5 Best Used SUVs Under $20,000 for 2026

SUVs remain among the most popular types of passenger vehicles in the U.S. They offer everything from safety, ruggedness, and family-friendly features to cargo space, towing capacity, and even luxury. If you're in the market for a new SUV, it's likely you'll find one with all the features you need. 

Unfortunately, purchasing a new SUV of any size usually comes with a high price. In general, new car prices have been on the rise since 2018. The rate of increase slowed a little in 2023 and 2024, but the damage has been done. If you're on a $20,000 budget, a new SUV is probably out of reach. But there are numerous reliable and affordable used SUVs available that are just as likely to fit the bill. 

Here we'll discuss some of the best SUVs under $20,000. They're a great place to start when you're looking for an SUV that won't bust your budget. And remember, before you buy any car, make sure you have the right car insurance in place. An independent insurance agent can help you find quality, affordable coverage that fits your needs. 

How Have Increased New Car Prices Impacted the SUV Market?

SUVs are some of the most expensive vehicles you can buy, with new luxury full-size models often topping out at over $100,000. For most people, that's a non-starter. 

Things don't get much better for smaller SUV models:

• Subcompact SUVs have an average price of around $30,000 
• Full-size SUVs have an average price of around $76,500 
• Compact SUVs cost around $36,600 on average
• Mid-size SUVs cost around $48,300 on average  

If your budget is around $20,000, chances are you'll have to buy used. In most cases, buying used is a great option. Here are five of the best used SUVs under $20,000 that you might find at a local dealership:

2021 Mazda CX-5

Average price: $14,781 - $24,635

The 2021 Mazda CX-5 is a winner in the compact SUV category. It offers high-end performance, a sophisticated interior, and a generous list of standard features. In addition to being one of the most affordable, the CX-5 is one of the best used compact SUVs you'll find. 

2017 Honda CR-V

Average price: $15,682 - $18,410

The 2017 Honda CR-V offers a large cargo area, an upscale and roomy cabin, and solid safety and reliability ratings. With a wide range of advanced safety features and outstanding fuel economy, the CR-V is a consistently highly-regarded compact SUV regardless of the model year. 

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2017 Kia Sorento

Average price: $11,171 - $15,753

The Kia Sorento is consistently a top-ranked mid-sized SUV across model years. The 2017 model offers outstanding safety and reliability ratings with a top-tier cabin. 

2019 Hyundai Santa Fe

Average price: $15,852 - $22,166

The 2019 Hyundai Santa Fe is a great option for an affordable mid-size or crossover SUV. It consistently ranks among the best in the midsize SUV class, and the 2019 model is no exception. 

With its user-friendly features, great safety score, and fantastic reliability rating, the 2019 Santa Fe may be right for you. 

2022 Hyundai Kona

Average price: $12,946 - $21,576

The 2022 Hyundai Kona is a subcompact SUV with good ride quality, sharp styling, and available all-wheel drive. If you're looking for a pre-owned, affordable SUV, take a look at the 2022 Kona. 

How to Get the Best Car Insurance for Your SUV 

While it's true that a $20,000 budget might limit the SUVs available or the features you can get, it doesn't mean you can't get an SUV. You'll likely need to buy used, but as you can see, there are many great options available to you. 

Remember to shop around for the best car insurance for your new SUV, too. You can find an affordable policy by working with a local independent insurance agent.