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Insurance is a notable expense linked to car ownership, particularly for new or young drivers who are deemed statistically riskier. The amount you pay for your car insurance is influenced by two primary factors: your driving history and the cost and performance of your car.
When deciding whether to insure you, insurers consider factors such as your age, the duration you have held a driving licence, and any penalty points or convictions on your record. These elements are critical in determining your insurance premium.
Cars are categorised into insurance groups, which range from one to 50, primarily based on their cost.
Cars that are more affordable and fall into lower insurance groups generally have lower insurance costs. In contrast, luxury models in or near group 50 tend to have some of the highest insurance rates.
Our list focuses on cars in lower insurance groups, which are likely to attract the most economical premiums.
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Top 15 Cheap Insurance Cars
- Volkswagen Polo
- Hyundai i10
- Volkswagen Up
- Kia Picanto
- Dacia Sandero
- Seat Ibiza
- Renault Clio
- Skoda Fabia
- Kia Rio
- Toyota Aygo X
- Nissan Micra
- MG 3
- Fiat Panda
- Seat Arona
- Renault Captur
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1. Volkswagen Polo SE 1.0
Insurance Group: 1
The Volkswagen Polo is known for its comfort, classiness, and a cabin brimming with soft, carefully selected materials that contribute to a feeling akin to larger cars. Every Polo model is equipped with a touchscreen-based infotainment system.
Polo models that fall into the low insurance category are those equipped with a 1.0-litre petrol engine. This engine is suitable for city driving; however, for those frequently travelling on motorways or faster A roads, it might be wise to consider a model with a larger engine, despite the higher cost.
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2. Hyundai i10 1.0 Advance
Insurance Group: 2
The Hyundai i10 stands out as a thoughtfully designed hatchback, generously equipped with standard features like air-conditioning and electric windows, even in the basic SE model. Additionally, a touchscreen infotainment system is available in versions of the i10 that boast relatively modest trim levels.
The cabin offers just enough room to comfortably accommodate four adults, and the boot is spacious enough for a typical supermarket shop. Its compact size and effortless controls make the i10 exceptionally suitable for urban environments, simplifying tasks like parking.
However, the 67hp engine requires some effort to keep pace with faster traffic, a characteristic that places these models in the lowest insurance group.
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3. Volkswagen Up Take Up 1.0 60PS
Insurance Group: 2
The Volkswagen Up may be showing its age, but like a seasoned sports star still excelling in their field, this car continues to deliver substantial value. At first glance, the interior appears straightforward, but upon closer inspection, it reveals a wealth of standard equipment, including DAB radio, Bluetooth, and air-conditioning.
Thanks to its intelligent use of space, or clever packaging, the Up offers more interior room than one might expect. Moreover, as a Volkswagen product, the quality of the interior is notably high for a car in its price range.
The 60hp engine, which positions the Up in the group 2 insurance category, does require some effort to maintain pace with other traffic.
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4. Kia Picanto 1.0 2
Insurance Group: 3
The Kia Picanto stands out as an excellent option for those in search of a reliable city car, distinguished by its funky styling and a comprehensive array of standard equipment.
Opting for a model above the entry-level will grant you features such as alloy wheels, Bluetooth, and air conditioning. Choosing a higher trim level also adds an easy-to-use touchscreen infotainment system to your Picanto.
The 1.0-litre engine is quite adequate for city driving, although it might struggle to keep up at motorway speeds, leading to some noise in the cabin.
There are variants available with a more powerful 100hp turbocharged engine, but these models attract higher insurance costs. Additionally, all Kia models come with a seven-year warranty, providing considerable reassurance to owners.
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5. Dacia Sandero 1.0 SCe Essential
Insurance Group: 4
The Dacia Sandero holds the title of the most affordable new car on the market, clearly demonstrating that a low price does not equate to low quality.
The car comes with a satisfactory level of standard equipment, such as Bluetooth and air conditioning. Additionally, there is an option to include a touchscreen infotainment system.
Dacia has discontinued the basic Sandero Access model, but the cost-effective Essential variant remains in the insurance group 4, maintaining its appeal as an economical choice.
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6. Seat Ibiza SE Design 1.0 MPI
Insurance Group: 3
The Seat Ibiza offers ample space to comfortably accommodate four adults and features a practical 355-litre boot. Its stylish exterior adds to the car’s desirability, complemented by a fun-to-drive nature.
Standard features across all models include a colour touchscreen-based infotainment system, alloy wheels, and a leather steering wheel.
The 1.0-litre MPi engine in this model generates a modest 80hp. In contrast, the more advanced turbocharged 100hp 1.0-litre engine (referred to as TSI) comes with a higher insurance cost.
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7. Renault Clio 1.0 SCe 65 Play
Insurance Group: 3
Experiencing the Renault Clio‘s interior might make it hard to believe that it falls into insurance group 3.
The dashboard design is both smart and minimalist, with materials that exude a classy and well-constructed feel. The front of the car offers ample space, ensuring a comfortable experience.
However, taller passengers may find the rear seating less accommodating due to the limited space available.
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8. Skoda Fabia 1.0 MPI 80 SE Comfort
Insurance Group: 4
The Skoda Fabia is a testament to value for money and stands as a solid alternative to the Volkswagen Polo. Sharing the same Volkswagen Group underpinnings, the Fabia offers similar equipment and engines as the Polo but at a more affordable price.
Its interior is comfortable, though it may not match the Polo in terms of build quality, and offers a pleasant travelling experience.
The basic 80hp 1.0-litre MPI engine, which falls into insurance group 4, can feel somewhat sluggish. For those who frequently drive on motorways, opting for a variant with the more modern and powerful TSI engine is advisable, although this will place the Fabia in a higher insurance group.
Regardless of the chosen model, all versions are economical, ensuring that they are cost-effective over the long term.
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9. Kia Rio 1.2 DPi 1
Insurance Group: 4
The Kia Rio combines style and affordability, and its cabin gives the impression of a vehicle from a higher price bracket.
The car boasts generous equipment levels throughout its range, with features like Bluetooth and air conditioning available in all models. Additionally, mid-spec variants and higher are equipped with a touchscreen infotainment system as a standard inclusion.
As with many cars on this list, opting for the basic engine model is the key to securing lower insurance costs. In the Rio’s case, this is the 84hp 1.2-litre engine.
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10. Toyota Aygo X 1.0 VVT-i Edge
Insurance Group: 6
Launched in 2022, the SUV-style Toyota Aygo X has taken over from the regular Aygo supermini, offering affordable insurance in the process.
Models in the Pure or Edge trims fall within insurance group 6, whereas the Exclusive trim, which is higher in specification, sits in group 7. Featuring light steering and a raised ride height, the Aygo X excels as an urban vehicle.
Its rugged appearance provides an added element of visual appeal, distinguishing it from more traditional city cars.
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11. Nissan Micra 1.0 IG-T 92 Acenta 5dr CVT
Insurance Group: 5
The Nissan Micra variant previously featured in insurance group 1 is no longer in production. However, the 92hp 1.0-litre Acenta model with the CVT automatic gearbox is part of an affordable insurance group 4.
This classification increases to group 8 for the version with the manual gearbox. The Micra continues to impress with its style, comfort, and ease of driving. It’s also noted for being fuel-efficient and inexpensive to service.
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12. MG3 1.5 VTi-TECH 3 Time
Insurance Group: 4
While the MG3 might not top the charts in style, it stands out for its spacious interior, affordability in both purchase and running costs, and engaging handling.
Opting for either the Explore or Excite models, which are available with a single 1.5-litre petrol engine, also places you in the favourable insurance group 7.
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13. Fiat Panda 1.2 Pop
Insurance Group: 3
Although the Fiat Panda might lack the immediate charm of the Fiat 500, it is nonetheless a car with its own distinct character and offers greater practicality than its more design-focused relative.
The Life trim, equipped with a 70hp 1.0-litre petrol engine, is expected to be economical in terms of insurance, thanks to its placement in insurance group 7. Additionally, this model maintains the tradition of small Fiats by offering low running costs to its owners.
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14. Seat Arona 1.0 TSI SE
Insurance Group: 8
The Seat Arona distinguishes itself from many small SUV competitors with its stylish interior. However, it’s worth mentioning that some interior materials may feel somewhat less premium in certain areas.
The car comes equipped with an 8.25” infotainment system as standard. For those seeking an upgrade, higher variants offer an enhanced 9.2” system. All trim levels feature the 1.0 TSI petrol engine, with the higher-spec FR and FR Sport variants also offering a 1.5 TSI engine option.
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15. Renault Captur 1.0 TCE 90 Play
Insurance Group: 7
The Renault Captur stands out with a more stylish appearance compared to some of its more traditionally designed rivals. Its interior boasts a neat infotainment system, enhanced with a slicker design and upgraded materials.
The base Evolution trim comes with a 7.0” portrait-orientated infotainment system, complete with built-in sat nav. Standard features across the range include Apple CarPlay, Android Auto, DAB radio, and Bluetooth. Additionally, higher trims are equipped with a larger 9.3” portrait touchscreen.
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How to Get Cheaper Car Insurance?
When looking for a car, it’s essential to check the insurance group of any vehicle you’re considering. The model of your car plays a significant role in determining your insurance premiums.
To keep these costs down, opt for a smaller car that falls within a lower insurance group. This choice can lead to substantial savings on your insurance bills.
It’s wise to compare car insurance quotes for the three main types of car insurance:
You can do this efficiently on a comparison website or through an insurance broker. This step will help you find the most suitable and cost-effective cover for your needs.
Lowering the number of miles you travel annually can decrease your risk of being involved in a collision.
This is why insurance providers consider your annual mileage when determining the cost of your insurance premium. Driving less often can lead to more affordable insurance rates.
By not making any claims on your car insurance, you become eligible for a no-claims discount (NCD) upon renewing your policy. Accumulating a substantial NCD over several years can lead to significant savings in the long run.
This reward system encourages safer driving and can greatly reduce your insurance costs over time.
Telematics, also known as black box insurance, can lead to lower premiums. This is because the insurer can monitor your driving habits through a small device fitted in your car or an app on your smartphone.
Demonstrating that you are a safe driver through this technology can qualify you for a discounted premium. This approach to insurance is particularly beneficial for those who can prove their responsible driving habits.
For those who drive occasionally, pay-as-you-go (PAYG) insurance could be the ideal choice. These types of policies tailor your premiums based on the amount of time or the number of miles you drive.
This flexible approach ensures that you only pay for the cover you actually use, making it a cost-effective option for infrequent drivers.
Safer drivers typically benefit from lower premiums. However, if you’re caught speeding and receive penalty points on your licence, be prepared for an increase in your insurance costs. Insurers view these points as indicators of higher risk, leading to more expensive premiums.
If it’s financially feasible for you, paying your annual car insurance premium in one lump sum can be more economical.
This approach allows you to avoid the interest that typically accrues on monthly installments, resulting in a lower overall cost. Paying upfront can lead to significant savings on your car insurance.
Choosing to pay a higher voluntary excess – the amount you contribute towards a claim – can reduce the cost of your premium.
It’s important to remember that in the event of a claim, you’ll need to pay both the voluntary and the compulsory excess set by your insurance provider.
This strategy can lower your regular payments, but it does mean a higher out-of-pocket expense if you make a claim.
Enhance your insurance by adding extras like:
These additions can provide valuable extra protection, but it’s important to assess whether they’re worth the additional cost. Tailor your policy to include only the features you truly need, ensuring you’re not overpaying for unnecessary extras.
Before you decide to modify your car, consider the potential costs carefully. Certain modifications might increase your vehicle’s appeal to car thieves, leading to higher insurance premiums.
It’s crucial to balance the desire for customisations with the potential financial implications, including increased insurance costs.
The location where you park your car can significantly affect your insurance premium. Parking on your driveway is generally a good choice.
While a garage offers security, some insurers may consider the risk of damaging your vehicle while driving it in and out, potentially impacting your premium costs.
Choosing a safe and suitable parking spot can help in reducing your insurance expenses.
Installing an approved alarm or immobiliser in your car can help lower your car insurance costs. However, it’s essential to speak directly with your insurance provider to ensure these security enhancements are reflected in your premium.
Effective security measures can significantly reduce the risk of theft, leading to potential savings on your insurance.
Completing an advanced driving course, such as Pass Plus, can not only enhance your confidence on the road but may also lead to a discount on your car insurance.
These courses demonstrate your commitment to safe driving, which insurers often reward with reduced premiums.
As a newly qualified driver, if you share a car with someone who has more driving experience, adding them as a named driver on your insurance policy could reduce your premium costs.
It’s crucial, however, that the person who uses the car most frequently is listed as the main driver. Failing to do so could lead to accusations of ‘fronting‘, a form of insurance fraud.
Being honest about the primary user of the vehicle is essential to avoid legal complications.
Multi-car policies are a popular option offered by many car insurers. If you insure two or more cars under the same policy, you may be eligible for a discount.
Opting for a multi-car policy can often be more cost-effective than insuring each car separately, potentially leading to significant savings. This approach is worth considering for households with multiple vehicles.
Your occupation can significantly impact your car insurance costs, as insurance providers often associate certain jobs with higher risks.
When stating your job title for insurance purposes, you might find that some descriptions lead to a cheaper premium.
However, it’s crucial that the title you choose accurately reflects your profession. Providing misleading information can invalidate your insurance or, in severe cases, result in prosecution for insurance fraud.
Honesty in describing your occupation is key to avoiding legal issues.
Due to legal regulations, insurance providers are not permitted to offer existing customers a higher premium for renewing their car insurance than they would to new customers.
Nonetheless, it’s always advisable to compare car insurance quotes from different providers before auto-renewing.
This comparison can help ensure that you’re getting the most cost-effective deal available, rather than automatically continuing with your current policy.
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