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 $1,308 annually. For a semi-annual or 6-month policy term, expect to pay around $654. For monthly budgeters, this equates to about $109 each month.

Second and third place honors for the cheapest insurance in the small luxury SUV segment go to the Cadillac XT4, costing $1,340 per year, and the Volvo XC40 at $1,466 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$1,308$109
2Cadillac XT4$1,340$112
3Volvo XC40$1,466$122
4Lexus NX 250$1,516$126
5BMW X1$1,520$127
6Lexus NX 350h$1,528$127
7Lexus UX 250h$1,530$128
8Lexus NX 350$1,554$130
9Lexus UX 200$1,558$130
10Lexus NX 450h$1,598$133
11Mercedes-Benz GLB 250$1,602$134
12Land Rover Evoque$1,612$134
13Lincoln Corsair$1,616$135
14Mercedes-Benz GLC300$1,618$135
15Mercedes-Benz GLA250$1,630$136
16Volvo C40$1,632$136
17Volvo XC60$1,640$137
18BMW X2$1,690$141
19Audi Q3$1,712$143
20Mercedes-Benz GLA35 AMG$1,714$143
21Infiniti QX55$1,726$144
22Genesis GV70$1,746$146
23Mercedes-Benz GLA45 AMG$1,766$147
24Audi Q5$1,768$147
25Audi Q4$1,790$149
26Land Rover Defender$1,798$150
27Land Rover Range Rover Velar$1,806$151
28Alfa Romeo Stelvio$1,844$154
29BMW X3$1,868$156
30Porsche Macan$1,932$161
31Jaguar I-Pace$1,974$165
32Jaguar F-Pace$2,026$169
33BMW X4$2,082$174
34Aston Martin DBX$2,772$231

    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 June 24, 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 $2,772 per year for auto insurance. That is $1,464 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 $1,500 per year. This breaks down to $750 for a 6-month policy or $125 per month. With the average midsize luxury SUV costing $1,843 per year for insurance, the Cadillac XT5 can potentially save around $343 a year.

    The other models ranked in the top five midsize luxury SUVs with the cheapest insurance cost include the Jaguar E-Pace at $1,564 per year, the Lexus RX 350 at $1,570, the Acura MDX at $1,578, and the Lincoln Nautilus at $1,594.

    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$1,500$125
    2Jaguar E-Pace$1,564$130
    3Lexus RX 350$1,570$131
    4Acura MDX$1,578$132
    5Lincoln Nautilus$1,594$133
    6Lexus RX 450h$1,608$134
    7Infiniti QX50$1,614$135
    8Lexus RX 350L$1,628$136
    9Cadillac XT6$1,640$137
    10Volvo V60$1,648$137
    11Land Rover Discovery$1,660$138
    12Land Rover Discovery Sport$1,662$139
    13Lexus RX 450hL$1,676$140
    14Volvo V90$1,688$141
    15Lincoln Aviator$1,720$143
    16Mercedes-Benz AMG GLB35$1,740$145
    17Mercedes-Benz GLE450$1,744$145
    18Lexus GX 460$1,766$147
    19Infiniti QX60$1,774$148
    20Mercedes-Benz GLE350$1,784$149
    21Genesis GV80$1,818$152
    22Mercedes-Benz AMG GLC43$1,846$154
    23Audi SQ5$1,874$156
    24BMW X5$1,938$162
    25Audi Q8$1,966$164
    26Audi Q7$1,998$167
    27Land Rover Range Rover Sport$2,020$168
    28BMW iX$2,034$170
    29Tesla Model X$2,064$172
    30Audi SQ7$2,124$177
    31Audi e-tron$2,144$179
    32Mercedes-Benz AMG GLE53$2,150$179
    33BMW X6$2,200$183
    34Mercedes-Benz AMG GLE63$2,292$191
    35Porsche Cayenne$2,314$193
    36Audi RS 6$2,390$199

      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 June 24, 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 $2,390 annually to insure.

      The difference between the cheapest insurance on the Cadillac XT5 and the most expensive for the Audi RS 6 is $890 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 $1,650 per year. Drivers can expect to pay around $825 for a 6-month policy term or around $138 each month.

      In second place, the Lincoln Navigator costs $1,948 per year, and third place goes to the Infiniti QX80 at $1,982 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$1,650$138
      2Lincoln Navigator$1,948$162
      3Infiniti QX80$1,982$165
      4BMW X7$2,000$167
      5Mercedes-Benz GLS450$2,036$170
      6Cadillac Escalade$2,064$172
      7Lexus LX 570$2,168$181
      8BMW Alpina XB7$2,570$214
      9Land Rover Range Rover$2,638$220
      10Mercedes-Benz G550$2,676$223
      11Mercedes-Benz G63 AMG$2,890$241
      12Mercedes-Benz Maybach GLS 600$3,016$251

        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 June 24, 2022
        Large Luxury SUV Insurance Cost Comparison

        The most expensive large luxury SUV to insure is the Mercedes-Benz Maybach GLS 600, costing $3,016 per year. It will cost around $1,366 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 $1,714 per year. Midsize luxury SUVs have an average insurance cost of $1,843 per year. And finally, large luxury SUVs have an average insurance cost of $2,303 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 $1,308 per year. For midsize luxury SUVs, the cheapest insurance rates are on the Cadillac XT5, costing $1,500 per year. And finally, the cheapest large luxury SUV to insure is the Volvo XC90, costing $1,650 per year.

        How much is luxury SUV insurance per month?

        The average monthly car insurance cost for small luxury SUVs is $143. Midsize luxury SUVs have an average monthly insurance rate of $154. Large luxury SUVs have an average monthly insurance cost of $192.