Car insurance for sedans Sedans are among the least expensive cars to insure, with average rates cheaper than those for SUVs and luxury cars. SUVs are generally cheaper to insure than a sedan, but it depends on the size of the SUV and the sedan you compare it to. Less expensive insurance is a good reason to consider buying a sedan. Because older and more experienced drivers often have sedans, insurance rates for this class of vehicles tend to be cheaper.
The humble & Davenport Insurance explains that because sedans are often owned by drivers with families, automakers install more safety features on them. Coupes are smaller and leave less room for airbags and other important safety features that insurers consider when providing coverage. Another advantage of buying a sedan is that these vehicles tend to be less expensive. We analyzed the numbers for SUV insurance rates and found that, in many cases, a compact SUV costs less to insure than a comparable sedan.
The CLA Class Coupe is the most affordable Mercedes-Benz offered in the United States and was a surprise on the list of the most economical sedans to insure. So it's not true that all SUVs are cheaper than all sedans when it comes to getting a car policy. Many car insurance companies charge more to insure coupes because they consider coupes to be higher-risk vehicles than sedans and consider the people who own them to be higher-risk drivers. However, when it comes to cars that are more beneficial to your liability insurance premiums, cars such as luxury sedans tend to have the upper hand.
The luxurious Volvo S80 has the highest starting MSRP on the list of sedans that are least expensive to insure. When comparing general car insurance premiums between sedans and SUVs, the cheapest premiums you could find would probably be those for a utility vehicle. Perhaps, surprisingly, in many cases, an SUV is less expensive to insure than a sedan, but it often depends on the size of SUV you are looking at, as well as the sedan you compare it to. Similarly, the big difference is between vehicle types, that is, between a midsize sedan and a Crossover SUV, or a compact car and a minivan rather than between similar car brands.
You don't have to drive a European SUV to see your premiums go up, insuring a Ford Expedition, Toyota Sequoia or Infiniti QX80 will almost always cost more than a sedan. The Volkswagen Jetta is the second least expensive vehicle on the list of cheapest sedans to insure and the most economical Top Safety Pick+ in the IIHS. The Subaru Legacy is the only vehicle on the list of cheapest sedans that claims to have four-wheel drive as standard equipment.