Cheapest SUVs to insure
The cheapest SUVs to insure share a clear profile: low theft, low repair cost and low injury claims. On our data the Buick Rendezvous is cheapest — about $938/yr at the US average, roughly 35% below a typical car. Every figure below is the state-average premium × each car's real HLDI insurance-loss index — use the calculator for your state.
CHEAPEST
Rendezvous
cheapest ($938/yr)
PER YEAR
$938
cheapest est. premium
GROUP AVG
$1,395
average for these SUVs
RANKED
121
SUVs with real data
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Cheapest SUVs to insure — full ranking
Estimated annual premium at the US average, cheapest first — real HLDI insurance-loss index. Click a model for its full page.
FIG.01
| # | Vehicle | Est. premium | vs average | Verdict |
|---|---|---|---|---|
| 1 | Buick Rendezvous | $938/yr | 65% of avg | Cheap |
| 2 | Subaru Forester | $946/yr | 66% of avg | Cheap |
| 3 | GMC Acadia | $958/yr | 67% of avg | Cheap |
| 4 | Subaru Ascent | $989/yr | 69% of avg | Cheap |
| 5 | Ford Freestyle | $1,002/yr | 70% of avg | Cheap |
| 6 | Nissan Xterra | $1,018/yr | 71% of avg | Cheap |
| 7 | Honda Pilot | $1,020/yr | 71% of avg | Cheap |
| 8 | Ford Taurus X | $1,021/yr | 71% of avg | Cheap |
| 9 | Fiat 500X | $1,054/yr | 73% of avg | Cheap |
| 10 | Toyota FJ Cruiser | $1,064/yr | 74% of avg | Cheap |
| 11 | Mazda CX-50 | $1,067/yr | 74% of avg | Cheap |
| 12 | Toyota 4-Runner | $1,080/yr | 75% of avg | Cheap |
| 13 | Honda Passport | $1,099/yr | 76% of avg | Cheap |
| 14 | GMC Yukon | $1,104/yr | 77% of avg | Cheap |
| 15 | Volkswagen Atlas | $1,106/yr | 77% of avg | Cheap |
| 16 | Ford Bronco | $1,113/yr | 77% of avg | Cheap |
| 17 | GMC Envoy | $1,136/yr | 79% of avg | Cheap |
| 18 | Subaru B9 Tribeca | $1,140/yr | 79% of avg | Cheap |
| 19 | Volkswagen Tiguan | $1,149/yr | 80% of avg | Cheap |
| 20 | Subaru Solterra | $1,159/yr | 81% of avg | Cheap |
| 21 | Honda CR-V | $1,168/yr | 81% of avg | Cheap |
| 22 | Volkswagen Taos | $1,169/yr | 81% of avg | Cheap |
| 23 | Isuzu Ascender | $1,179/yr | 82% of avg | Cheap |
| 24 | Mazda CX-5 | $1,185/yr | 82% of avg | Cheap |
| 25 | Toyota RAV4 | $1,209/yr | 84% of avg | Cheap |
| 26 | Ford Expedition | $1,211/yr | 84% of avg | Cheap |
| 27 | Chevrolet Tahoe | $1,212/yr | 84% of avg | Cheap |
| 28 | Hyundai Veracruz | $1,215/yr | 85% of avg | Cheap |
| 29 | Jeep Cherokee | $1,218/yr | 85% of avg | Cheap |
| 30 | Chevrolet Equinox | $1,222/yr | 85% of avg | Cheap |
ROWS 30·SOURCE HLDI × NAIC
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Top 15 cheapest SUVs to insure
Estimated annual premium at the US average — the cheapest SUVs to insure.
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What makes a SUV cheap to insure
Insurers price a car on how much it costs them — exactly what the HLDI loss index measures. The big factors:
Repair costCheap, common parts and simple builds keep collision claims low.
Theft rateRarely-stolen models keep comprehensive premiums down.
Power & speedModest engines mean fewer and less-severe crashes.
SafetyStrong crash ratings and driver-assist cut injury claims.
Who drives itFamily-oriented SUVs are driven more carefully; sporty ones aren't.
ValueA pricier car costs more to replace, raising collision and comprehensive.
Check any car in your state
This ranking uses the US average. Pick a specific car and state below for its estimated annual premium — same real HLDI loss data.
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Cheapest SUVs to Insure — FAQ
What is the cheapest SUV to insure?
The Buick Rendezvous is the cheapest SUV to insure in our data — about $938/yr at the US average, roughly 35% below a typical car.
How is this ranking calculated?
We rank SUVs by their real HLDI insurance-loss index (how much each costs insurers versus an average car, 100 = average) and estimate the premium as the US-average premium × that index. It's an estimate for a typical driver, full coverage — not a quote.
Are SUVs cheaper to insure than other cars?
The SUVs on this list run well below the average car; SUVs with low theft, repair and injury losses are among the cheapest vehicles to insure overall.
Does the state I live in change this?
Yes — these figures use the US average. Your state can move the premium up or down by 30%+ . Use the calculator or see cost by state.
Ranking computed by ForCar from HLDI/IIHS insurance-loss indices (relative losses versus an average car, 100 = average) combined with NAIC US average premium (2023). Estimates assume a typical driver, full coverage; your quote varies with state, age, record and coverage. For research and comparison, not a quote. Reviewed by Denis Kataev, founder of ForCar.
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