Smiling dad and 2 daughters sitting in new SUV

Cheapest SUVs, Trucks & Vans to Insure

Sport utility vehicles (SUVs) are the “it” car to have at the moment. The segment has overtaken sedans and even sports cars to become the darlings of the automotive world. SUVs, vans and pickup trucks are expected to make up an astounding 78 percent of vehicle sales by 2025, according to “The New York Times”1.

“Consumers’ preferences are leaning towards SUVs and trucks for many reasons, including styling, cargo and seating capacity, and safety benefits,” said Chong Gao, director of product management R&D for Mercury Insurance. “As auto manufacturers respond to this trend by focusing on the production of these types of vehicles, consumers have many more options to choose from. That’s why we put together these lists as a guide for consumers to consider insurance cost as an important factor in purchasing a vehicle.”

SUVs and trucks offer many advantages over sedans. In addition to more cargo space and increased seating capacity, the higher ride leads to wider visibility on the road. An SUV or truck can also carry more weight than a standard sedan or hatchback, allowing you to fill the ample space with extra luggage or lifestyle equipment, and is capable of towing things like boats or trailers. These larger vehicles are also at an advantage safety-wise, as they tend to have sturdier frames and are built on stronger chassis.

Traditionally, SUVs and trucks are less fuel-efficient than sedans or hatchbacks; however, recent models have benefitted from technological advancements like turbocharged and direct fuel-injected engines that result in fuel efficiency that is leaps and bounds ahead of the models that preceded them.

Mercury’s research and development team examined 2020 to 2021 model year SUVs, trucks and vans that are available at car dealerships today to compile this list2.

Here is the top-ten list, beginning with the cheapest make and model to insure.

  1. Chevrolet Express
  2. GMC Savana
  3. Hyundai Santa Fe
  4. Honda Pilot
  5. Mazda CX-9
  6. Kia Sportage
  7. Chevrolet Silverado
  8. Jeep Cherokee
  9. Kia Sorento
  10. Chevrolet Colorado

Mercury’s research and development team also examined 2016 to 2019 model year SUVs, trucks and vans to compile this top-ten list2 of the most affordable used makes and models to insure.

  • 2016-19 Chevrolet Express
  • 2016-19 GMC Savana
  • 2016 Dodge Ram
  • 2016-18 Hyundai Santa Fe
  • 2016-18 Honda Pilot
  • 2016-17 Mazda CX-9
  • 2016 Kia Sportage
  • 2016 Chevrolet Colorado
  • 2016 Honda CR-V (tied for ninth)
  • 2016 Honda HR-V (tied for ninth)

Mercury offers affordable car insurance without sacrificing quality support and service. Talk with an agent today to help you find cheap car insurance.


1 https://www.nytimes.com/2020/05/21/business/suv-sales-best-sellers.html

2 Mercury Insurance developed the list based on full coverage premium (BI, PD, COMP, COLL, MP, UMBI and UMPD) for a hypothetical driver with average factors for each rating element.