If they have the data and you don’t, why do you assume you’re in the right? Insurance isn’t interested in damage, they’re interested in liability, which is much more closely tied to personal injury than property damage. And it’d be impossible to claim SUV’s don’t help protect the individual most at risk of costing the insurance company money.

That's an interesting point, it could be they have a perverse incentive if their insured are well-protected and thus make smaller claims - but I'd think doing more damage to other vehicles would tend to cancel that out?

That might require some sort of collusion to accomplish. If only one company increases rates for SUV drivers, said drivers will just switch to a lower priced competitor.