Cheapest Cars to Insure
The type of car you drive plays a big part in the cost of your insurance, so it helps to know which models are amongst the cheapest to insure in the UK.
How is the price of my car insurance calculated?
There are many factors involved in calculating the cost of your car insurance. Insurers will look at your age, driving history, any no claims discount you’ve accrued, as well as where you live.
Where you park your car – on the road vs. in a garage – and whether or not you have things like a black box fitted, will also play a part.
But one of the biggest factors is the type of car you drive. New cars are often more expensive to insure compared to used cars, as they’re more valuable. They also bring with them potentially higher costs for repairs and part replacements. However, newer cars also tend to have better security features so carry a lower risk of being stolen. Better safety features also reduce the possibility of accidents.
How does the insurance group of my vehicle affect insurance premiums?
Every model of car is placed into an insurance group, from one to 50. Cars in the lower insurance groups are generally cheaper to insure, with those in the higher groups more expensive to insure.
Discover more about car insurance groups and what they mean for car insurance.
Does engine size affect car insurance?
In most cases, the bigger the car engine the more expensive the car insurance. Cars with more powerful engines are seen by insurers as a higher risk to insure as they are more likely to be involved in accidents. High-powered engines will also likely be more expensive to repair.
If you drive a smaller car with a smaller engine, it will typically be cheaper to insure.
What cars are usually the cheapest to insure?
These are some of the cheapest cars to insure in the UK. *
1. Hyundai i10
With a range of models in Group 1, this small city car is a practical hatchback with a smart design and much in the way of modern tech. It has some of the lowest car insurance premiums around too.
2. Fiat Panda
Included as a Group 1 car, you might pay lower insurance premiums on the Fiat Panda.
3. Kia Picanto
Often found in the lower car insurance groups, the Kia Picanto is a small and agile city car with some great onboard tech, too.
4. Vauxhall Corsa
The Vauxhall Corsa is regularly featured as a low-insurance car. There are a few models in car insurance group 1 making it a popular choice with younger drivers.
5. Volkswagen Polo
VW Polo has a range of models within group 1.
6. Toyota Aygo X
The Toyota Aygo X is a compact car that makes it popular for city driving and promises lower running costs.
7. Skoda Fabia
The Skoda Fabia has a couple of models in Group 1 and is a fairly cheap car to insure.
8. Citroen C1
Often in the lowest car insurance groups, the Citroen C1 is a compact city car.
9. Ford Fiesta
A car seen on roads up and down the UK for decades, the Ford Fiesta is often in the lower car insurance groups.
10. Dacia Sandero
Owned by Renault, the Dacia Sandero is one of the cheapest new cars to buy in the UK.
11. Nissan Micra
The updated Nissan Micra is a modern-looking hatchback with a couple of models in group 1.
12. Renault Clio
Available as either a petrol car or a hybrid, the Renault Clio usually falls into the category as one of the cheaper cars to insure.
13. Toyota Yaris
The Yaris has been a popular car with younger drivers for decades. It’s now available as a hybrid and offers a cost-effective insurance option.
14. Seat Ibiza
You’re likely to secure lower insurance premiums with a Seat Ibiza.
15. Volkswagen UP!
The VW UP! is a small and compact city car. With lower insurance premiums, it’s usually popular with first-time drivers.
*Sourced from carwow.co.uk and Auto Trader UK October 2024
Cheapest Cars to Insure FAQs
- Which vehicle is usually the cheapest to insure?
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In the UK, typically the cheapest cars to insure are smaller cars with small engines. They are usually in car insurance group 1. According to recent data, the VW Polo is the cheapest car to insure in the UK[1].
[1] https://www.carwow.co.uk/best/cheapest-cars-to-insure-0115
- Are more expensive cars usually cheaper to insure?
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You may find insurance for expensive cars cheaper as they often come with better security and safety features. However, they are also more valuable which can drive up the cost of your car insurance.
- What is the cheapest road tax car?
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According to recent data, some of the cheapest cars for road tax include the Nissan Qashqai, Skoda Fabia, BMW 2 Series and Ford Fiesta[2].
[2] https://www.cinch.co.uk/guides/choosing-a-car/cars-with-low-road-tax
- Which cars are typically the most expensive to insure in the UK?
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Cars in the higher car insurance groups tend to be more expensive to insure. According to recent information from Which? one of the most expensive cars to insure in the UK is the Porche Taycan[3].
[3] https://www.which.co.uk/news/article/the-cheapest-and-most-expensive-cars-to-insure-in-2024-aprLT6a8nlNE
- What is the lowest car insurance group?
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The lowest car insurance group is group 1. Typically, cars within this group are the cheapest to insure.
- Are two-litre cars more expensive to insure?
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Often two-litre cars will be more expensive to insure than one-litre cars. In most cases, the more powerful the engine, the higher the insurance premiums.