Cheapest SUVs to insure

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

John Evans
Jun 30, 2018

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.

However, they are more expensive than regular hatchbacks, which means it’s even more important to save money buying and owning them. In addition, to fuel and maintenance, not to mention depreciation, one major expense associated with running an SUV is insuring it.

Below, we’ve sifted through much of the SUV market to bring you the cheapest to insure. 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.

We discovered a few things along the way. Because it may lack some of the safety kit found in more expensive versions, the cheapest model in a range isn’t always in the lowest insurance group. 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.

A vehicle’s value doesn't always have a direct bearing on the insurance charged – the point is, you could aim for that more expensive version and pay no more to insure it.

 

Cheapest SUVs to insure

SsangYong Tivoli 1.6 SE

Best cheap compact SUV to insure for a long warranty

Insurance group 16 (full SsangYong Tivoli range: groups 13-17)
Typical insurance premiums M25 £548; M40 £359

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.

Nissan Juke 1.6 Visia

Best cheap compact SUV to insure for standing out

Insurance group 8 (full Nissan Juke range: groups 8-23)
Typical insurance premiums M25 £509; M40 £350

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.

 

Renault Captur Play TCe 90 5dr

Best cheap compact SUV to insure for a large boot

Insurance group 8 (full Renault Captur range: groups 8-15)
Typical insurance premiums M25 £673; M40 £387

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.

 

Suzuki Vitara 1.6 SZ4

Best cheap family SUV to insure for driving pleasure

Insurance group 12 (full Suzuki Vitara range: groups 12-21)
Typical insurance premiums M25 £548; M40 £334

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.

 

Seat Ateca 1.0 TSI S

Best cheap family SUV to insure for all-round competence

Insurance group 8 (full Seat Ateca range: groups 8-23)
Typical insurance premiums M25 £548; M40 £329

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.

 

Kia Sportage 1.6 GDi 1

Best cheap family SUV to insure for a long warranty

Insurance group 12 (full Kia Sportage range: groups 12-25)
Typical insurance premiums M25 £548; M40 £395

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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