Luxury SUV Insurance Cost for 2025: Rates and Comparisons for Every Model

What is the cheapest luxury SUV to insure? We compare average car insurance rates for small, mid-size, and large luxury SUV models to see how prices rank for insurance affordability.

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In 2024, luxury SUVs continue to stand out, not only for their performance and elegance but also for their varying insurance costs.

With higher sticker prices generally comes higher insurance rates, but this year’s crop of models has some pleasant surprises when it comes to the cost of car insurance.

We break down average full coverage insurance rates for all luxury SUV manufactures and group them by size to see which is the cheapest luxury SUV to insure in each segment.

What is the cheapest small luxury SUV to insure?

The cheapest 2024 model year small luxury SUV to insure is the Acura RDX, costing $1,958 annually. For a semi-annual or 6-month policy term, expect to pay around $979. For monthly budgeters, this equates to about $163 each month.

Second and third place honors for the cheapest insurance in the small luxury SUV segment go to the Lexus NX 250, costing $2,072 per year, and the Cadillac XT4 at $2,114 annually.

The table below details average annual and monthly full coverage insurance rates for the entire compact luxury SUV segment.

2024 Small Luxury SUV Insurance Cost Comparison
Rank Make/Model Annual Premium Cost Per Month
1Acura RDX$1,958$163
2Lexus NX 250$2,072$173
3Cadillac XT4$2,114$176
4Lexus NX 350h$2,210$184
5Lincoln Corsair$2,236$186
6Mercedes-Benz GLB 250$2,240$187
7Lexus UX 250h$2,246$187
8Lexus NX 450h$2,258$188
9Mercedes-Benz GLA250$2,282$190
10Mercedes-Benz GLA35 AMG$2,290$191
11Land Rover Evoque$2,336$195
12Lexus NX 350$2,348$196
13Volvo XC40$2,356$196
14Volvo XC60$2,370$198
15Alfa Romeo Tonale$2,376$198
16Mercedes-Benz GLA45 AMG$2,388$199
17BMW X1$2,420$202
18Infiniti QX55$2,424$202
19Volvo C40$2,442$204
20BMW X2$2,452$204
21Lexus RZ 450e$2,478$207
22Mercedes-Benz EQB 300$2,492$208
23Mercedes-Benz GLC300$2,512$209
24Mercedes-Benz EQB 350$2,552$213
25Genesis GV70$2,582$215
26Audi Q3$2,596$216
27Audi Q5$2,606$217
28Alfa Romeo Stelvio$2,630$219
29Land Rover Range Rover Velar$2,660$222
30BMW X4$2,712$226
31Audi Q4$2,736$228
32BMW X3$2,764$230
33Genesis GV60$2,848$237
34Porsche Macan$2,894$241
35Jaguar I-Pace$2,926$244
36Land Rover Defender$3,042$254
37Jaguar F-Pace$3,130$261
38Aston Martin DBX$4,562$380

Data Methodology: Rates and models are for the 2024 model year. Driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle. Updated June 27, 2025

Comparison of the annual and monthly insurance cost for all 2024 model year small luxury SUVs
Comparison of the annual and monthly insurance cost for all 2024 model year small luxury SUVs

Ranked last out of the 38 vehicles in the small luxury SUV class is the Aston Martin DBX, costing an estimated $4,562 per year for auto insurance. That is $2,604 more each year compared to the cheapest small luxury SUV to insure, the Acura RDX.

Which midsize SUV has the cheapest car insurance rates?

The cheapest 2024 model year midsize luxury SUV to insure is the Jaguar E-Pace, costing $2,190 per year. This breaks down to $1,095 for a 6-month policy or $183 per month. With the average midsize luxury SUV costing $2,782 per year for insurance, the Jaguar E-Pace can potentially save around $592 a year.

The other models ranked in the top five midsize luxury SUVs with the cheapest insurance cost include the Cadillac XT5 at $2,210 per year, the Infiniti QX50 at $2,276, the Cadillac XT6 at $2,292, and the Infiniti QX60 at $2,304.

The table below ranks all 41 vehicles in the midsize luxury SUV class by annual and monthly full coverage insurance cost.

2024 Midsize Luxury SUV Insurance Cost Comparison
Rank Make/Model Annual Premium Cost Per Month
1Jaguar E-Pace$2,190$183
2Cadillac XT5$2,210$184
3Infiniti QX50$2,276$190
4Cadillac XT6$2,292$191
5Infiniti QX60$2,304$192
6Mercedes-Benz AMG GLB35$2,308$192
7Acura MDX$2,342$195
8Lexus RX 350$2,350$196
9Lexus TX 350$2,380$198
10Lexus RX 350h$2,410$201
11Lexus TX 500h$2,446$204
12Lexus RX 500h$2,454$205
13Lincoln Nautilus$2,472$206
14Lexus RX 450h$2,476$206
15Volvo V90$2,496$208
16Audi SQ5$2,584$215
17Mercedes-Benz GLE350$2,616$218
18Lincoln Aviator$2,636$220
19Lexus GX 550$2,664$222
20Volvo V60$2,742$229
21Land Rover Discovery Sport$2,746$229
22Mercedes-Benz GLE450$2,758$230
23Cadillac Lyriq$2,784$232
24Volvo EX90$2,806$234
25Audi Q7$2,842$237
26Genesis GV80$2,854$238
27Mercedes-Benz AMG GLC43$2,868$239
28Audi e-tron$2,920$243
29Tesla Model X$2,944$245
30BMW X5$2,992$249
31Audi Q8$3,012$251
32Land Rover Discovery$3,026$252
33Mercedes-Benz AMG GLE53$3,046$254
34Audi SQ7$3,148$262
35BMW iX$3,192$266
36BMW X6$3,272$273
37Land Rover Range Rover Sport$3,410$284
38Audi RS 6$3,482$290
39Porsche Cayenne$3,506$292
40BMW XM$3,844$320
41Mercedes-Benz AMG GLE63$3,948$329

Data Methodology: Rates and models are for the 2024 model year. Driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle. Updated June 27, 2025

Comparison of the annual and monthly insurance cost for all 2024 model year midsize luxury SUVs
Comparison of the annual and monthly insurance cost for all 2024 model year midsize luxury SUVs

Coming in last out of the 41 vehicles in the midsize luxury SUV segment is the Mercedes-Benz AMG GLE63, costing an average of $3,948 annually to insure.

The difference between the cheapest insurance on the Jaguar E-Pace and the most expensive for the Mercedes-Benz AMG GLE63 is $1,758 per year, or around $146 per month.

Which large luxury SUV is cheapest to insure?

The 2024 large luxury SUV with the cheapest insurance rates overall is the Infiniti QX80, costing an average of $2,626 per year. Drivers can expect to pay around $1,313 for a 6-month policy term or around $219 each month.

In second place, the Volvo XC90 costs $2,750 per year, and third place goes to the Lexus LX 600 at $2,942 annually.

The table below ranks all 2024 model year full-size SUVs for insurance affordability, showing both an annual and monthly rate.

2024 Large Luxury SUV Insurance Cost Comparison
Rank Make/Model Annual Premium Cost Per Month
1Infiniti QX80$2,626$219
2Volvo XC90$2,750$229
3Lexus LX 600$2,942$245
4BMW X7$2,992$249
5Lincoln Navigator$3,002$250
6Mercedes-Benz GLS450$3,148$262
7Cadillac Escalade$3,256$271
8BMW Alpina XB7$3,820$318
9Mercedes-Benz EQS 580 SUV$4,202$350
10Land Rover Range Rover$4,236$353
11Mercedes-Benz Maybach GLS 600$4,490$374
12Mercedes-Benz G550$4,656$388
13Mercedes-Benz G63 AMG$5,036$420

Data Methodology: Rates and models are for the 2024 model year. Driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle. Updated June 26, 2025

Comparison of the annual and monthly insurance cost for all 2024 model year large luxury SUVs
Comparison of the annual and monthly insurance cost for all 2024 model year large luxury SUVs

The most expensive large luxury SUV to insure is the Mercedes-Benz G63 AMG, costing $5,036 per year. It will cost around $2,410 more to insure a Mercedes-Benz G63 AMG each year compared to the cheapest large luxury SUV to insure, the Infiniti QX80.

How much does luxury SUV insurance cost?

For small luxury SUVs, the average insurance rate is $2,541 per year. Midsize luxury SUVs have an average insurance cost of $2,782 per year. And finally, large luxury SUVs have an average insurance cost of $3,627 per year.

What are the cheapest luxury SUVs to insure?

For the small luxury SUV segment, the cheapest model to insure is the Acura RDX, costing $1,958 per year. For midsize luxury SUVs, the cheapest insurance rates are on the Jaguar E-Pace, costing $2,190 per year. And finally, the cheapest large luxury SUV to insure is the Infiniti QX80, costing $2,626 per year.

How much is luxury SUV insurance per month?

The average monthly car insurance cost for small luxury SUVs is $212. Midsize luxury SUVs have an average monthly insurance rate of $232. Large luxury SUVs have an average monthly insurance cost of $302.