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Most Expensive SUVs to Insure

The most expensive SUVs to insure, ranked from real HLDI insurance-loss data — the Dodge Durango is priciest at about $4,305/yr. 121 SUVs ranked, not a quote form.

By ForCar Research · Loss data HLDI · Premiums NAIC
Most expensive SUVs to insure

The most expensive SUVs to insure share a clear profile: high power, costly repairs and higher theft or injury losses. On our data the Dodge Durango is priciest — about $4,305/yr at the US average, roughly 199% above a typical car. Every figure below is the state-average premium × each car's real HLDI insurance-loss index — use the calculator for your state.

PRICIEST
Durango
priciest ($4,305/yr)
PER YEAR
$4,305
priciest est. premium
GROUP AVG
$1,395
average for these SUVs
RANKED
121
SUVs with real data
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Most expensive SUVs to insure — full ranking

Estimated annual premium at the US average, priciest first — real HLDI insurance-loss index. Click a model for its full page.

FIG.01
#VehicleEst. premiumvs averageVerdict
1Dodge Durango$4,305/yr299% of avgPricey
2Mitsubishi Outlander Sport$2,309/yr161% of avgPricey
3Jeep Grand Wagoneer L$2,265/yr158% of avgPricey
4Dodge Journey$2,186/yr152% of avgPricey
5Mitsubishi Eclipse Cross$1,996/yr139% of avgPricey
6Ford Ecosport$1,957/yr136% of avgPricey
7Suzuki Grand Vitara$1,930/yr134% of avgPricey
8Suzuki Grand Vitara XL-7$1,852/yr129% of avgPricey
9Hyundai Kona N$1,810/yr126% of avgPricey
10Mitsubishi Outlander$1,734/yr121% of avgPricey
11Kia EV9$1,727/yr120% of avgPricey
12Jeep Wagoneer L$1,710/yr119% of avgPricey
13Nissan Rogue Select$1,647/yr115% of avgPricey
14Suzuki XL7$1,616/yr112% of avgPricey
15Volkswagen Touareg$1,608/yr112% of avgAverage
16Dodge Hornet$1,600/yr111% of avgAverage
17Jeep Patriot$1,589/yr111% of avgAverage
18Kia EV6$1,575/yr110% of avgAverage
19Hyundai Venue$1,557/yr108% of avgAverage
20Jeep Compass$1,549/yr108% of avgAverage
21Jeep Grand Wagoneer$1,519/yr106% of avgAverage
22Nissan Rogue Sport$1,516/yr105% of avgAverage
23Chevrolet Suburban$1,508/yr105% of avgAverage
24Jeep Commander$1,508/yr105% of avgAverage
25Jeep Wagoneer$1,500/yr104% of avgAverage
26Jeep Renegade$1,484/yr103% of avgAverage
27Hyundai Santa Fe$1,474/yr103% of avgAverage
28Kia Seltos$1,474/yr103% of avgAverage
29Hyundai Ioniq 5$1,465/yr102% of avgAverage
30Kia Niro$1,464/yr102% of avgAverage
ROWS 30·SOURCE HLDI × NAIC
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Top 15 priciest SUVs to insure

Estimated annual premium at the US average — the most expensive SUVs to insure.

FIG.02
01
Dodge Durango299% of avg$4,305
02
Mitsubishi Outlander Sport161% of avg$2,309
03
Jeep Grand Wagoneer L158% of avg$2,265
04
Dodge Journey152% of avg$2,186
05
Mitsubishi Eclipse Cross139% of avg$1,996
06
Ford Ecosport136% of avg$1,957
07
Suzuki Grand Vitara134% of avg$1,930
08
Suzuki Grand Vitara XL-7129% of avg$1,852
09
Hyundai Kona N126% of avg$1,810
10
Mitsubishi Outlander121% of avg$1,734
11
Kia EV9120% of avg$1,727
12
Jeep Wagoneer L119% of avg$1,710
13
Nissan Rogue Select115% of avg$1,647
14
Suzuki XL7112% of avg$1,616
15
Volkswagen Touareg112% of avg$1,608
TOP 15·UNIT est. $/yr (US avg)·SOURCE HLDI × NAIC
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What makes a SUV expensive to insure

Insurers price a car on how much it costs them — exactly what the HLDI loss index measures. The big factors:

Repair costExpensive parts, aluminium bodies and complex tech make repairs costly.
Theft rateFrequently-stolen models drive comprehensive claims up.
Power & speedHigh horsepower means more, and more severe, crashes.
SafetyCars driven fast or with weak occupant protection cost more.
Who drives itFamily-oriented SUVs are driven more carefully; sporty ones aren't.
ValueA pricier car costs more to replace, raising collision and comprehensive.

Check any car in your state

This ranking uses the US average. Pick a specific car and state below for its estimated annual premium — same real HLDI loss data.

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Most Expensive SUVs to Insure — FAQ

What is the most expensive SUV to insure?
The Dodge Durango is the most expensive SUV to insure in our data — about $4,305/yr at the US average, roughly 199% above a typical car.
How is this ranking calculated?
We rank SUVs by their real HLDI insurance-loss index (how much each costs insurers versus an average car, 100 = average) and estimate the premium as the US-average premium × that index. It's an estimate for a typical driver, full coverage — not a quote.
Are SUVs cheaper to insure than other cars?
The SUVs here run above the average car — high power, repair cost and theft push their premiums up.
Does the state I live in change this?
Yes — these figures use the US average. Your state can move the premium up or down by 30%+ . Use the calculator or see cost by state.
Ranking computed by ForCar from HLDI/IIHS insurance-loss indices (relative losses versus an average car, 100 = average) combined with NAIC US average premium (2023). Estimates assume a typical driver, full coverage; your quote varies with state, age, record and coverage. For research and comparison, not a quote. Reviewed by Denis Kataev, founder of ForCar.
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