Insurance Cost for Compact SUVs: 2025 Rates and Segment Comparisons for All Models

The small SUV segment has grown to over 40% of all vehicle sales in just over 20 years thanks to popular models like the Honda CR-V and Toyota RAV4. We rank over 45 models based on insurance affordability.

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Small SUVs and CUVs (Crossover Utility Vehicles) are the fastest growing segment in the automotive industry. In 20 years, the segment has grown to over 40% of the market and has shown no signs of slowing down.

With such a market dominance, how do small SUVs fare on the insurance side? Surprising well, actually. Costing on average 5% more than the average midsized car, small SUVs have a slight disadvantage in fuel economy numbers but more than make up for it with affordable auto insurance rates.

How much does insurance cost for a compact SUV?

The small SUV segment has surprisingly good insurance rates, ranging from the Subaru Crosstrek at $1,730 per year for full coverage insurance to the Ford Mustang Mach-E at $2,742 per year for 2024 models. The average cost of insurance for all small SUVs is $2,154 per year.

The table below ranks all 2024 compact SUVs by annual and monthly insurance policy cost.

2024 Small SUV Insurance Cost Comparison
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,730$144
2Chevrolet Trailblazer$1,760$147
3Kia Soul$1,826$152
4Nissan Kicks$1,844$154
5Buick Envision$1,878$157
6Toyota Corolla Cross$1,888$157
7Hyundai Venue$1,902$159
8Mazda CX-5$1,910$159
9Ford Bronco Sport$1,918$160
10Volkswagen Tiguan$1,938$162
11Buick Encore$1,988$166
12Honda CR-V$1,996$166
13Volkswagen Taos$2,008$167
14Kia Niro$2,014$168
15Honda HR-V$2,040$170
16Subaru Forester$2,084$174
17Kia Seltos$2,094$175
18GMC Terrain$2,096$175
19Nissan Rogue$2,106$176
20Hyundai Kona$2,110$176
21Mazda CX-30$2,114$176
22Volkswagen ID4$2,124$177
23Ford Escape$2,138$178
24Chevrolet Equinox$2,158$180
25Toyota RAV4$2,162$180
26Mazda MX-30$2,172$181
27Hyundai Tucson$2,176$181
28Chevrolet Trax$2,210$184
29Mini Cooper Clubman$2,220$185
30Mini Cooper$2,226$186
31Mitsubishi Eclipse Cross$2,246$187
32Jeep Renegade$2,252$188
33Mitsubishi Outlander$2,280$190
34Kia Sportage$2,294$191
35Hyundai Ioniq 5$2,302$192
36Nissan Ariya$2,304$192
37Fiat 500X$2,310$193
38Mini Cooper Countryman$2,318$193
39Subaru Solterra$2,320$193
40Mazda CX-50$2,326$194
41Toyota bz4X$2,330$194
42Mitsubishi Mirage$2,342$195
43Kia EV6$2,416$201
44Dodge Hornet$2,492$208
45Jeep Compass$2,536$211
46Hyundai Nexo$2,584$215
47Ford Mustang Mach-E$2,742$229

Data Methodology: Rates and models are for the 2024 model year. Driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle. Updated June 27, 2025

Comparison of the annual and monthly insurance cost for all 2024 model year small suvs
Comparison of the annual and monthly insurance cost for all 2024 model year small suvs

As a monthly expense, auto insurance for the small SUV segment ranges from $144 to $229 per month. Assumptions made for these rates include full coverage, a middle-aged safe driver, and rates are averaged for all trim levels for each vehicle model.

Our small SUV segment could be called the “affordable small SUV” class, as it does not include small luxury SUVs like the Acura RDX, Lexus UX 200, or Audi Q3. We rank luxury vehicles separately in order to have more of an apples-to-apples comparison of insurance cost.

Next, we’ll cover some of the more commonly asked questions that might pop up when researching insurance for a small SUV.

Which small SUV is cheapest to insure?

The cheapest 2024 model year small SUV to insure is the Subaru Crosstrek, costing $1,730 per year. This breaks down to $865 for a 6-month policy or $144 per month. With the average small SUV costing $2,154 per year for insurance, the Subaru Crosstrek can potentially save around $424 a year.

The other models ranked in the top five small SUVs with the cheapest insurance cost include the Chevrolet Trailblazer at $1,760 per year, the Kia Soul at $1,826, the Nissan Kicks at $1,844, and the Buick Envision at $1,878.

Also see our complete SUV car insurance cost comparison including mid-size and full-size models to find out what is the cheapest SUV to insure.

Which small SUV is most expensive to insure for 2024?

The most expensive small SUV to insure for the 2024 model year is the Ford Mustang Mach-E, costing $2,742 per year. It will cost around $1,012 more to insure a Ford Mustang Mach-E each year compared to the cheapest small SUV to insure, the Subaru Crosstrek.

At $2,742 a year, that is a 24% premium over the $2,154 average for the small SUV class, and 21% more than the national average car insurance rate (all vehicles) of $2,221.

What does insurance cost on average for a small SUV?

The average insurance rate for all 47 vehicles in our small SUV insurance cost comparison is $2,154 per year. This compares very favorably to the overall all-vehicle national average insurance rate of $2,221, a difference of $67 per year.

By far, the Toyota RAV4 is the most popular small SUV in America. With third quarter 2023 sales of 115,814 units, it beats the second place Honda CR-V by about 17,000 sales. Incidentally, RAV4 insurance costs a little more than the average small SUV at an additional $8 more per year.

Does a Toyota RAV4 or Honda CR-V cost less to insure?

With the Toyota RAV4 and Honda CR-V being #1 and #2 in small SUV segment sales, an obvious question is which one costs less to insure. The easy winner is the CR-V at $1,996 per year compared to the RAV4 at $2,162, a difference of $166 per year.

The insurance cost for each model does average rates across all trim levels, so it’s important to understand that comparing a base level Toyota RAV4 LE to the premium Honda CR-V Sport Touring Hybrid will have an entirely different result.