The range across states is significant: a SUV in Vermont costs roughly $128/month and in Nevada $341/month. Age also matters: a 17-year-old driving the same vehicle pays roughly 3x what a 35-year-old pays.

Counter-intuitive: SUVs typically cost less than sedans. Reason: lower theft rates on most models, higher safety ratings (IIHS), parts widely available, lower bodily-injury severity in collisions due to mass and seating position. Exception: luxury SUVs (Range Rover, Mercedes GLE) reverse this.

Among SUV models, Honda CR-V ($161/mo) is consistently among the cheapest to insure. Toyota RAV4 ($163/mo) and Subaru Forester ($165/mo) round out the low-cost tier. Factors that make a SUV cheap to insure: low theft rate on that specific model, high safety ratings from IIHS, widely available and inexpensive parts, and low claims frequency for that body style. Source: MoneyGeek 2026 by-model, Insure.com 2026.

Range Rover ($261/mo) tops the most-expensive list in the SUV category. Mercedes GLE ($249/mo) and BMW X5 ($237/mo) are close behind. High-cost models share traits: elevated theft rates, expensive repair parts, high-performance or luxury positioning, and lower safety ratings on some trim levels. Source: Insure.com 2026 by-model.

No -- most SUVs are cheaper than sedans to insure, counterintuitively. The national average for an SUV is about $213/month vs $269/month for a sedan (35-year-old, full coverage). The exception is luxury SUVs, which cost significantly more.