Small SUV Insurance Rate Comparisons

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 small SUV insurance cost?

The small SUV segment has surprisingly good insurance rates, ranging from the Chevrolet Trailblazer at $1,334 per year for full coverage insurance to the Ford Mustang Mach-E at $1,996 per year for 2023 models. The average cost of insurance for all small SUVs is $1,606 per year.

The table below ranks all 2023 compact SUVs by annual and monthly insurance policy cost.

Small SUV Insurance Cost Comparison
Rank Make/Model Annual Cost Monthly Cost
1Chevrolet Trailblazer$1,334$111
2Subaru Crosstrek$1,346$112
3Nissan Kicks$1,354$113
4Nissan Rogue Sport$1,378$115
5Mazda CX-5$1,386$116
6Buick Encore$1,406$117
7Buick Envision$1,410$118
8Kia Seltos$1,430$119
9Hyundai Venue$1,440$120
10Honda HR-V$1,464$122
11Hyundai Kona$1,480$123
12Subaru Forester$1,486$124
13Honda CR-V$1,496$125
14Mazda CX-30$1,498$125
15Chevrolet Trax$1,514$126
16Volkswagen Tiguan$1,532$128
17Ford Bronco Sport$1,536$128
18Fiat 500X$1,564$130
19GMC Terrain$1,566$131
20Kia Soul$1,568$131
21Mitsubishi Eclipse Cross$1,572$131
22Chevrolet Equinox$1,588$132
23Toyota Corolla Cross$1,592$133
24Volkswagen Taos$1,600$133
25Mazda CX-50$1,610$134
26Hyundai Tucson$1,614$135
27Ford Escape$1,616$135
28Nissan Rogue$1,622$135
29Toyota RAV4$1,634$136
30Mazda MX-30$1,636$136
31Kia Niro$1,638$137
32Mini Cooper$1,648$137
33Jeep Compass$1,652$138
34Mini Cooper Clubman$1,674$140
35Jeep Renegade$1,698$142
36Chevrolet Bolt$1,710$143
37Toyota bz4X$1,716$143
38Kia Sportage$1,760$147
39Hyundai Ioniq 5$1,764$147
40Mini Cooper Countryman$1,812$151
41Mitsubishi Mirage$1,818$152
42Mitsubishi Outlander$1,820$152
43Volkswagen ID4$1,832$153
44Kia EV6$1,870$156
45Dodge Hornet$1,872$156
46Hyundai Nexo$1,938$162
47Ford Mustang Mach-E$1,996$166

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average rates are based on 2023 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on December 30, 2022
    Small SUV Insurance Cost Comparison

    As a monthly expense, auto insurance for the small SUV segment ranges from $111 to $166 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 2023 model year small SUV to insure is the Chevrolet Trailblazer, costing $1,334 per year. This breaks down to $667 for a 6-month policy or $111 per month. With the average small SUV costing $1,606 per year for insurance, the Chevrolet Trailblazer can potentially save around $272 a year.

    The other models ranked in the top five small SUVs with the cheapest insurance cost include the Subaru Crosstrek at $1,346 per year, the Nissan Kicks at $1,354, the Nissan Rogue Sport at $1,378, and the Mazda CX-5 at $1,386.

    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?

    The most expensive small SUV to insure is the Ford Mustang Mach-E, costing $1,996 per year. It will cost around $662 more to insure a Ford Mustang Mach-E each year compared to the cheapest small SUV to insure, the Chevrolet Trailblazer.

    At $1,996 a year, that is a 19.5% premium over the $1,606 average for the small SUV class, and 15.6% more than the national average car insurance rate (all vehicles) of $1,685.

    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 $1,606 per year. This compares very favorably to the overall all-vehicle national average insurance rate of $1,685, a difference of $79 per year.

    By far, the Toyota RAV4 is the most popular small SUV in America. With third quarter 2022 sales of 102,456 units, it beats the second place Honda CR-V by about 40,000 sales. Incidentally, RAV4 insurance costs a little more than the average small SUV at an additional $28 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 $1,496 per year compared to the RAV4 at $1,634, a difference of $138 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 Touring will have an entirely different result.