A: There could be several factors here influencing why your new quote is higher than your former cheap quote, but there are also many reasons as to why SUVs are more expensive to insure, and most have to do with safety. I know what you’re thinking–but SUVs are safe. Good crash test ratings, excellent protection for passengers, and so on. But the truth is much more complicated.

SUVs are often safe–for you, the driver, and for your passengers. Because of their large and thick exterior, you have more to worry about than someone in a smaller car. However, if you get into an accident with someone in a smaller car, they have a lot to worry about. One of the main reasons why you can’t get a cheap  SR22 with an SUV is because of the position of the bumper, which is so high that instead of contacting the side or bumper of a car in a crash, it tears through a higher area, often making it easier to break through the vehicle’s exterior and injure passengers.

Another thing you should think about is the balance of SUVs, which make it easier for them to rollover. Some new cars have things such as stability control and rollover sensors to combat this.