Mark Huggins, of AA Personal Loans, said: Britons are putting practicality and cost first, although Londoners appear to be bucking the trend.
The findings of the study are surprising given the attempts to reduce the number of high-polluting vehicles on London's roads.
Opponents to urban 4x4s believe the vehicles have a negative impact both environmentally and socially.
Campaign group Alliance Against Urban 4x4s claimed the most popular school-run gas-guzzlers are the most dangerous to pedestrians.