SUV vs Sedan: The Total Cost of Ownership Breakdown for 2026

The average SUV costs $8,200 more than a comparable sedan over 5 years of ownership in 2026, once you factor in the higher sticker price, worse fuel economy (3-6 mpg), and modestly higher insurance premiums. Sedans deliver better handling dynamics, lower operating costs, and easier parking in urban environments. SUVs justify their premium for buyers who genuinely use the cargo space, ground clearance, or AWD capability at least weekly — for the majority who don't, the sedan wins on total value.