Buying a used SUV under $20,000 in New Zealand is one of the smartest ways to get extra space, safety, and comfort without blowing your budget. Whether you are looking for a family friendly wagon, a practical commuter, or a versatile all rounder for weekend trips, the $12,000 to $20,000 price range is packed with reliable, proven models.
At Dave Allen Motors, every SUV is hand-picked and checked carefully. With 625+ Google 5-Star Reviews and over 48,000 vehicles sold NZ wide, we are proud to help Kiwi drivers find the right SUV at the right price.
Why Buy a Used SUV Under $20,000?
Choosing a used SUV in this price bracket gives you:
- Higher driving position and better visibility on NZ roads
- Extra safety features compared with older small cars
- More interior space for kids, pets, and luggage
- Practical boot space for sports gear, prams, and tools
- Good all weather performance, especially in rain and wind
- Proven reliability from trusted Japanese and global brands
Below is our 2026 guide to some of the best SUVs under $20,000 in New Zealand, based on reliability, running costs, practicality, and popularity with Kiwi drivers.
1. Toyota RAV4 (Approx. 2013–2016)
The Toyota RAV4 is one of New Zealand’s most popular used SUVs. It combines Toyota’s legendary reliability with a practical, easy to drive package that suits city and highway driving.
Why it is a great choice:
- Excellent reliability and resale value
- Comfortable and easy to drive
- Good fuel economy for an SUV
- Spacious cabin and practical boot
Typical price range: Around $15,000 – $20,000, depending on year, mileage, and specification.
Best for: Families, commuters, and buyers wanting a long term, low stress SUV.
2. Mazda CX-5 (Approx. 2013–2015)
The Mazda CX-5 feels modern to drive, with sharp steering and a premium interior. It is one of the most popular mid-size SUVs in NZ and a favourite for buyers who want something a bit sportier.
Why it is a great choice:
- Modern interior design and dashboard layout
- Sporty, responsive handling
- Good fuel efficiency for its size
- Comfortable seats and refined ride
Typical price range: Around $14,000 – $20,000.
Best for: Drivers wanting a stylish, modern SUV that still fits under the $20,000 mark.
3. Honda CR-V (Approx. 2012–2014)
The Honda CR-V is known for its huge interior space and strong build quality. It is ideal for growing families who need a comfortable and practical daily driver.
Why it is a great choice:
- Very spacious cabin and generous legroom
- Large, usable boot space
- Strong, proven engines
- Comfortable for both city and open-road driving
Typical price range: Around $12,000 – $18,000.
Best for: Families needing extra space without jumping into a much bigger and more expensive vehicle.
4. Nissan X-Trail (Approx. 2013–2016)
The Nissan X-Trail is a very practical SUV that suits both city life and weekend trips. Many models offer flexible seating and a roomy boot, making it a popular choice in New Zealand.
Why it is a great choice:
- Comfortable ride and easy driving position
- Good boot size and flexible interior layout
- Efficient engines for everyday commuting
- Well suited to family and lifestyle use
Typical price range: Around $13,000–$18,500.
Best for: Families, couples, and buyers who enjoy road trips and weekend adventures.
5. Subaru Forester (Approx. 2012–2015)
The Subaru Forester is a favourite with Kiwi drivers who spend time on gravel roads or in rural areas. Subaru’s Symmetrical All-Wheel Drive delivers excellent grip in all conditions.
Why it is a great choice:
- Full time AWD for NZ weather and road conditions
- Great ground clearance for rougher roads
- Good visibility from the high driving position
- Practical and robust interior
Typical price range: Around $13,000 – $19,000.
Best for: Rural drivers, outdoor enthusiasts, and families who enjoy camping or ski trips.
6. Mitsubishi Outlander (Approx. 2012–2014)
The Mitsubishi Outlander is a very versatile SUV, and many models offer seven seats. It is a great option for larger families who need extra room but want to keep things under $20,000.
Why it is a great choice:
- Available as both 5 and 7 seat versions
- Low servicing and maintenance costs
- Comfortable and quiet to drive
- Good value for money in the NZ market
Typical price range: Around $13,500 – $19,500.
Best for: Larger families needing extra seats and a practical daily SUV.
7. Toyota Vanguard (Toyota Kluger Overseas Model)
The Toyota Vanguard is closely related to the Toyota Kluger/Highlander sold in other markets. It offers a more premium feel with strong V6 performance and typical Toyota reliability.
Why it is a great choice:
- Smooth and powerful V6 engine options
- Generous cabin and boot space
- Strong Toyota reliability and longevity
- Comfortable for long distance driving
Typical price range: Around $14,000 – $20,000.
Best for: Buyers who want extra power and comfort while still staying under $20,000.
Which SUV Under $20,000 Is Best for You?
If you are trying to decide between these popular models, here is a quick guide:
- Best long term reliability: Toyota RAV4
- Most modern driving feel: Mazda CX-5
- Most interior space: Honda CR-V
- Best for rural and gravel roads: Subaru Forester
- Best 7-seat option: Mitsubishi Outlander (7-seat versions)
- Best balance of value and comfort: Nissan X-Trail
- Best V6 power and comfort: Toyota Vanguard
The right SUV depends on how many people you carry, how far you drive each week, and whether you spend more time in town, on the open road, or on gravel. If you are not sure which SUV suits your lifestyle best, our team is happy to help you compare options.
Browse Our Latest SUVs at Dave Allen Motors
Our stock changes daily, and many of the SUVs listed in this guide regularly appear on our yard. You can browse all current SUVs and family vehicles online:
View all used cars and SUVs at Dave Allen Motors
If you already know the type of SUV you want, you can also talk to us about finance options to keep things simple and affordable.
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With 625+ Google 5-Star Reviews and customers from across Hamilton, Waikato, and the rest of New Zealand, we are committed to making your next SUV purchase as easy and stress-free as possible.
FAQs About SUVs Under $20,000 in NZ
What is the most reliable SUV under $20,000 in NZ?
The Toyota RAV4 is widely regarded as one of the most reliable SUVs under $20,000 in New Zealand. It has a simple, proven engine, strong build quality, and excellent parts availability, which keeps servicing and ownership costs low over the long term.
Is it better to buy a hybrid SUV under $20,000?
Hybrid SUVs can reduce fuel costs, but many sit above the $20,000 mark. If your budget allows, models such as the Mitsubishi Outlander PHEV or Toyota Harrier Hybrid are worth considering. If you need to stay under $20,000, a well chosen petrol SUV with good fuel economy is still a very smart and cost effective option.
What mileage is acceptable for a used SUV in New Zealand?
For SUVs that are 8 to 12 years old, mileage between 60,000 km and 120,000 km is common in New Zealand. Focus on vehicles with a strong service history, good inspection reports, and no major accident damage, rather than only looking at the odometer reading.
Do SUVs cost more to insure in New Zealand?
In many cases, SUVs do cost slightly more to insure than very small cars, but the difference is not always large. Insurance costs depend on the driver, vehicle value, safety rating, and how and where you drive. Many of the SUVs listed in this guide still attract competitive premiums when insured correctly.