Contrary to what you might expect, not all SUVs and crossovers are subject to high insurance rates. To help you identify the cheapest SUVs to insure, we’ve taken a look at the car insurance groups of every SUV on sale, and worked out which are the cheapest to insure.
The lower the insurance group, the cheaper the premiums, which means the cars at the top of our list will offer the lowest premiums of all. And, as the cost of the car and the cost of reparing it are factored into its car insurance grouping, it’s no surprise that these are also some of the cheapest cars in the SUV class to buy as well. Sorry, but you won’t find expensive SUVs from the likes of Audi, Mercedes and Tesla in this list.
Don’t forget that insurance groups are only a guide, and aren’t a guarantee of cheap car insurance: other factors such as where you live, where the car is kept, your driving record, and how you intend to use the car will also be used by your insurance company to calculate your car insurance premium. As such, it’s always a good idea to get a range of car insurance quotes to find the best deal.
The Cheapest SUVs to Insure 2024
- Citroen C3 Aircross
- Fiat 500X
- Toyota Aygo X
- Dacia Sandero Stepway
- Renault Captur
- Ford EcoSport
- Jeep Renegade
- Seat Arona
- Seat Ateca
- Suzuki Ignis
- Vauxhall Crossland
- Volkswagen T-Cross
Citroen C3 Aircross
Insurance: From group 6
The C3 Aircross is one of those cars that gets better the more you spend. That’s why we rate the top-spec model, with its cushy memory foam seats that help to make it more cosseting than any other SUV of its size. The C3 Aircross is decent enough to drive, but its funky styling and smart interior mean it stands out among its peers.
Citroen C3 Aircross Review
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Fiat 500X
Insurance: From group 6
Tying with the C3 Aircross for the lowest insurance group in this list is the Fiat 500X – an attempt to take the big-selling styling and character of the Fiat 500 and apply them to a compact SUV. The result is a mixed bag of looks, both inside and out, but the 500X feels lumpy over bumps and not all that exciting to drive. Its biggest saving grace, of course, is its super-cheap insurance cost.
Fiat 500X Review
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Toyota Aygo X
Insurance: From group 6
It may not be an SUV in the same sense as the bigger Toyota RAV4, but the city-car-sized Aygo X has enough SUV-esque styling cues to convince as a minature crossover. Not only does it have a low insurance group, but other running costs are also very affordable, and it also comes with a new-car warranty that could last up to ten years. It’s brimming with attitude and it’s stuffed with standard equipment for such a small car: even the entry-level versions get a touchscreen infotainment system.
Toyota Aygo X Review
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Dacia Sandero Stepway
Insurance: From group 7
Another car where you could argue whether or not it’s a ‘proper’ SUV, but like the Toyota Aygo X we just discussed, we reckon that the Sandero Stepway - a jacked-up, chunky-bumpered version of the regular Sandero hatchback - has just enough ruggedness to convince. Purchase prices have rocketed in the past couple of years, but it’s still an affordable option in this company, and when specified with a CVT gearbox and Comfort or Prestige trims, it qualifies for a low group 7 insurance classification.
Dacia Sandero Stepway Review
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Renault Captur
Insurance: From group 7
Based on the Clio supermini, this popular compact SUV continues to win fans thanks to its comfortable ride quality, its smart interior, and its efficient hybrid powertrain options (though there’s always the ‘TCE’ petrol engine if a hybrid doesn’t take your fancy). But the real draw of the Captur is its versatile cabin, with a big boot behind its hatchback and sliding rear seats that make the most of the space, making this the best family car in this list.
Renault Captur Review
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Ford EcoSport
Insurance: From group 8
While the Puma steals the limelight with its smart looks and sports car-like handling, Ford’s entry-level SUV soldiers on as a budget alternative. The Ecosport is a cheap car and somewhat joyless, which is why it’s largely bettered by rivals from Skoda and Nissan to name just two, but it does have cheap insurance on its side.
Ford EcoSport Review
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Jeep Renegade
Insurance: From group 8
With styling designed to make it look like a smaller version of its big brother, the Jeep Wrangler, the Renegade is an appealing choice, and its low insurance costs should have an agreeable effect on your annual premiums. Just keep in mind that there are smoother and more practical small SUVs out there, and many are cheaper to buy, too.
Jeep Renegade Review
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Kia Stonic
Insurance: From group 8
Its small car origins (the Stonic sits on the same platform as the Kia Rio and the Hyundai i20) have helped to keep the Stonic’s insurance costs low, and that isn’t the only way it can save you money, because its mild hybrid powertrain returns excellent fuel economy. Granted, it’s a bit average in most other areas, but Kia’s long warranty helps to make up for that.
Kia Stonic Review
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Seat Arona
Insurance: From group 8
It might be getting on a bit, but the Arona is still a great compact SUV, with neat handling, gutsy petrol engines, and smart styling. It’s also good value, and it certainly wouldn’t have made this list if it didn’t also bring affordable insurance premiums to the party.
Seat Arona Review
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Seat Ateca
Insurance: From group 8
The Ateca is unique on this list because, while most other cars here are compact SUVs, the Ateca is a family-sized model – about the size of a Nissan Qashqai or a Mazda CX-5 – which means it’s a great choice if you need a big, roomy SUV that’s also cheap to insure. And if that weren’t reason enough to give it a second look, it’s also great to drive.
Seat Ateca Review
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Suzuki Ignis
Insurance: From group 8
The Suzuki Ignis is one of the dinkiest SUVs on the market today, and consequently, it’s a brilliant choice if you do lots of town driving and need a small SUV that’ll nip through the tiniest gaps. It’s also one of the most fuel-efficient SUVs on the market , both because it’s small and light, and due to its frugal mild hybrid powertrain. Throw in the low insurance group rating and you have a truly wallet-friendly SUV.
Suzuki Ignis Review
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Vauxhall Crossland
Insurance: From group 8
It isn’t much to write home about as far as the driving experience is concerned and you could hardly call the Crossland a looker, but write it off at your peril. It’s surprisingly practical for such a small SUV – more so than some more expensive SUVs we could mention – and especially so when you consider its compact footprint. Of course, it’s also delightfully cheap to insure.
Vauxhall Crossland Review
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Volkswagen T-Cross
Insurance: From group 8
The T-Cross, based on the Volkswagen Polo, is the more practical of Volkswagen’s two smallest SUVs, and it attracts a very low insurance group. You get a big boot, lots of space in the back seats, low running costs, and punchy little TSI petrol turbo engines, but the cheap interior plastics make it feel a little utilitarian.
Volkswagen T-Cross Review
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