According to real quotes from Jerry drivers, the cheapest SUV to insure is none other than the versatile yet classic Honda Pilot VP.
If you are considering buying an SUV, you are not alone. SUVs have long surpassed sedans as the most popular vehicle type on the road in America.
However, all that extra leg space can cause you to look twice at your insurance premium.
But saving on insurance doesn’t begin and end with the make and model of your car. Drivers that switch policies with Jerry save an average of $879 a year on car insurance
. The Top 10 cheapest SUVs to insure
Insurance rates for SUVs can be lower than other vehicles because they have a good protective size and less expensive features and materials. This allows the driver and passengers to be better protected, and your insurance company won't have to pay out as much money if they need to repair the vehicle.
But just because you already have a "good" insurance rate for your affordable SUV doesn’t mean you should stop searching for competitive quotes.
In fact, drivers that own the cars on this list save big on their insurance rates when they switch insurers with Jerry.
"If anyone is in the market for insurance, Jerry is awesome. They are agents that will search and find the best policy for your needs. We added another driver, and kept the same coverage and the policy they found is less than the one with just the two of us. I’d recommend them highly." - Satisfied Jerry User
The cheapest SUV to insure: Honda Pilot VP
The Honda Pilot VP
is versatile, comfortable, and classic, and opting for a well-rounded base model can help you save on your insurance costs. A pre-owned might not be the flashiest SUV on the block, but what it lacks in style makes up for in space and function.
You’ll never be wanting in the cargo category and it comfortably seats eight. Not to mention, it has great crash test scores so you get all the SUV safety for a small price tag.
The Honda Pilot is still very much alive and well, but the VP has stood the test of time.
Average annual premium before Jerry: $1776
Average annual premium after Jerry: $816
Miles per gallon: City 20/ highway 27
Car and Driver Safety Rating: n/a
List Price: $3,492-$5,475 (Used 2021)
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Ford Edge ST
The Ford Edge ST has features and practicality to boot.
If you want to enjoy high-end trim upgrades without having to pay higher insurance premiums
, the Ford Edge ST is an ideal pick. The Edge is known for its smooth ride, fun features, and its twin-turbo V-6 with 335 engine upgrade.
Opting for the high-level ST trim upgrade is a great way to enjoy added power and versatility, making it a fantastic alternative to the basic SE trim level.
Average annual premium before Jerry: $3600
Average annual premium after Jerry: $1080
Miles per gallon: City 21/ highway 26
Car and Driver Safety Rating: 6.5 (2021)
List Price: $44,345 (2021)
Jeep Grand Cherokee Summit
The SUV for haulers and adventurers.
Known for its powerful towing capacity, off-roading capabilities, and sleek design, the Grand Cherokee is a go-to for outdoor adventures.
If you are considering a Grand Cherokee, opting for the Summit over the SR-T 8
can translate to some serious savings. Average annual premium before Jerry: $1860
Average annual premium after Jerry: $1238
Miles per gallon: City 20/ highway 25
Car and Driver Safety Rating: 8 (2021)
List Price: $54,410 (2021)
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Chevrolet Blazer
The Chevrolet Blazer
can help you save on your insurance and look stylish while doing it. For those who value a sleek design combined with the practicality and functionality of an SUV, the Chevrolet Blazer is hard to beat.
It has a roomy interior and every safety feature under the sun. Not to mention, the V6 engine and the optional trailering package make it versatile enough to meet almost any SUV driver’s needs.
Between its great features and the fact that it's one of the cheapest SUVs to insure, the Chevy Blazer is a great choice for drivers wanting an affordable SUV.
Average annual premium before Jerry: $1867
Average annual premium after Jerry: $1298
Miles per gallon: City 22/ highway 29
Car and Driver Safety Rating: 6.5 (2021)
List Price: $29,995 (2021)
Hyundai Tucson GLS
A unique yet comfortable ride.
The Hyundai Tucson GLS
has earned a name for combining a smooth ride with sophisticated styling. While its compact nature will give you less anxiety trying to back into a parking space
than some of the chunkier SUVs on this list, it does leave something to be desired in the cargo department. If cargo-space isn’t a top priority, a used Tucson GLS can be a great option over pricier pre-owned models like the Ford Explorer
. Average annual premium before Jerry: $2364
Average annual premium after Jerry: $1394
Miles per gallon: City 23/ highway 28
Car and Driver Safety Rating: n/a
Estimated Price: $13,000 (Used 2021)
Hyundai Santa Fe SE
The epitome of practicality.
If you want to get a great bang for your buck with a mid-size crossover, the Hyundai Santa Fe SE
is hard to beat. It is practical, fun-to-drive, and cheap to insure. If you are in the market for a Hyundai, the base-trim Santa Fe SE is an affordable alternative to the more costly Tucson Sport.
Average annual premium before Jerry: $2109
Average annual premium after Jerry: $1602
Miles per gallon: City 21/ highway 27
Car and Driver Safety Rating: 7.5 (2021)
List Price: $28,035 (2021)
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Volkswagen Tiguan S
An agile and compact crossover.
The base model Volkswagen Tiguan S
has the fun ride and agile abilities that define the Volkswagen brand. It’s an equally practical and sporty SUV that boasts good-fuel efficiency and an impressive safety rating. What more could you really ask for?
With optional third-row seating available, the Tiguan S still offers great versatility without the hefty price-tag of the upgraded Tiguan Sport trim-level.
Average annual premium before Jerry: $2639
Average annual premium after Jerry: $1894
Miles per gallon: City 23/ highway 29
Car and Driver Safety Rating: 9.5 (2021)
List Price: $26,440 (2021)
Toyota RAV4
Compact, efficient, and cheap to insure.
The Toyota RAV4
looks like a truck and drives like a car. Its relatively strong safety rating, impressive fuel-efficiency, and roomy driving experience have made this SUV a fan-favorite for many years running.
Average annual premium before Jerry: $2799
Average annual premium after Jerry: $1937
Miles per gallon: City 29/ highway 35
Car and Driver Safety Rating: 8.5 (2021)
List Price: Starting from $27,325 (2021)
Ford Edge Sport
The Ford Edge Sport
is an upgraded trim option last-produced in 2018 and offers similar performance upgrades, features, and styling to the modern ST version. If you are looking for a sophisticated, well-equipped ride that comes with equally reasonable insurance costs, the Ford Edge Sport is hard to beat.
It is a great alternative to pricier trim versions like the downgraded Ford Edge SE
, making that extra initial trim-upgrade well worth your while. Average annual premium before Jerry: $4128
Average annual premium after Jerry: $1996
Miles per gallon: City 17/ highway 24
Car and Driver Safety Rating: n/a
List Price: $29,995 (2018)
Chevrolet Traverse LT
The base model Chevrolet Traverse LT
is perfect for anybody who values performance and spaciousness over extra bells and whistles. With very reasonable fuel economy, the Traverse LT makes for an all-around affordable ride.
For anybody looking for a smart way to save, the Chevrolet Traverse LT makes a wonderful alternative to pricier options like the Chevrolet Blazer V10
. Average annual premium before Jerry: $3470
Average annual premium after Jerry: $2054
Miles per gallon: City 22/ highway 27
Car and Driver Safety Rating: 6 (2021)
List Price: $30,995 (2021)
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Factors that impact your car insurance rate
The type of vehicle you drive is an important factor to consider when looking at insurance quotes, but it isn’t the only factor. Here are some other considerations to keep in mind.
Since most SUVs have a higher chassis mount and are heftier than the average sedan, you are often less likely to get hurt when you ride in one, which will often translate to better insurance savings.
The more specialized components and features, the more costly your car repair
bills are likely to be if you are involved in an accident. If this is the case, you can probably count on having to pay a higher insurance premium. The continual popularity of most SUV models helps keep insurance costs low in this department.
If you don't have a clean driving record
, your insurance company is probably going to consider you riskier to insure than a driver with a spotless record. Likewise, DUI
s and other serious infractions can often cause your rates to multiply. Vehicle safety ratings and features
The safer that a vehicle is, the lesser the risk that it will be involved in an accident. You will generally pay less for insurance if your vehicle has a high safety rating score.
Almost all states have minimum legal insurance minimums in place, and the more insurance you are required to have, the more you will pay for a basic vehicle insurance package.
Drivers in primarily urban areas also often pay higher insurance premiums than rural drivers.
Long-time drivers with clean records will usually snag better rates than younger drivers since they have already proven their driving experience and are statistically less likely to be involved in an accident.
Single people generally pay more for their insurance than those who are married.
Traditionally, insurance providers consider credit score when evaluating the overall trustworthiness of a driver. Not everybody agrees, though. Some states like Massachusetts
, California
, and Hawaii have banned this practice completely. Having a hard time figuring out what you should be paying for car insurance?
Jerry
contacts your insurance company to get the details of your current coverage so you don’t have to scale a mountain of questions. You get all the best prices and coverage with none of the legwork. Simply download the app and generate competitive quotes in less than 45 seconds.
Frequently asked questions
What is the cheapest used SUV to insure?
If you are looking to land the cheapest used SUV to insure, that would be the Honda Pilot VP.
The average annual premium you will pay when you use Jerry to calculate your top insurance rates is an impressive $816 a year.
That is more than half the cost of the much higher average annual premium price tag of $1770 a year that those who don’t use Jerry are likely to end up paying.
Why do SUVs cost more to insure than cars?
Since SUVs are larger than cars, they have more potential to cause damage, which will factor into car insurance rates.
That said, it is important to note that SUVs are not always more expensive to insure than cars, and while vehicles are generally more affordable, there are plenty of exceptions to the rule.
How do I find the cheapest insurance for my SUV?
Use Jerry to compare quotes across providers and find the best rates for you.
Shopping for car insurance
can be a major time-waster, and Jerry
is designed to make the process more efficient from top to bottom. It takes less than a minute to sign up, and once that’s over with, you won’t ever have to worry about manually comparing your quotes, talking to agents, handling paperwork, or finding the best price for your policy renewal ever again.
Saved $725 annually
