Updated NAIC 2023 data
Car Insurance Cost for a SUV Per Month in 2026
National avg (35yo, full coverage)
$213/mo
vs sedan baseline
-21%
Annual avg
$2,553/yr
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.
SUV
in Florida driving a SUV
$151/month
Anchored on the state average for a policy with liability, collision and comprehensive. +$31 above national avg
State Min$98/mo10/20/10 (PIP $10K)
Standard$124/mo50/100/50
Full Coverage$151/mo100/300/100
State anchor: NAIC Auto Insurance Database Report, 2023 data year. Age and vehicle adjustments are modelled.
How we calculate thisCompare other vehicle types
Most Expensive SUV Models to Insure
1
Range Rover ($261/mo)
2
Mercedes GLE ($249/mo)
3
BMW X5 ($237/mo)
Cheapest SUV Models to Insure
1
Honda CR-V ($161/mo)
2
Toyota RAV4 ($163/mo)
3
Subaru Forester ($165/mo)
SUV Insurance FAQs
How much is insurance for a SUV per month?⌄
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.
Why does SUV insurance cost less than a sedan?⌄
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.
What is the cheapest SUV to insure?⌄
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.
What is the most expensive SUV to insure?⌄
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.
Does SUV insurance cost more than a sedan?⌄
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.