10 Cheapest SUVs to Insure in 2026
SUVs account for over 55% of new vehicle sales in the U.S. in 2026. But insurance costs vary dramatically depending on which SUV you choose. Here are the 10 cheapest SUVs to insure.
1. Honda HR-V — ,511/year The Honda HR-V ties for the cheapest vehicle to insure overall. Its excellent safety ratings, low theft risk, and affordable repair costs make it a top pick.
2. Subaru Forester — ,613/year One of the cheapest SUVs to insure in the US. Standard AWD, excellent safety ratings, and very low theft rates contribute to very affordable premiums.
3. Honda Pilot — ,626/year Family SUV with excellent safety and low insurance costs. Honda reliability keeps repair costs down.
4. Toyota Sienna — ,900/year Hybrid minivan with excellent safety. Minivans are among the cheapest vehicles to insure.
5. Honda Odyssey — ,589/year The cheapest minivan to insure. Family-oriented design with standard safety features.
6. Volkswagen Tiguan — ,979/year German engineering with good safety ratings. Affordable for a compact SUV.
7. Hyundai Venue — ,999/year Affordable subcompact SUV with good safety features.
8. Subaru Crosstrek — ,064/year Subcompact SUV with standard AWD and low theft risk.
9. Toyota Corolla Cross — ,066/year Affordable compact SUV with Toyota reliability.
10. Kia Seltos — ,094/year Subcompact SUV with good safety ratings and low theft risk.
Why These SUVs Are Cheap to Insure
- Excellent safety ratings — Most have 5-star NHTSA or IIHS TSP+ ratings
- Low theft risk — Standard engine immobilizers on all models
- Affordable repair costs — Widely available parts and service networks
- Reliability — Fewer claims = lower premiums for all owners
How to Save Even More
1. Bundle with home insurance for 10-25% off 2. Choose a higher deductible (,000 instead of ) 3. Maintain a clean driving record 4. Ask about telematics programs for usage-based discounts 5. Compare quotes from at least 3 insurers
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