When you’re shopping for a new SUV in Canada, it’s not just the sticker price that matters. Insurance can be one of the biggest ongoing costs of ownership, especially for families and young professionals trying to stay within budget. Choosing an SUV with lower insurance premiums can save you hundreds of dollars a year without sacrificing safety, comfort, or style.
In this guide, we’ll look at the top 10 SUVs with the lowest insurance cost in Canada for 2025. These models are chosen based on their strong safety ratings, affordable repair costs, and popularity with insurers. Whether you’re looking for a family-friendly vehicle or a compact option for city driving, you’ll find an SUV that fits your needs and helps you save.
Why Insurance Costs Matter When Choosing an SUV
Insurance premiums in Canada vary widely depending on the vehicle you drive. Factors like safety features, theft risk, repair costs, and crash-test results all affect how much you’ll pay. SUVs that are considered safe, reliable, and affordable to repair typically come with lower insurance costs.
If you’re a first-time SUV buyer or a family looking to reduce monthly expenses, comparing insurance rates is just as important as comparing fuel economy and features.
Top 10 SUVs With Lowest Insurance Cost in Canada 2025
Here are the SUVs that stand out for their low insurance premiums, affordability, and value in 2025:
1. Honda CR-V
The Honda CR-V consistently ranks as one of the most affordable SUVs to insure in Canada. With a five-star safety rating, advanced driver-assist features, and a reputation for reliability, insurers view it as a low-risk vehicle. Families appreciate its spacious interior and excellent fuel efficiency.
Why it’s affordable to insure: Strong safety record, low theft rate, widely available parts.
2. Toyota RAV4
The RAV4 remains a Canadian favourite in 2025. It combines durability, excellent resale value, and a strong suite of safety technologies. Its hybrid option is especially attractive to budget-conscious drivers who also want fuel savings.
Why it’s affordable to insure: High safety scores and Toyota’s reputation for reliability keep insurance costs down.
3. Hyundai Tucson
The Hyundai Tucson is packed with standard safety features, from lane-keeping assist to automatic emergency braking. Its affordable purchase price also means insurers consider it a lower-risk option for claims.
Why it’s affordable to insure: Modern safety tech reduces accident risk, and repair costs are relatively low.
4. Mazda CX-5
The Mazda CX-5 is a stylish compact SUV that delivers sporty handling without sacrificing practicality. It’s also one of the safest vehicles in its class, with excellent crash-test ratings.
Why it’s affordable to insure: High safety performance and fewer claims history make premiums lower.
5. Subaru Forester
Subaru vehicles are known for their all-wheel drive and safety. The Forester continues to be a top pick for Canadian winters, offering visibility, reliability, and strong safety ratings.
Why it’s affordable to insure: Insurance companies favour Subaru’s safety reputation and low driver risk profile.
6. Kia Sportage
The redesigned 2025 Kia Sportage offers a modern look, roomy cabin, and strong warranty. Its insurance costs remain among the lowest for its category, making it a solid budget-friendly choice.
Why it’s affordable to insure: Competitive repair costs and advanced safety features.
7. Nissan Rogue
The Rogue combines comfort with technology. With features like blind-spot monitoring and ProPILOT Assist, it’s designed to help prevent accidents—something insurers reward with lower premiums.
Why it’s affordable to insure: Strong emphasis on driver-assistance technology reduces collision risk.
8. Chevrolet Equinox
The Chevrolet Equinox has been a staple in Canada for years. Its affordability, practicality, and easy-to-repair structure help keep insurance premiums in check.
Why it’s affordable to insure: Widely available parts and lower repair costs.
9. Ford Escape
The 2025 Ford Escape continues to offer flexible powertrain options, including hybrid and plug-in hybrid. It’s family-friendly and scores well in crash safety tests, making it appealing to insurers.
Why it’s affordable to insure: Strong safety ratings and affordable parts reduce overall insurance expenses.
10. Mitsubishi Outlander
Rounding out the list, the Outlander stands out with its long warranty and standard all-wheel drive. Insurance rates remain competitive thanks to its strong safety record and relatively low repair costs.
Why it’s affordable to insure: Lower accident claim rates and reliable build quality.
Other Factors That Affect SUV Insurance Costs
While choosing one of the SUVs above can help reduce your premiums, other factors also play a big role in how much you’ll pay:
- Your driving record – Safe drivers always pay less.
- Location – Insurance rates vary across provinces and cities in Canada.
- Usage – Daily commuting increases costs compared to occasional driving.
- Coverage level – More comprehensive plans cost more, but provide greater protection.
Tips to Lower Your SUV Insurance Premiums in Canada
If you’re planning to buy an SUV in 2025, here are some practical ways to keep insurance costs under control:
- Compare quotes from multiple insurers before committing.
- Bundle insurance with home or tenant coverage for discounts.
- Choose higher deductibles if you can afford the risk.
- Install anti-theft devices to reduce theft risk.
- Maintain a clean driving record to earn long-term discounts.
Conclusion: Finding the Best Value SUV in Canada
Choosing the right SUV isn’t only about features and fuel economy—it’s also about long-term affordability. The Honda CR-V, Toyota RAV4, and Hyundai Tucson are among the best SUVs with the lowest insurance cost in Canada for 2025, but all ten on this list offer strong value.
If you’re a family, student, or professional looking for affordable SUV ownership, prioritizing vehicles with lower insurance premiums can save you money every month. By combining the right SUV with smart insurance strategies, you’ll enjoy peace of mind and better financial stability.
FAQs About SUV Insurance in Canada
1. Which SUV has the absolute lowest insurance cost in Canada for 2025?
The Honda CR-V and Toyota RAV4 are consistently among the cheapest SUVs to insure in Canada due to their strong safety ratings and low repair costs.
2. Are small SUVs cheaper to insure than large SUVs?
Yes. Compact and mid-size SUVs usually have lower insurance premiums compared to larger models because they’re less expensive to repair and are involved in fewer severe collisions.
3. Does choosing a hybrid SUV affect insurance rates?
Sometimes. While hybrid models like the Toyota RAV4 Hybrid may have slightly higher repair costs, their strong safety features often balance out insurance premiums.
4. How can families find the most affordable SUV insurance in Canada?
Families can save by choosing SUVs with strong safety ratings, bundling policies, and comparing multiple insurers before purchase.
5. Do safety features really lower SUV insurance costs?
Yes. Features like automatic emergency braking, blind-spot monitoring, and lane-keeping assist reduce accident risks, which insurers reward with lower rates.