The Top 10 Cheapest SUVs to Insure in Ontario in 2026
Model choice alone can create a sizable difference in SUV insurance costs before the insurer even evaluates the driver, postal code or selected coverage.
Using our latest data collected since the beginning of 2026, this guide identifies Ontario’s cheapest SUVs to insure and outlines what may cause an SUV insurance quote to change.
| Car Model | Median Annual Premium | Median Monthly Premium |
|---|---|---|
| Ford Edge SEL | $1,727 | $144 |
| Infiniti QX50 Pure | $1,824 | $152 |
| Hyundai Santa Fe | $2,015 | $168 |
| Mazda CX-30 GS | $2,124 | $177 |
| Audi Q5 | $2,252 | $188 |
| Nissan Murano SL | $2,292 | $191 |
| GMC Acadia SLE | $2,340 | $195 |
| Nissan Kicks SV | $2,362 | $197 |
| Volkswagen Tiguan Comfortline | $2,366 | $197 |
| Mitsubishi Eclipse Cross SE | $2,399 | $200 |
Source: MyChoice Quote Database, 2026
Our Methodology for Choosing the Cheapest SUVs to Insure in Ontario
We looked at a range of quotes collected across Ontario since the beginning of 2026. Our analysis included drivers with a standard profile: someone aged 35–44, married, with some insurance history, a clean driving record and a full car insurance package, including Collision and Comprehensive coverage.
Please note that this ranking does not necessarily indicate what you’ll pay to insure a vehicle. Your premium could be higher or lower depending on driver characteristics, vehicle options, location, annual kilometres driven, level of insurance, deductibles and insurance company.
1. Ford Edge SEL
The Ford Edge SEL has the lowest Ontario median of all the SUVs in our database at $1,727 per year.
The Edge is a midsize crossover with two rows of seats and plenty of cargo room, making it larger than many compact SUVs. The SEL is a mid-range trim level.
2. Infiniti QX50 Pure
At a median annual premium of $1,824, the Infiniti QX50 Pure takes second place.
The QX50 is a compact, two-row crossover from Infiniti, Nissan’s luxury brand, making it one of two models in the top 10 with a luxury badge. A difference of $521 separates it from the Ontario benchmark of $2,345. That is unusual among luxury-branded SUVs and shows why each model deserves an individual comparison.
3. Hyundai Santa Fe
The Hyundai Santa Fe costs about $2,015/year to insure in Ontario, making it the third-cheapest SUV to insure on our list.
It’s a midsize, two-row SUV with plenty of passenger and cargo room. Actual insurance costs can vary based on trim level, powertrain, drivetrain, model year and options.
4. Mazda CX-30 GS
Our aggregate data puts the Mazda CX-30 GS in fourth place at $2,124 per year.
Insuring a Mazda CX-30 GS costs $221 less than the Ontario benchmark and $109 more than the Hyundai Santa Fe listed above it.
5. Audi Q5
The Audi Q5 is the second luxury-badged vehicle in the top 10. Specific trim levels, model years and options can affect its insurance premiums.
6. Nissan Murano SL
With a median annual premium of $2,292, the Nissan Murano SL remains just under $2,300 in this comparison.
The Murano is a two-row midsize crossover SUV that offers comfort and passenger space. The SL is a higher-tier trim that typically includes some advanced technology and convenience features.
7. GMC Acadia SLE
In the seventh spot, we have the GMC Acadia SLE at $2,340 a year.
The Acadia is a midsize SUV that appeals to drivers who need more space and cargo versatility than compact crossovers offer. The SLE is more family-friendly than luxurious compared with pricier trims that offer more upscale features.
8. Nissan Kicks SV
Our data puts the Nissan Kicks SV at a median price of $2,362 to insure in Ontario.
One step up from the base model, the Kicks SV adds useful technology and convenience upgrades while remaining relatively affordable. The Kicks is a small crossover that makes sense around town thanks to its compact size and practical cargo area.
9. Volkswagen Tiguan Comfortline
Ninth place goes to the Volkswagen Tiguan Comfortline at $2,366 annually, only $4 above the Nissan Kicks SV.
The compact Tiguan is a good alternative if you want more passenger and cargo room than many smaller crossovers offer.
10. Mitsubishi Eclipse Cross SE
The difference in annual cost between the first- and tenth-ranked SUVs is $672. The Mitsubishi Eclipse Cross finishes the list as the tenth-cheapest SUV in our dataset. Its median annual insurance premium is $2,399, which is $54 more than the Ontario benchmark.
The Eclipse Cross is a compact crossover with a relatively small footprint and a versatile cabin for everyday use.
How to Get Affordable SUV Insurance
Selecting one of the lower-cost SUVs is not the only way to reduce your premium. Drivers can also consider these measures:
- Compare quotes: Prices can differ sharply between companies, so check the market each year or at renewal.
- Bundle policies: A multi-policy discount may be available when the same provider handles your auto and home insurance.
- Increase your deductible: A higher deductible may reduce your premium, provided you can afford the amount when making a claim.
- Maintain a clean driving record: Over time, safer driving can lead to lower rates.
What Factors Determine SUV Insurance Premiums?
An SUV premium is calculated using several factors, including:
- Vehicle make and model: The cost of replacing or repairing an SUV differs by model.
- Safety ratings: Models with strong crash-test performance and safety equipment may cost less to insure.
- Theft rates: SUVs frequently targeted by thieves may be more expensive to insure.
- Repair costs: Premiums may rise when parts are costly or repairs require specialized work.
- Driver profile: Insurance quotes are influenced by age, driving experience and accident history.
- Location: Differences in traffic density and claim frequency mean your postal code can affect rates.