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 $2,006 annually. For a semi-annual or 6-month policy term, expect to pay around $1,003. For monthly budgeters, this equates to about $167 each month.
Second and third place honors for the cheapest insurance in the small luxury SUV segment go to the Lexus NX 250, costing $2,124 per year, and the Cadillac XT4 at $2,166 annually.
The table below details average annual and monthly full coverage insurance rates for the entire compact luxury SUV segment.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Acura RDX | $2,006 | $167 |
| 2 | Lexus NX 250 | $2,124 | $177 |
| 3 | Cadillac XT4 | $2,166 | $181 |
| 4 | Lexus NX 350h | $2,264 | $189 |
| 5 | Lincoln Corsair | $2,292 | $191 |
| 6 | Mercedes-Benz GLB 250 | $2,296 | $191 |
| 7 | Lexus UX 250h | $2,300 | $192 |
| 8 | Lexus NX 450h | $2,314 | $193 |
| 9 | Mercedes-Benz GLA250 | $2,340 | $195 |
| 10 | Mercedes-Benz GLA35 AMG | $2,348 | $196 |
| 11 | Land Rover Evoque | $2,396 | $200 |
| 12 | Lexus NX 350 | $2,406 | $201 |
| 13 | Volvo XC40 | $2,416 | $201 |
| 14 | Volvo XC60 | $2,430 | $203 |
| 15 | Alfa Romeo Tonale | $2,434 | $203 |
| 16 | Mercedes-Benz GLA45 AMG | $2,446 | $204 |
| 17 | BMW X1 | $2,476 | $206 |
| 18 | Infiniti QX55 | $2,482 | $207 |
| 19 | Volvo C40 | $2,502 | $209 |
| 20 | BMW X2 | $2,510 | $209 |
| 21 | Lexus RZ 450e | $2,542 | $212 |
| 22 | Mercedes-Benz EQB 300 | $2,554 | $213 |
| 23 | Mercedes-Benz GLC300 | $2,572 | $214 |
| 24 | Mercedes-Benz EQB 350 | $2,614 | $218 |
| 25 | Genesis GV70 | $2,642 | $220 |
| 26 | Audi Q3 | $2,660 | $222 |
| 27 | Audi Q5 | $2,670 | $223 |
| 28 | Alfa Romeo Stelvio | $2,694 | $225 |
| 29 | Land Rover Range Rover Velar | $2,726 | $227 |
| 30 | BMW X4 | $2,780 | $232 |
| 31 | Audi Q4 | $2,800 | $233 |
| 32 | BMW X3 | $2,830 | $236 |
| 33 | Genesis GV60 | $2,918 | $243 |
| 34 | Porsche Macan | $2,962 | $247 |
| 35 | Jaguar I-Pace | $3,000 | $250 |
| 36 | Land Rover Defender | $3,114 | $260 |
| 37 | Jaguar F-Pace | $3,206 | $267 |
| 38 | Aston Martin DBX | $4,672 | $389 |
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 October 24, 2025
Ranked last out of the 38 vehicles in the small luxury SUV class is the Aston Martin DBX, costing an estimated $4,672 per year for auto insurance. That is $2,666 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 $2,242 per year. This breaks down to $1,121 for a 6-month policy or $187 per month. With the average midsize luxury SUV costing $2,850 per year for insurance, the Jaguar E-Pace can potentially save around $608 a year.
The other models ranked in the top five midsize luxury SUVs with the cheapest insurance cost include the Cadillac XT5 at $2,264 per year, the Infiniti QX50 at $2,330, the Cadillac XT6 at $2,348, and the Infiniti QX60 at $2,358.
The table below ranks all 41 vehicles in the midsize luxury SUV class by annual and monthly full coverage insurance cost.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Jaguar E-Pace | $2,242 | $187 |
| 2 | Cadillac XT5 | $2,264 | $189 |
| 3 | Infiniti QX50 | $2,330 | $194 |
| 4 | Cadillac XT6 | $2,348 | $196 |
| 5 | Infiniti QX60 | $2,358 | $197 |
| 6 | Mercedes-Benz AMG GLB35 | $2,364 | $197 |
| 7 | Acura MDX | $2,396 | $200 |
| 8 | Lexus RX 350 | $2,406 | $201 |
| 9 | Lexus TX 350 | $2,440 | $203 |
| 10 | Lexus RX 350h | $2,468 | $206 |
| 11 | Lexus TX 500h | $2,506 | $209 |
| 12 | Lexus RX 500h | $2,514 | $210 |
| 13 | Lincoln Nautilus | $2,534 | $211 |
| 14 | Lexus RX 450h | $2,538 | $212 |
| 15 | Volvo V90 | $2,558 | $213 |
| 16 | Audi SQ5 | $2,646 | $221 |
| 17 | Mercedes-Benz GLE350 | $2,680 | $223 |
| 18 | Lincoln Aviator | $2,698 | $225 |
| 19 | Lexus GX 550 | $2,728 | $227 |
| 20 | Volvo V60 | $2,808 | $234 |
| 21 | Land Rover Discovery Sport | $2,814 | $235 |
| 22 | Mercedes-Benz GLE450 | $2,826 | $236 |
| 23 | Cadillac Lyriq | $2,852 | $238 |
| 24 | Volvo EX90 | $2,876 | $240 |
| 25 | Audi Q7 | $2,912 | $243 |
| 26 | Genesis GV80 | $2,926 | $244 |
| 27 | Mercedes-Benz AMG GLC43 | $2,938 | $245 |
| 28 | Audi e-tron | $2,994 | $250 |
| 29 | Tesla Model X | $3,016 | $251 |
| 30 | BMW X5 | $3,068 | $256 |
| 31 | Audi Q8 | $3,082 | $257 |
| 32 | Land Rover Discovery | $3,100 | $258 |
| 33 | Mercedes-Benz AMG GLE53 | $3,120 | $260 |
| 34 | Audi SQ7 | $3,224 | $269 |
| 35 | BMW iX | $3,272 | $273 |
| 36 | BMW X6 | $3,350 | $279 |
| 37 | Land Rover Range Rover Sport | $3,492 | $291 |
| 38 | Audi RS 6 | $3,564 | $297 |
| 39 | Porsche Cayenne | $3,594 | $300 |
| 40 | BMW XM | $3,938 | $328 |
| 41 | Mercedes-Benz AMG GLE63 | $4,046 | $337 |
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 October 24, 2025
Coming in last out of the 41 vehicles in the midsize luxury SUV segment is the Mercedes-Benz AMG GLE63, costing an average of $4,046 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 $1,804 per year, or around $150 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 $2,690 per year. Drivers can expect to pay around $1,345 for a 6-month policy term or around $224 each month.
In second place, the Volvo XC90 costs $2,814 per year, and third place goes to the Lexus LX 600 at $3,012 annually.
The table below ranks all 2024 model year full-size SUVs for insurance affordability, showing both an annual and monthly rate.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Infiniti QX80 | $2,690 | $224 |
| 2 | Volvo XC90 | $2,814 | $235 |
| 3 | Lexus LX 600 | $3,012 | $251 |
| 4 | BMW X7 | $3,066 | $256 |
| 5 | Lincoln Navigator | $3,076 | $256 |
| 6 | Mercedes-Benz GLS450 | $3,224 | $269 |
| 7 | Cadillac Escalade | $3,334 | $278 |
| 8 | BMW Alpina XB7 | $3,914 | $326 |
| 9 | Mercedes-Benz EQS 580 SUV | $4,302 | $359 |
| 10 | Land Rover Range Rover | $4,342 | $362 |
| 11 | Mercedes-Benz Maybach GLS 600 | $4,602 | $384 |
| 12 | Mercedes-Benz G550 | $4,770 | $398 |
| 13 | Mercedes-Benz G63 AMG | $5,158 | $430 |
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 October 24, 2025
The most expensive large luxury SUV to insure is the Mercedes-Benz G63 AMG, costing $5,158 per year. It will cost around $2,468 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 $2,603 per year. Midsize luxury SUVs have an average insurance cost of $2,850 per year. And finally, large luxury SUVs have an average insurance cost of $3,716 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 $2,006 per year. For midsize luxury SUVs, the cheapest insurance rates are on the Jaguar E-Pace, costing $2,242 per year. And finally, the cheapest large luxury SUV to insure is the Infiniti QX80, costing $2,690 per year.
How much is luxury SUV insurance per month?
The average monthly car insurance cost for small luxury SUVs is $217. Midsize luxury SUVs have an average monthly insurance rate of $238. Large luxury SUVs have an average monthly insurance cost of $310.