The 10 Most Expensive SUVs to Insure share several key characteristics with other high-cost vehicles. To begin with, these SUVs often boast premium materials and cutting-edge technology.
When these elements sustain damage, the cost of repairs or replacements can be significant.
Additionally, many of these SUVs offer performance levels comparable to sports cars, which insurers associate with a higher likelihood of enthusiast-driven claims.
It stands to reason that drivers who crave speed today may find themselves needing a tow truck tomorrow.
Another factor contributing to high insurance rates is limited sales volume. When an SUV is rare, its parts are also harder to find, which drives up the cost of individual components.
To ensure a diverse selection, we referred to data and selected the Most Expensive SUVs to Insure from 10 different brands.
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1. Bentley Bentayga
The most expensive SUVs to insure come from elite automakers that previously focused solely on luxury cars.
Bentley, for instance, spent nearly a century crafting high-end automobiles before venturing into the SUV market.
Today, the Bentley Bentayga particularly in its top-tier Mulliner trim remains one of the most lavish SUVs ever created.
Equipped with a 12-cylinder engine, the Bentayga also features extravagant touches such as lambswool rugs, a jeweled fuel-filler cap, and genuine crystal champagne glasses, which pair perfectly with its built-in bottle cooler.
Bentley cautions potential buyers that “due to the highly complex, handcrafted nature of the luxurious interior features,” only a select number of Mulliner models will be produced. Each carries a starting MSRP exceeding $235,000.
2. Mercedes-Benz G Class
Not all of the most expensive SUVs to insure are purely luxury-focused. Take the Mercedes-Benz G Class, for example.
While it certainly offers high-end features such as carbon-fiber trim, Nappa leather upholstery, and an available handbuilt biturbo V12 engine for the high-performance AMG variant, it also delivers cutting-edge technology, including a Harman Kardon audio system and mobile Wi-Fi.
However, what truly sets this model apart is the G550 4X42. Without compromising on luxury, this rugged body-on-frame SUV is engineered to tackle extreme off-road terrain.
Mercedes enhances its capabilities by outfitting the G550 4X42 with robust and costly portal axles, which provide an impressive 17 inches of ground clearance. As for the price of this formidable machine? The MSRP is set at $227,300.
3. Land Rover Range Rover
In addition to Bentley, another iconic British brand earns a spot on the list of the most expensive SUVs to insure Land Rover.
The Land Rover Range Rover SVAutobiography long-wheelbase models start at $208,200 and seamlessly blend luxury with off-road capability.
As the flagship of the Range Rover lineup, it offers exceptional features, including available 24-way power-adjustable heated-and-cooled massage-function seats. These ensure maximum comfort while the SUV navigates water depths of up to 35.4 inches.
When it comes to technology, the Range Rover pushes boundaries. The gesture-control sunblind allows occupants to open or close the panoramic roof with a simple wave of the hand.
However, repairing the SUV’s lightweight aluminum architecture is far from simple, further driving up insurance costs.
4. Tesla Model X
The most expensive SUVs to insure also tend to be among the most technologically advanced.
The Tesla Model X is a prime example, boasting standard features such as a massive 17-inch touchscreen, intricate “Falcon Wing” rear doors, and a highly sophisticated all-electric powertrain.
This electric system delivers an impressive driving range of up to 295 miles on a single charge.
For those who crave speed, the high-performance P100D model priced at an MSRP of $128,300 can accelerate from 0 to 60 mph in under three seconds.
Additionally, the Model X is equipped with some of the most advanced driver-assistance technologies in the industry.
Drivers can step out of the vehicle and let it park itself or summon it to “un-park” and come to them. Further contributing to its high insurance costs are its luxury features, including an expansive panoramic glass windshield, which is costly to replace.
5. Porsche Cayenne
Looking ahead, the Porsche Cayenne Turbo is expected to rank among the most expensive SUVs to insure this year.
Set to launch in the fall, this completely redesigned model comes with an MSRP of $124,600. However, what truly excites driving enthusiasts is that it will be even quicker and more powerful than its predecessor.
Much of that performance boost comes from a new 4.0-liter twin-turbo V8 engine, which generates 550 horsepower and 567 pound-feet of torque.
With this setup, the Cayenne Turbo boasts a top track speed of 177 mph and can sprint from 0 to 60 mph in just 3.7 seconds.
Despite its high-speed capabilities, the Cayenne remains a formidable off-road performer, aided by a new air suspension system that allows drivers to adjust the ride height to six different settings.
6. BMW X6
BMW takes a unique approach in our lineup of the most expensive SUVs to insure. Unlike many competitors, the BMW X6 (starting at an MSRP of $105,100) features a sleek, coupe-like silhouette.
In fact, BMW refers to the X6 as a “Sports Activity Coupe” rather than a traditional sport-utility vehicle. However, owners will recognize it as a stylish, fun-to-drive machine that seamlessly blends luxury and versatility.
For those seeking the highest level of performance along with steep insurance rates the X6 M is the ultimate choice.
This high-powered variant, fine-tuned by BMW’s in-house performance engineering team, boasts a 567-horsepower twin-turbo V8, enabling 0-60 mph acceleration in just 4.1 seconds.
Inside, the cabin is wrapped in premium Merino leather and offers a selection of refined trim options, including oak, aluminum, and carbon fiber.
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7. Volvo XC90
The Volvo XC90 earns its place among the most expensive SUVs to insure. Originally introduced in 2016, the XC90 was named North American Truck of the Year, and the latest model continues to uphold its reputation for excellence.
For the most elevated ownership experience, the top-tier Excellence trim is the way to go.Starting at $104,900, the XC90 Excellence is a relative bargain in this category.
While it costs less than half the price of a Bentley Bentayga, it still delivers ultra-luxurious features including not only Bentley-style crystal champagne glasses but also a crystal gear-shift lever.
This pairs with the XC90’s advanced supercharged, turbocharged plug-in hybrid powertrain, which produces 400 horsepower.
Additionally, it offers 19 miles of all-electric driving and a total range of 360 miles, achieving a combined fuel efficiency of 27 mpg.
8. Cadillac Escalade
Among American brands, the Cadillac Escalade stands at the forefront of the most expensive SUVs to insure.
While it carries a reputation for classic luxury, the latest Escalade is packed with cutting-edge technology including Cadillac’s latest innovation.
The “Rear-Camera Mirror” utilizes a rear-facing camera to deliver a live video feed directly to the rearview mirror. Since the camera is mounted outside the vehicle, it expands the driver’s field of vision by approximately 300%.
Meanwhile, the four-wheel-drive Platinum trim priced at an MSRP of $98,090 elevates luxury with premium leather upholstery and exotic wood accents throughout the cabin.
Yet, beneath its upscale interior, the Escalade remains a true SUV, equipped with a powerful 6.2-liter V8 engine producing 420 horsepower and capable of towing more than four tons.
9. Lincoln Navigator
For those seeking both luxury and serious capability, the Lincoln Navigator is a must-see.
While it ranks among the most expensive SUVs to insure, it also outperforms the Cadillac Escalade when it comes to towing capacity.
Specifically, the Navigator boasts a maximum trailer rating of 8,700 pounds 400 pounds more than its Cadillac rival.Luxury is another key strength of the Navigator, particularly in its Black Label trim.
Priced from $96,905 in the all-wheel-drive, extended-length version, this model offers three carefully curated interior themes, each featuring hand-wrapped leather surfaces and elegantly crafted real-wood trims.
The front-row seats, designed for ultimate comfort, provide an unparalleled experience with 30-way power adjustability, along with heating, ventilation, and a built-in massage function.
10. Lamborghini Urus
No list of the most expensive SUVs to insure would be complete without the Lamborghini Urus. Set to hit the market later this year, the Urus may not have the same exotic styling as Lamborghini’s supercars, but it certainly matches their speed.
According to the automaker, the Urus can sprint from 0 to 60 mph in under 3.6 seconds. Even more impressively, it boasts a top speed exceeding 190 mph more than three times that benchmark.
Powering this high-performance SUV is a 650-horsepower twin-turbo V8, while standard carbon-ceramic brakes help keep all that power in check.
With a price tag expected to exceed $200,000, it comes as no surprise that insurance premiums for the Urus will be equally steep.