Even though it’s still chilly outside, the spring car-buying season is warming up fast, and if you’re currently looking for the best midsize SUV under $45,000, then this is exactly where you need to be. The midsize SUV market is crowded with a wide variety of choices, but we’ve made your decision easier by extensively testing and comparing them across ten important categories that matter to real-world buyers. These aren’t just random rankings—they’re structured based on serious criteria including powertrain, comfort, tech, value, and more.
From on-road comfort to off-road ability, from luxury feel to resale value, we tested these vehicles in real driving situations. The goal? To rank the Top midsize SUVs under $45,000 objectively and fairly, while also sharing our personal preferences at the end.
10 Key Categories Used to Rank the Best Midsize SUVs
Before jumping into our rankings, here are the ten exact categories used to compare all vehicles fairly:
- Luxury Features
- Powertrain Choices
- Driving Experience
- Off-Road Capability
- Cargo Space
- Rear Seat Comfort
- Technology
- Active Safety Features
- Reliability
- Overall Value Under $45,000
Each SUV earned a score between 1 and 5 in each category (half points allowed), and with 14 total models tested, we now bring you the top 10 picks in the midsize SUV segment.
Top 10 Best Midsize SUVs Under $45,000
Here’s a comparison table showing how the top 10 midsize SUVs scored overall based on the key metrics.
| Rank | Model | Total Score | Strengths | Weaknesses |
|---|---|---|---|---|
| 1 | Hyundai Santa Fe | 40.5 | Luxury, Tech, Rear Seats, Cargo Space | Resale, Reliability |
| 2 | Kia Sorento | 40.5 | Powertrain Variety, Features, Tech, Value | Not a true off-roader |
| 3 | Toyota 4Runner | 36.5 | Off-road, Cargo Space, Reliability | Value for Price |
| 4 | Jeep Grand Cherokee | 36.5 | Off-road, Luxury, Tech, Safety | Reliability, Pricing |
| 5 | Mazda CX-70 | 35.5 | Drive Quality, Powertrain, Safety | Reliability, Off-Road Limitations |
| 6 | Toyota Crown Signia | 34.5 | Drive Comfort, Luxury Feel, Safety | No Off-Road Capability |
| 7 | Subaru Outback | 33.5 | Value, Versatility, Reliability | Average Tech, Powertrain |
| 8 | Toyota Land Cruiser | 33.0 | Off-road Legend, Reliability, Size | Price Over $45K – Scored Zero |
| 9 | Volkswagen Atlas Cross | 32.5 | Rear Seats, Tech, Cabin Features | Resale, Off-Road, Reliability |
| 10 | Nissan Murano | 31.0 | Luxury Cabin, Tech, Value | Weak Powertrain, Less Popular Model |
Hyundai Santa Fe: The New Champion of Midsize SUVs
Taking the number one spot on our list of the best midsize SUV under $45,000 is the all-new Hyundai Santa Fe, scoring a stellar 40.5 points. What sets it apart is its near-luxury interior filled with top-tier features rarely found in this price range. You’ll find reclining second-row seats, suede headliners, and even UV sterilization trays. It also shines in technology with a fast, intuitive infotainment system and a head-up display that feels more premium than its rivals. Comfort is next-level here, and rear passenger space is generous. Even the cargo area is impressively sized. Its only drawback is long-term reliability and resale, which brings down its otherwise near-perfect score.
Kia Sorento: Feature-Rich and High Value Second Place
Sharing the top score with the Santa Fe is the Kia Sorento, which earns high marks in almost every category. What makes it one of the best midsize SUVs under $45,000 is its unmatched combination of powertrain options—offering four choices including a hybrid and plug-in hybrid. This SUV also packs serious tech and safety features, from advanced driver aids to a smooth infotainment system. The X-Pro trim even adds modest off-road capability. Where the Sorento really shines is value; it delivers big features for a surprisingly low price. If you want variety, modern tech, and plenty of space, the Sorento is a smart pick.
Toyota 4Runner: Rugged Appeal with Trusted Reliability
The redesigned Toyota 4Runner lands in third place, matching the Grand Cherokee in total score. This one is for the adventure-seekers who also want reliability and long-lasting resale value. The hybrid powertrain adds decent fuel economy, and the interior has a bold, masculine presence. Where it dominates is off-road capability and cargo space, both scoring a perfect 5. But here’s the tradeoff: value. The new 4Runner is not cheap, and staying under $45,000 may require sticking to lower trims. However, if you’re ready to pay a bit more for serious off-road muscle with Toyota’s bulletproof reliability, this SUV stands tall.
Mazda CX-70: A Driver’s SUV With Style
The Mazda CX-70 is all about premium feel and smooth performance. It’s essentially a two-row version of the CX-90, and that means it inherits that model’s luxury-grade interior and top-notch driving dynamics. This is the best midsize SUV under $45,000 for driving enthusiasts who still want comfort and refinement. Its powerful inline-six hybrid engine feels lively, and the ride is tight without being stiff. The downside is average resale and a lack of serious off-road chops—but if road feel, handling, and design are your priorities, this Mazda is hard to beat.
Jeep Grand Cherokee: Balance of Rugged and Refined
The Jeep Grand Cherokee is a balanced SUV that merges serious off-road strength with refined interior luxury. With powertrain options like plug-in hybrids and standard gasoline engines, it covers a lot of ground. The ride is smooth and tech-forward, and you still get that rugged Jeep identity. High points include luxury, off-road performance, and safety tech. However, compared to other brands, Jeep lags behind in resale value and reliability. Still, if you want an SUV that’s equally at home on the highway and in the woods, the Grand Cherokee is a dependable choice.
Toyota Crown Signia, Subaru Outback, and Others
Toyota makes a third appearance in the top ten with the Crown Signia, an urban-focused SUV that delivers Lexus-like refinement at a more approachable price. Subaru’s Outback continues its tradition of practical value and solid all-around performance, especially with its off-road-capable trims. The Volkswagen Atlas Crossport and Nissan Murano round out the list, delivering strong luxury features but falling behind in categories like resale or off-road capability.
Our Personal Picks: What We’d Put in Our Driveway
After spending time with all these models, our picks vary based on what we value most. If driving experience and luxury are at the top of your list, the Mazda CX-70 is a strong candidate. But if you want rugged styling, off-road power, and Toyota’s trusted reputation, the all-new Toyota 4Runner is a solid long-term investment—especially in its hybrid form.
Final Thoughts: Which SUV Is Right for You?
Choosing the best midsize SUV under $45,000 depends on your lifestyle and the categories that matter most. Whether you prioritize value, off-road performance, tech features, or resale reliability, there’s an option in this list to match your needs. The Hyundai Santa Fe and Kia Sorento are ideal for feature lovers. The 4Runner and Grand Cherokee speak to those who go off the beaten path. And the Mazda CX-70 is perfect for drivers who love the road.
Don’t forget to check official brand sites or trusted auto portals for dealer quotes and exact trims that fall under the $45K limit. This spring, take your time, test drive a few favorites, and drive off with the midsize SUV that truly suits your world.
