June 25, 2024

Dagmar Rymasz

Market Leading Startup

Sedan Or SUV: Which Is The Right Type Of Car For You?

Sedan vs SUV: Which is best for a family car? - Drive

In the ever-expanding realm of automotive choices, choosing a sedan or an SUV has become increasingly pivotal for consumers. Beyond considerations of style and size, factors such as car insurance play a crucial role in determining the overall cost of ownership and the level of protection a vehicle affords. This article delves into the characteristics that differentiate sedans and SUVs and examines how these choices impact one’s insurance considerations. 


Sedans, characterized by their three-box design, prioritize comfort with a clear separation of passengers and luggage. Their low-to-the-ground seating, lower center of gravity, and reduced ground clearance appeal to driving enthusiasts for superior on-road handling. The sedan market has evolved, providing a wide range from compact models to ultra-luxury variants such as those from Rolls Royce.


SUVs, or sport utility vehicles, offer versatility with off-road capabilities due to their high ground clearance and four-wheel drive. Built on existing platforms, SUVs provide ample on-road space while being flexible enough to handle off-road terrains.

When comparing sedans and SUVs, several factors come into play:

  • Space: Sedans typically outshine SUVs in interior space, offering more legroom and room between rows, especially with longer wheelbases.
  • Boot Space: While SUVs might seem ideal for those requiring extensive boot space, sedans are often surprised by their substantial storage capacity, even at a lower price point.
  • Performance: The performance debate hinges on topography. With their lower centre of gravity, SUVs excel off-road, but sedans outperform on smooth roads, displaying better stability and reduced body roll.
  • Fuel Efficiency: Sedans generally have a lower drag coefficient, resulting in better fuel efficiency than SUVs, which are hindered by their increased drag coefficient and larger size.
  • Comfort: Sedans offer a smoother ride on well-maintained roads due to superior suspension, while SUVs exhibit resilience on rough terrains.
  • Safety: While SUVs are built for structural strength and perform well in collisions, sedans are adept at collision avoidance and are less prone to rollovers, making them a solid choice for safety-conscious consumers.

In the quest to determine the correct type of car – sedan or SUV – for individual needs, the intricacies of car insurance emerge as a defining factor. The decision-making process involves carefully balancing the desire for style, space, driving dynamics and the pragmatic considerations of insurance costs. As one navigates the options, the price of third-party car insurance and the comprehensive coverage offered for each vehicle type become critical evaluation points. 

Utilizing car insurance calculators becomes essential in projecting the long-term financial commitment of owning a sedan or SUV. Moreover, for those embarking on the journey with a new car, understanding the nuances of securing comprehensive car insurance adds another layer of importance to this decision. 

In essence, the choice between a sedan and an SUV extends beyond the showroom floor, shaping the ongoing financial landscape through the lens of insurance coverage. By taking a comprehensive view that encompasses both the features of the vehicle and the intricacies of car insurance for new car, consumers can confidently select the type of car that aligns seamlessly with their preferences and financial considerations.*

* Standard T&C Apply

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.