8 Tips for Buying an SUV

Buying an SUV is a big decision, and finding the right one requires balancing features, budget, and long-term costs.

Shopping for an SUV can feel overwhelming. With so many models, trims, and features to choose from, it’s easy to get lost in the details. Whether you’re looking for a family-friendly crossover, a rugged off-roader, or a fuel-efficient hybrid, making the right choice requires research, test drives, and a clear understanding of your needs.

This guide breaks down the key factors to consider when buying an SUV, from size and fuel economy to safety features and resale value. Follow these eight tips to find the perfect vehicle for your lifestyle.

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1. Define Your Needs Before You Start Shopping

The first step in buying an SUV is figuring out exactly what you need. SUVs come in a wide range of sizes, from compact crossovers to full-size models built for towing and hauling. Consider your daily driving habits and what you’ll use the vehicle for most.

Do you need a spacious interior for family road trips?
Are you looking for off-road capability?
Will you be driving mostly in the city, or do you need something suited for snow and rough terrain?

If you’re mostly commuting or running errands, a compact SUV like the Toyota RAV4 or Honda CR-V offers great fuel efficiency and maneuverability. If you need third-row seating, a midsize option like the Kia Telluride or Honda Pilot might be a better fit. For serious towing power or maximum cargo space, a full-size SUV like the Chevrolet Tahoe or Ford Expedition is worth considering.

2. Set a Realistic Budget—Including Hidden Costs

When budgeting for an SUV, it’s important to look beyond just the sticker price. Insurance, fuel costs, maintenance, and potential repair expenses can add up quickly, so factor those into your decision.

New SUVs generally range from around $25,000 for compact models to well over $70,000 for luxury or full-size options. If you’re financing, take a close look at the loan terms, interest rates, and monthly payments to ensure they fit within your financial situation.

It’s also worth considering a used or certified pre-owned SUV. According to Kelley Blue Book, buying a used vehicle that’s two to three years old can save you thousands of dollars while still offering modern features and warranty protection.

3. Prioritize Safety Features and Crash Test Ratings

SUVs are known for their safety, but not all models are created equal. Before making a purchase, research the crash test ratings from the National Highway Traffic Safety Administration (NHTSA) and the Insurance Institute for Highway Safety (IIHS).

In addition to crash ratings, look for essential safety features such as:

Automatic emergency braking
Blind-spot monitoring
Lane-keeping assist
Adaptive cruise control
Rear cross-traffic alert

Some SUVs also offer advanced driver-assistance systems, like Tesla’s Autopilot or Ford’s BlueCruise, which can help with highway driving. Even if you’re buying used, try to find a model with these modern safety technologies—they can make a big difference in preventing accidents.

4. Consider Fuel Efficiency and Long-Term Costs

SUVs are traditionally less fuel-efficient than sedans, but newer models have made major improvements. Many automakers now offer hybrid and plug-in hybrid SUVs that provide better mileage without sacrificing space or performance.

For example, the Toyota RAV4 Hybrid gets up to 40 miles per gallon, significantly better than many gas-powered competitors. On the luxury side, the Lexus RX Hybrid balances power and efficiency well.

If you’re considering a larger, gas-powered SUV, be aware of fuel costs. A full-size model like the Chevrolet Suburban might only get 15-20 mpg, which can become expensive over time. If you drive long distances regularly, opting for a hybrid or a fuel-efficient four-cylinder engine can save thousands in fuel expenses.

5. Test Drive Multiple Models—Don’t Just Rely on Reviews

Online reviews and specs can only tell you so much. To truly understand how an SUV handles, you need to get behind the wheel.

When test-driving an SUV, pay attention to:

Comfort: Are the seats supportive? Is the ride smooth or too stiff?
Visibility: Are there blind spots? Does the vehicle feel easy to maneuver?
Acceleration and Braking: Does the engine feel responsive? Do the brakes feel firm?
Technology: Is the infotainment system easy to use? How well does it integrate with your phone?

Try to test drive at least three different models to compare how they feel. Some SUVs, like the Mazda CX-5, offer a sportier, more engaging drive, while others, like the Subaru Forester, prioritize comfort and practicality.

6. Evaluate Cargo Space and Interior Flexibility

One of the biggest reasons people buy SUVs is for their cargo space—but not all SUVs are as spacious as they seem.

Before making a decision, take a close look at:

Cargo volume with the seats up and down (some SUVs have a third row that drastically reduces storage space)
Rear-seat legroom and overall passenger comfort
Fold-flat rear seats for extra storage flexibility

If you frequently haul large items, an SUV with a power liftgate and a low cargo floor (like the Honda CR-V) can make loading and unloading much easier. If you need more room, a midsize or full-size model like the Volkswagen Atlas or Chevrolet Traverse will give you extra space.

7. Check the Towing Capacity and Off-Road Features (If Needed)

If you plan on towing a trailer, boat, or camper, make sure your SUV has enough power. Towing capacity varies significantly between models.

Compact SUVs (like the Ford Escape) typically tow around 1,500–3,500 lbs.
Midsize SUVs (like the Jeep Grand Cherokee) can tow 5,000–7,200 lbs.
Full-size SUVs (like the Chevy Tahoe or Ford Expedition) can handle up to 9,000 lbs.

For off-roading, look for features like all-wheel drive (AWD) or four-wheel drive (4WD), skid plates, and a locking differential. If you need serious off-road capability, models like the Toyota 4Runner or Jeep Wrangler are purpose-built for rough terrain.

8. Research Resale Value and Long-Term Reliability

Some SUVs hold their value much better than others. According to J.D. Power and Edmunds, brands like Toyota, Honda, and Subaru tend to have higher resale values and lower long-term maintenance costs.

Luxury SUVs, while appealing, often depreciate faster. For example, a brand-new BMW X5 might lose 50% of its value within five years, whereas a Toyota Highlander retains more of its worth over time.

Before making a purchase, check predicted depreciation rates and reliability ratings. A little research now can save you thousands down the road.

Final Thoughts

Buying an SUV is a big decision, and finding the right one requires balancing features, budget, and long-term costs. To recap, here are the key takeaways:

Define your needs—consider size, features, and how you’ll use the vehicle.
Set a realistic budget, including insurance, fuel, and maintenance costs.
Prioritize safety, looking for high crash-test ratings and driver-assistance features.
Evaluate fuel efficiency, especially if gas prices are a concern.
Test drive multiple models before making a decision.
Check cargo space and seating flexibility to ensure it meets your needs.
Consider towing capacity and off-road capability, if relevant.
Research resale value and reliability to avoid costly depreciation.