Why are the four whellers so expensive?

Hello dear offroad friends, I would love to buy a 4 wheeler even if it was only a 4.0 V6 jeep (as an example ), but why are they so expensive in the insurance? Tax doesn’t matter, because there are also some where trucks have a tax (e.g. a nice pickup or so ). But if I have to pay over 1000 € on insurance (just because apparently the big jeeps cause such a big damage in an accident), that can not be me or? I’m driving a n Chevrolet Camaro.. which is piggy cheap in maintenance, the only problem is… I never liked the depths of cars. What do you mean.. there are also cheap 4 whers that are as big as a Jeep Grand Cherokee? So no Suzuki Samurai / Vitara or similar. I missed the four wheel and that you can just drive over the meadow without sitting on the ground. We just live in the wrong time and in the wrong state. In the past that was even better. Thanks to many rTips.. ach nochwas: is the truck tax still in place? Thank you