SUV insurance groups
Quick answer
SUV insurance groups vary more than almost any other body style — compact crossovers can sit as low as group 10, while large luxury SUVs reach the very top of the 1–50 scale. Size, power, technology and repair complexity all push the number up.
Typical group range here
Groups 9–50
Typical annual estimate*
£315–£1595
*Estimate only, not a quote — driver aged 30–49, medium-risk postcode, comprehensive cover. The midpoint (30) sits in the medium band. How we calculate this.
Cheapest to insure here
| Model | Typical group range | Band | Typical cost* |
|---|---|---|---|
| MG ZS | 9–22 | Low | from £315 |
| Vauxhall Crossland | 10–18 | Low | from £330 |
| Seat Arona | 10–19 | Low | from £330 |
| Renault Captur | 10–18 | Low | from £330 |
| Ford EcoSport | 11–19 | Low | from £350 |
*Estimate only, not a quote — based on the lowest trim in each model's range.
The compact crossover sweet spot
Small crossovers built on supermini platforms are the cheapest SUVs to insure. They share engines and parts with far cheaper hatchbacks, which keeps repair costs down, and their performance is modest. That's why the bottom of the SUV range overlaps with ordinary family hatchbacks rather than sitting above them.
What drives a large SUV to the top of the scale
At the other end, the combination that pushes an SUV towards groups 40–50 is high value, high performance, air suspension and complex driver-assistance systems — plus, for some models, a well-documented theft risk. Security weighting is a real factor here: several large SUVs have carried higher ratings specifically because of keyless theft vulnerability.
Highest-group models here
- Land Rover Defender — up to group 50 (very high band)
- Land Rover Range Rover — up to group 50 (very high band)
- Porsche Cayenne — up to group 50 (very high band)
All 40 models we cover here
- MG ZS (9–22)
- Vauxhall Crossland (10–18)
- Seat Arona (10–19)
- Renault Captur (10–18)
- Ford EcoSport (11–19)
- Nissan Juke (11–21)
- Skoda Kamiq (11–18)
- Ford Puma (11–28)
- Vauxhall Mokka (11–23)
- Volkswagen T-Roc (12–22)
- Hyundai Kona (12–22)
- Renault Kadjar (12–20)
- Nissan Qashqai (13–26)
- Hyundai Tucson (13–25)
- Peugeot 2008 (13–22)
- Hyundai ix35 (14–21)
- Ford Kuga (14–27)
- Kia Sportage (14–27)
- Toyota C-HR (14–24)
- MG HS (14–22)
- Volkswagen Tiguan (15–28)
- Peugeot 3008 (15–26)
- Kia Niro (15–26)
- Toyota RAV4 (17–28)
- Honda CR-V (17–28)
- Mazda CX-5 (17–27)
- Mini Countryman (18–35)
- Audi Q3 (20–42)
- BMW X3 (21–35)
- BMW X1 (21–36)
- Volkswagen ID.4 (21–34)
- Kia Sorento (22–32)
- Mercedes-Benz GLA (25–46)
- Land Rover Range Rover Evoque (25–36)
- Land Rover Discovery Sport (26–37)
- Land Rover Defender (36–50)
- Land Rover Range Rover (40–50)
- Porsche Cayenne (40–50)
- Tesla Model Y (45–50)
- Tesla Model X (48–50)
How these ratings are set
Every figure here comes from the same ABI/Thatcham 1–50 scale used across the site — there is no separate scale for a body style or a brand. See how insurance groups are decided for the rating factors behind each number, or car insurance groups explained for the wider picture. For model ranges launched since August 2024, check our Vehicle Risk Rating guide — those cars are increasingly rated on a different framework.
Frequently asked questions
What is the cheapest SUV to insure?
Compact crossovers based on supermini platforms sit lowest — typically groups 10–14 in our data. The table on this page ranks every SUV we cover by its typical group range.
Why are some SUVs in such high insurance groups?
Large premium SUVs combine high replacement value, strong performance, expensive repairs and — in some cases — a known theft risk. All four push the group up at once.
Check your car's insurance group free
Enter your registration and we'll look up the DVLA record and match it to an insurance group in seconds. No signup, no cost, and we don't store your reg.
Check my insurance group →Other vehicle types
Sources & further reading
- Thatcham Research — The motor insurers' automotive research centre. Co-runs the Group Rating Panel that sets UK insurance groups, and publishes the Vehicle Risk Rating (VRR) framework.
- Association of British Insurers (ABI) — The trade body for UK insurers. Co-runs the Group Rating Panel behind the 1–50 insurance group scale.
- DVLA — Get vehicle information — The official GOV.UK service for vehicle details by registration. Our checker uses the DVLA's Vehicle Enquiry Service API, the same underlying record.