Smiling dad and 2 daughters sitting in new SUV

Cheapest SUVs, Trucks & Vans to Insure

Sport utility vehicles (SUVs) have quickly overtaken sedans and even sports cars as the new “it” car and sales show no sign of slowing down. SUVs, vans and pickup trucks are expected to make up an astounding 78 percent of vehicle sales by 2025.

“Consumers have 100% bought into SUVs,” said Mercury Insurance Director of Product Management R&D Chong Gao. “Auto manufacturers have responded with a ton of models, which is why Mercury’s list is a great guide for consumers because insurance cost is 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.

Recent models have also 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.

Photo collage of cheapest SUVs and trucks to insure

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

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

  1. Fiat 500x
  2. Hyundai Santa Fe
  3. Honda Pilot
  4. Mazda CX-9
  5. Kia Sportage
  6. Jeep Cherokee
  7. Kia Sorento
  8. Honda CR-V
  9. Honda HR-V
  10. Ford Edge

Mercury’s research and development team also examined 2016 to 2019 model year SUVs, trucks and vans to compile this top-ten list3 of the most affordable used makes and models to insure.

  1. 2016-19 Chevrolet Express
  2. 2016-19 GMC Savana
  3. 2016 Dodge Ram
  4. 2016-18 Hyundai Santa Fe
  5. 2016-18 Honda Pilot
  6. 2016-17 Mazda CX-9
  7. 2016 Kia Sportage
  8. 2016 Chevrolet Colorado
  9. 2016 Honda CR-V (tied for ninth)
  10. 2016 Honda HR-V (tied for ninth)

Trucks have also seen a growth in popularity with pickup sales exceeding car sales last spring.

“Many drivers are opting for trucks because of the versatility they provide,” said Mercury Insurance Director of Product Management R&D Chong Gao. “A truck can support your outdoor hobbies on the weekend as well as come with many of the conveniences of luxury vehicles for workday commutes.”

Mercury’s research and development team also examined 2021 model year (MY) trucks that are available at car dealerships today to compile this list.

Here is the top-ten4 list for new 2021 trucks, beginning with the most affordable make and model to insure.

  1. Chevrolet Silverado
  2. Chevrolet Colorado
  3. Ford Ranger

  4. Toyota Tundra Crewmax
  5. Ford F350 Super Duty
  6. Ford F150
  7. GMC Sierra
  8. Toyota Tacoma
  9. Ford F250 Super Duty
  10. Dodge 3500

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. 

3 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.

4 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.