Top 10 Cheapest SUVs to Insure in the UK (2026)

Compact SUVs such as the Skoda Kamiq, Kia Stonic and SEAT Ateca are often among the cheapest to insure in the UK. These models typically sit in lower insurance groups due to smaller petrol engines, lower repair costs and strong safety features.

Some SUVs are more expensive to insure than hatchbacks, but many compact SUVs cost only slightly more when they share similar engines and safety equipment. Insurance costs depend more on risk, repair costs and insurance group rating than body style alone.

Yes. Four-wheel drive SUVs are usually more expensive to insure because the drivetrain is more complex and costly to repair after a claim. Insurers often place these models in higher insurance groups than equivalent front-wheel drive versions.

Yes. Many small and compact SUVs provide enough passenger space and practicality for family use while keeping insurance premiums reasonable. Family-focused SUVs with sensible engines are often seen as lower risk by insurers.

Yes. Always compare car insurance prices before buying an SUV to understand how different models, engine options and trim levels affect the total cost of ownership.

Often, yes. Older SUVs can be cheaper to insure due to a lower purchase price, but safety features, condition and repair costs still play an important role in how insurers price policies.

For 2026, SUVs such as the Skoda Kamiq, Kia Stonic, SEAT Ateca, Dacia Duster and Ford Puma are commonly listed among the cheapest to insure. These models usually sit in lower insurance groups because they use modest petrol engines and have strong safety ratings.

Yes. SUVs with smaller petrol engines are generally cheaper to insure than models with higher power outputs. More powerful engines tend to increase insurance group ratings and overall premiums.

Yes. Higher annual mileage increases the likelihood of an insurance claim, which can raise premiums. Keeping mileage realistic can help reduce insurance costs regardless of SUV size.

Yes. Selecting an SUV in a lower insurance group, with sensible engine options and good safety features, can significantly reduce insurance costs over time.

For new drivers, affordable SUVs are usually compact models with smaller petrol engines and lower insurance group ratings. SUVs such as the Skoda Kamiq, Kia Stonic and Nissan Juke are often suitable because they combine modern safety features with manageable repair costs.

Some hybrid SUVs can be reasonably priced to insure, particularly lower-powered models with strong safety features. Electric SUVs are often more expensive to insure due to higher repair and battery replacement costs, so premiums vary widely by model.