Luxury SUV Insurance Rates for 2022

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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Luxury SUVs are showing a decent recovery from the Covid-related sales slump in 2020, with year-to-date sales up over 30% as of the end of the third quarter of 2021.

Following a year that had car insurance companies actually giving money back to policyholders, how do luxury SUV insurance rates compare?

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 2022 model year small luxury SUV to insure is the Acura RDX, costing $1,298 annually. For a semi-annual or 6-month policy term, expect to pay around $649. For monthly budgeters, this equates to about $108 each month.

Second and third place honors for the cheapest insurance in the small luxury SUV segment go to the Cadillac XT4, costing $1,330 per year, and the Volvo XC40 at $1,456 annually.

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

Small Luxury SUV Insurance Cost Comparison
Rank Make/Model Annual Cost Monthly Cost
1Acura RDX$1,298$108
2Cadillac XT4$1,330$111
3Volvo XC40$1,456$121
4Lexus NX 250$1,504$125
5BMW X1$1,506$126
6Lexus NX 350h$1,514$126
7Lexus UX 250h$1,516$126
8Lexus NX 350$1,542$129
9Lexus UX 200$1,548$129
10Lexus NX 450h$1,584$132
11Mercedes-Benz GLB 250$1,590$133
12Land Rover Evoque$1,600$133
13Lincoln Corsair$1,602$134
14Mercedes-Benz GLC300$1,604$134
15Volvo C40$1,618$135
16Mercedes-Benz GLA250$1,620$135
17Volvo XC60$1,626$136
18BMW X2$1,678$140
19Audi Q3$1,700$142
20Mercedes-Benz GLA35 AMG$1,704$142
21Infiniti QX55$1,714$143
22Genesis GV70$1,734$145
23Mercedes-Benz GLA45 AMG$1,754$146
24Audi Q5$1,756$146
25Audi Q4$1,776$148
26Land Rover Defender$1,786$149
27Land Rover Range Rover Velar$1,792$149
28Alfa Romeo Stelvio$1,828$152
29BMW X3$1,854$155
30Porsche Macan$1,918$160
31Jaguar I-Pace$1,958$163
32Jaguar F-Pace$2,012$168
33BMW X4$2,066$172
34Aston Martin DBX$2,750$229

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on March 8, 2022
    Small Luxury SUV Insurance Cost Comparison

    Ranked last out of the 34 vehicles in the small luxury SUV class is the Aston Martin DBX, costing an estimated $2,750 per year for auto insurance. That is $1,452 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 2022 model year midsize luxury SUV to insure is the Cadillac XT5, costing $1,488 per year. This breaks down to $744 for a 6-month policy or $124 per month. With the average midsize luxury SUV costing $1,829 per year for insurance, the Cadillac XT5 can potentially save around $341 a year.

    The other models ranked in the top five midsize luxury SUVs with the cheapest insurance cost include the Jaguar E-Pace at $1,550 per year, the Lexus RX 350 at $1,558, the Acura MDX at $1,566, and the Lincoln Nautilus at $1,580.

    The table below ranks all 36 vehicles in the midsize luxury SUV class by annual and monthly full coverage insurance cost.

    Midsize Luxury SUV Insurance Cost Comparison
    Rank Make/Model Annual Cost Monthly Cost
    1Cadillac XT5$1,488$124
    2Jaguar E-Pace$1,550$129
    3Lexus RX 350$1,558$130
    4Acura MDX$1,566$131
    5Lincoln Nautilus$1,580$132
    6Lexus RX 450h$1,596$133
    7Infiniti QX50$1,600$133
    8Lexus RX 350L$1,614$135
    9Cadillac XT6$1,626$136
    10Volvo V60$1,636$136
    11Land Rover Discovery$1,646$137
    12Land Rover Discovery Sport$1,650$138
    13Lexus RX 450hL$1,660$138
    14Volvo V90$1,676$140
    15Lincoln Aviator$1,706$142
    16Mercedes-Benz GLE450$1,728$144
    17Mercedes-Benz AMG GLB35$1,730$144
    18Lexus GX 460$1,754$146
    19Infiniti QX60$1,762$147
    20Mercedes-Benz GLE350$1,772$148
    21Genesis GV80$1,806$151
    22Mercedes-Benz AMG GLC43$1,834$153
    23Audi SQ5$1,858$155
    24BMW X5$1,922$160
    25Audi Q8$1,950$163
    26Audi Q7$1,982$165
    27Land Rover Range Rover Sport$2,004$167
    28BMW iX$2,018$168
    29Tesla Model X$2,048$171
    30Audi SQ7$2,108$176
    31Audi e-tron$2,128$177
    32Mercedes-Benz AMG GLE53$2,136$178
    33BMW X6$2,184$182
    34Mercedes-Benz AMG GLE63$2,278$190
    35Porsche Cayenne$2,298$192
    36Audi RS 6$2,374$198

      Get Rates in Your AreaWhy is this important?

      Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on March 13, 2022
      Midsize Luxury SUV Insurance Cost Comparison

      Coming in last out of the 36 vehicles in the midsize luxury SUV segment is the Audi RS 6, costing an average of $2,374 annually to insure.

      The difference between the cheapest insurance on the Cadillac XT5 and the most expensive for the Audi RS 6 is $886 per year, or around $74 per month.

      Which large luxury SUV is cheapest to insure?

      The 2022 large luxury SUV with the cheapest insurance rates overall is the Volvo XC90, costing an average of $1,638 per year. Drivers can expect to pay around $819 for a 6-month policy term or around $137 each month.

      In second place, the Lincoln Navigator costs $1,934 per year, and third place goes to the Infiniti QX80 at $1,966 annually.

      The table below ranks all 2022 model year full-size SUVs for insurance affordability, showing both an annual and monthly rate.

      Large Luxury SUV Insurance Cost Comparison
      Rank Make/Model Annual Cost Monthly Cost
      1Volvo XC90$1,638$137
      2Lincoln Navigator$1,934$161
      3Infiniti QX80$1,966$164
      4BMW X7$1,984$165
      5Mercedes-Benz GLS450$2,020$168
      6Cadillac Escalade$2,050$171
      7Lexus LX 570$2,148$179
      8BMW Alpina XB7$2,548$212
      9Land Rover Range Rover$2,618$218
      10Mercedes-Benz G550$2,654$221
      11Mercedes-Benz G63 AMG$2,866$239
      12Mercedes-Benz Maybach GLS 600$2,992$249

        Get Rates in Your AreaWhy is this important?

        Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on April 12, 2022
        Large Luxury SUV Insurance Cost Comparison

        The most expensive large luxury SUV to insure is the Mercedes-Benz Maybach GLS 600, costing $2,992 per year. It will cost around $1,354 more to insure a Mercedes-Benz Maybach GLS 600 each year compared to the cheapest large luxury SUV to insure, the Volvo XC90.

        How much does luxury SUV insurance cost?

        For small luxury SUVs, the average insurance rate is $1,701 per year. Midsize luxury SUVs have an average insurance cost of $1,829 per year. And finally, large luxury SUVs have an average insurance cost of $2,285 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 $1,298 per year. For midsize luxury SUVs, the cheapest insurance rates are on the Cadillac XT5, costing $1,488 per year. And finally, the cheapest large luxury SUV to insure is the Volvo XC90, costing $1,638 per year.

        How much is luxury SUV insurance per month?

        The average monthly car insurance cost for small luxury SUVs is $142. Midsize luxury SUVs have an average monthly insurance rate of $152. Large luxury SUVs have an average monthly insurance cost of $190.