Cheapest SUVs to insure

Go big without boosting the cost of insurance with the cheapest SUVs to insure

Simon Ostler John Evans
Dec 11, 2019

We're all looking to save money where we can, and the cost of running a car is one place where it is possible to make to substantial savings if you know where to look.

Whether it's the price of the car itself, or the size of your monthly payments during your PCP finance deal, or the amount of money you spend keeping the thing on the road, the possibilities to reduce those costs are numerous. If money was the only variable you cared about you'd go for something like a used Vauxhall Corsa, which is cheap to acquire in the first instance, but then also cheap to run in terms of insurance, tax and fuel.

However, no matter how cheap they are, we can't all get by with just a Vauxhall Corsa on the driveway. Some of us have a need for something bigger, and that's where the SUV comes in. With their high driving position that gives a good view of the road, practical interiors and surprisingly easy driving manners, SUVs are popular and growing in number.

The trouble is, while you can still pick up a decent used deal, SUVs are more expensive than regular hatchbacks, both in terms of their initial price and running costs. But there are some models out there that offer a more affordable proposition.

To save you the trouble, we’ve sifted through the SUV market to find the models with the cheapest insurance. We’ve sourced quotes for two representative drivers per vehicle: a 25-year old and a 40-year old. Both live in Surrey and have clean licences - costs will of course vary if you don't quite fit into those brackets.

 

First off, it's important to note that the cheapest car will not necessarily be the cheapest to insure. Because it may lack some of the safety kit found in more expensive versions, it won't always sit in the lowest insurance group, so sometimes looking into costs of a more expensive model can mean cheaper insurance. That said, a car’s insurance group (there are 50 in total) isn't a definitive guide to how expensive a car is likely to be to insure since insurers take many more factors into account.

But enough talk, let's get going with some of the cheapest SUVs to insure. These are all available on BuyaCar too, so be sure to check out our excellent value finance deals if you want to save on more than just your insurance.

Cheapest SUVs to insure

1. SsangYong Tivoli

Best cheap compact SUV to insure for a long warranty

Our pick SsangYong Tivoli 1.6 SE
Insurance group 16 (full SsangYong Tivoli range: groups 13-17)
Typical insurance premiums M25 £548; M40 £359 per year
Used SsangYong Tivoli deals from £7,995
Monthly finance from £134

You may not be familiar with SsangYong but it’s been around for some years specialising in large, tough and no-nonsense SUVs and people carriers. The Tivoli is its first foray into the compact SUV market and it’s pretty impressive.

The car rides and handles well, and the interior and boot are among the roomiest and largest in the class. Unfortunately, the petrol engine that powers this cheapest version lacks the oomph of smaller, turbocharged rivals. It’s not especially economical, either. The Tivoli claws back ground with a five-year warranty – two years longer than most rivals offer.

The Tivoli is another example of the most basic version sitting in a higher insurance group than its more expensive but better equipped sibling. For example, EX, the next trim in the range, costs £15,545 but because it brings autonomous emergency braking and forward collision warning, sits three insurance groups lower in group 13, making it £423 to insure.

2. Nissan Juke

Best cheap compact SUV to insure for standing out

Our pick Nissan Juke 1.6 Visia
Insurance group 8 (full Nissan Juke range: groups 8-23)
Typical insurance premiums M25 £509; M40 £350 per year
Used Nissan Juke deals from £6,300
Monthly finance from £107

The Juke kickstarted today’s compact SUV market but like all pioneers it’s losing ground to newcomers. It’s chief problems are a lack of space and poor practicality, a result of the car’s sporty styling. If you can live with these shortcomings, though, the Juke still makes a reasonable buy.

This being the cheapest version, you’ll have to make do with a large and rather lacklustre petrol engine. Given the car’s highish price, Visia trim isn’t badly equipped. There’s air con, alloy wheels, electric windows all-round and some decent safety kit.

Despite its higher price, it costs a 25-year old the same to insure as the Dacia Duster, and a 40-year old even less.

3. Renault Captur

Best cheap compact SUV to insure for a large boot

Our pick Renault Captur TCe 90 5dr Play
Insurance group 8 (full Renault Captur range: groups 8-15)
Typical insurance premiums M25 £673; M40 £387 per year
Used Renault Captur deals from £6,599
Monthly finance from £119

The Captur is based on the Renault Clio but its larger, taller shape gives it a more rugged look. Crucially, it’s roomier than the Clio, too, while the boot is a generous 455 litres, making it one of the biggest you’ll find in a compact SUV. The petrol turbo engine is economical but not exactly quick.

It may be the lowest spec but our featured Play trim has air con and alloy wheels. Not only these, but the roof is a contrasting colour to the body. The sting in the tail is a high insurance premium, at least for our 25-year-old driver.

4. Suzuki Vitara

Best cheap family SUV to insure for driving pleasure

Our pick Suzuki Vitara 1.6 SZ4
Insurance group 12 (full Suzuki Vitara range: groups 12-21)
Typical insurance premiums M25 £548; M40 £334 per year
Used Suzuki Vitara deals from £7,995
Monthly finance from £121

The Suzuki Vitara is among the cheapest family-sized SUVs. That said, the cheapest version featured here is still a whopping £6,000 more expensive than the Dacia Duster.

Fortunately, your money buys a more sophisticated and better-equipped vehicle, that’s also lighter on fuel. And while it may be more expensive than the Duster, the Vitara is actually cheaper to insure.

The Vitara is not the most stylish-looking family SUV and it’s boot is on the small side but it is tough and good to drive. There are four-wheel-drive versions to choose from, too.

5. Seat Ateca

Best cheap family SUV to insure for all-round competence

Our pick Seat Ateca 1.0 TSI S
Insurance group 8 (full Seat Ateca range: groups 8-23)
Typical insurance premiums M25 £548; M40 £329 per year
Used Seat Ateca deals from £10,499
Monthly finance from £129

The Ateca is a thoroughly modern, family-sized SUV that’s roomy, good to drive and cheap to run. All this quality comes at a highish price, although it still manages to undercut established players including the Nissan Qashqai and Renault Kadjar. Not only that but its insurance rating begins at a low group eight, where similar rivals are well into double figures.

And although it may be the lowest specification, our featured S trim does at least have air-con, alloy wheels, a touchscreen and an electric parking brake that’s perfect for hill starts.

6. Kia Sportage

Best cheap family SUV to insure for a long warranty

Our pick Kia Sportage 1.6 GDi 1
Insurance group 12 (full Kia Sportage range: groups 12-25)
Typical insurance premiums M25 £548; M40 £395 per year
Used Kia Sportage deals from £8,790
Monthly finance from £125

The Sportage is the car that made the world wake up to Kia. Now in its fourth generation, it’s a thoroughly well developed, stylish and practical family-sized SUV. All this and, of course, it comes with Kia’s unbeatable seven-year warranty.
Our featured 1 trim (Kia’s trim names are nothing if not straightforward) brings lots of kit to the party including air con, alloy wheels, a digital radio and fog lights. It’s all reflected in the price.

With economy in the mid-40s at best, the Sportage’s petrol engine is beginning to look uncompetitive. On the other hand, it’s interesting to note that while the car’s insurance group rating begins at 12, our featured model is no more expensive to insure than the cheaper Vitara and Ateca, at least for a 25-year old.

 

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