Cheapest cars to insure

Compare cheap car insurance

✔ Compare cheap car insurance quotes
✔ Over 110 insurance providers
✔ Get a quote in minutes
✔ Save up to £334*

The cheapest cars to insure in 2023

Are you curious about the most affordable cars to insure? Have you ever wondered which cars are the cheapest for younger drivers or drivers over 50? Find out here.

When searching for car insurance, it’s important to factor in the type of car you drive. However, determining which cars are the cheapest to insure can be challenging. While it’s commonly believed that insurance is less expensive for cheaper and more robust cars, this isn’t always the case based on your age and driving record.

At Comparoo, we assist thousands of drivers in getting their insurance each year and have gained extensive knowledge about the cost of insuring various makes and models. Whether you’re an experienced driver or a new driver just starting with your first car, we can provide you with the information you need on which cars can get cheap insurance and which ones may cost more than expected.

What are the cheapest cars to insure?

Based on the latest data available, here is a list of the cheapest cars to insure in the UK in 2023, in no particular order:

Volkswagen Polo
Hyundai i10
Volkswagen Up
Kia Picanto
Dacia Sandero
Ford Fiesta
Seat Ibiza
Renault Clio
Skoda Fabia
Kia Rio
Toyota Aygo X
Nissan Micra
Fiat 500
MG3
Fiat Panda

It’s worth noting that insurance costs can vary depending on a number of factors, including age, location, driving history, and coverage level, so it’s important to compare cheap car insurance quotes from Comparoo to get an accurate idea of how much insurance will cost for a specific car and driver.

Volkswagen UP

Why are some cars more expensive to insure?

Every car registered in the UK is assigned an insurance group, which determines how much it will cost to insure. The lower the group, the cheaper the insurance will be. Some of the factors that affect a car’s grouping include:

The car’s value: More expensive vehicles will cost more to replace in the event of a total write-off, making them more expensive to insure.
The cost of repairing damage: Cars that are more costly to repair will be placed in a higher insurance group.
The cost of common replacement parts: Cars that require more expensive parts will be placed in a higher group.
The time it takes to repair: If a car takes longer to repair, it will be placed in a higher group.
The car’s performance: Faster cars with higher top speeds and acceleration rates tend to be placed in higher insurance groups.
The car’s safety and security features: Cars with better safety and security features may be placed in lower insurance groups.

While insurance groupings are a major factor in determining the cost of car insurance, they are not the only factor. Other factors that can influence the cost of car insurance include a driver’s age, driving history, and location.

Additionally, a car’s age, value, and any modifications can also affect its insurance costs. To find out which insurance group your car falls into, you can use the Motor Insurance Bureau (MIB) car insurance group checker tool.

What are car insurance groups?

Car insurance groups are a way of categorising cars based on their risk level for insurance providers in the UK. The groups are numbered from 1 to 50, with cars in Group 1 considered the least risky and those in Group 50 considered the riskiest.

The insurance group of a car is one of the key factors used by insurers to determine the cost of car insurance.

The Association of British Insurers (ABI) is responsible for assigning a car to a particular insurance group. The ABI uses a number of factors to determine a car’s group, including its performance, safety features, security, and repair costs. In general, cars with high performance, expensive repair costs, and a lack of safety features are placed in higher insurance groups.

Cars in Group 1 are typically small and cheap to insure, while those in Group 50 are often high-performance sports cars with high insurance premiums. For example, a car such as the Volkswagen Up! would likely be placed in Group 1, while a car like the Audi R8 would be in Group 50.

The insurance group of a car is an important factor to consider when purchasing a car. A car in a higher insurance group will typically cost more to insure than a car in a lower group. This is because higher insurance groups indicate a higher risk of accidents or theft, which means higher claims costs for the insurer.

The cost of car insurance can also vary depending on the driver’s age, driving history, and location, among other factors. However, choosing a car in a lower insurance group can help to reduce the cost of car insurance, particularly for young or inexperienced drivers who may face higher insurance premiums.

What are the cheapest cars to insure for young drivers 2023?

In the UK, car insurance for young drivers can be quite expensive due to their inexperience on the road and higher risk of accidents. However, certain cars are generally cheaper to insure for young drivers compared to others. Based on the list provided, here are some of the cheapest cars to insure for young drivers:

Ford Fiesta
SEAT Ibiza
Vauxhall Corsa
Skoda Fabia
Dacia Sandero
Fiat Panda
Toyota Yaris
Hyundai i10
SEAT Mii

Related: Kia car insurance

These cars are generally cheaper to insure for young drivers because they have smaller engines, which means they are less powerful and have lower top speeds. As a result, they are seen as less risky to insure as they are less likely to be involved in accidents or damage other vehicles. They also tend to have lower repair costs, making them cheaper to fix in case of an accident.

Apart from choosing the right car, there are some other tips that young drivers can use to get cheaper car insurance:

Build up your no-claims bonus by driving safely and not making any claims on your insurance policy. This can help reduce your premiums over time.
Consider adding an experienced driver, such as a parent or guardian, to your policy as a named driver. This can help bring down the cost of your insurance.
Consider a black box policy, also known as telematics insurance. This involves installing a device in your car that monitors your driving habits, such as speed and braking. If you drive safely, you can receive discounts on your insurance premiums.
Pay annually instead of monthly, as this can often work out cheaper in the long run.

Shop around and compare quotes from multiple insurers using comparison websites like Comparoo to find the best deal for young driver car insurance.

What are the cheapest cars to insure for drivers over 50 in 2023?

As an older driver, you can expect your car insurance premiums to be significantly lower than those for younger drivers. This is because insurers typically consider older drivers to be more experienced and responsible behind the wheel. As a result, they are seen as lower-risk drivers and tend to receive cheaper insurance rates.

While smaller cars tend to be cheaper to insure for older drivers, there are some surprising exceptions. The Mazda MX-5, for example, is often considered the cheapest car to insure for drivers over 50, despite being a sports car with up to 182 bhp. This is because the MX-5 has a good safety record, with features such as stability control, traction control, and multiple airbags. It is also a popular car among older drivers, who tend to drive it more responsibly than younger drivers.

Other cars that are cheap to insure for drivers over 50 include smaller cars like the Fiat 500 and the Ford Ka. These cars have small engines and are easy to manoeuvre, making them a safe choice for older drivers. They also tend to have low repair costs, which can help keep insurance premiums down.

In addition to choosing the right car, there are other ways that older drivers can save money on their car insurance. For example, some insurers offer discounts to drivers who have completed advanced driving courses, such as those offered by the Institute of Advanced Motorists (IAM) or the Royal Society for the Prevention of Accidents (RoSPA). Older drivers can also benefit from increasing their voluntary excess, which is the amount of money they agree to pay towards making a claim. By choosing a higher excess, drivers can lower their insurance premiums, although they should ensure that they can afford to pay the excess if they need to make a claim.

Overall, there are many ways that older drivers can save money on their car insurance premiums, including:

Choosing the right car
Completing advanced driving courses
Increasing their voluntary excess

By taking these steps, older drivers can enjoy cheap car insurance without compromising on coverage or protection.

How can I get cheaper car insurance?

Getting cheaper car insurance can be a priority for many drivers, regardless of their age or car make and model. In addition to choosing a car that is cheaper to insure, there are other steps you can take to lower your insurance premiums:

Improve your security: Parking your car in a garage or on a driveway can make it less likely to be stolen or damaged, which can lower your insurance premiums. Installing an alarm, immobiliser, or other security devices can also make your car less of a risk to insure.
Limit your claims: If you have the funds, consider paying for minor repairs yourself rather than making a claim on your insurance. This can help you avoid losing your no-claims bonus and being seen as a higher risk by your insurer.
Use a black box: If you are a younger driver, telematics insurance can be a great way to keep your costs down. By installing a black box in your car, your insurer can monitor your driving habits and offer discounts for safe driving.
Pay annually: If you can afford to pay for your car insurance in one lump sum, it may be cheaper than paying monthly installments. This is because many insurers charge interest or admin fees for monthly payments.

To compare car insurance policies and find the best deal for your needs and budget, you can use online comparison tools like Comparoo.

Comparoo compares over 110 insurance providers, so you can find a policy that meets your requirements and budget.

By comparing quotes from different providers, you can easily see which insurers offer the most competitive rates and the best coverage. This can save you time, money, and stress when shopping for car insurance.

Compare the cheapest car insurance

Comparoo is a comparison website that allows you to compare the cheapest car insurance quotes from over 110 providers. By using Comparoo, you can find the cheapest car insurance policy that suits your needs. With just a few clicks, you can compare policies from different providers and find the best deal.

Comparoo allows you to compare policies based on different factors such as coverage, excess, and discounts. This means that you can find a policy that fits your budget and your coverage needs.

On average, Comparoo customers can save up to £334* by comparing car insurance quotes. This is a significant saving that can help you to lower your car insurance costs and keep more money in your pocket.

If you’re looking for cheap car insurance, Comparoo is a great resource to help you find the best deal. With over 110 providers to choose from, you’re sure to find a policy that fits your needs and budget.

Frequently asked questions

Which car brand has the cheapest insurance in UK?

Below is a list of 15 cars that are the cheapest to insure:

Volkswagen Polo
Hyundai i10
Volkswagen Up
Kia Picanto
Dacia Sandero
Ford Fiesta
Seat Ibiza
Renault Clio
Skoda Fabia
Kia Rio
Toyota Aygo X
Nissan Micra
Fiat 500
MG3
Fiat Panda

Are less expensive cars cheaper to insure?

Cheaper cars, which are often used cars, can generally be cheaper to insure than new and more expensive vehicles.

This is due to the fact that they are perceived as less valuable and therefore may cost less to repair or replace in the event of an accident.

However, the cost of insurance is not solely based on the value of the car. Other factors such as your personal driving history and the type of coverage you opt for will also impact the cost of your insurance premium.

What car is lowest insurance group in UK?

In the UK, car insurance groups range from 1 to 50, with vehicles in group 1 being the cheapest to insure and those in group 50 costing the most.

Insurers take into account a car’s insurance group when calculating the cost of its insurance premium, making it a crucial factor to consider when selecting a vehicle.

Are new or older cars cheaper to insure?

Generally speaking, older cars are cheaper to insure. This is because a vehicle’s value tends to decrease over time, which in turn can lower the amount an insurer would need to pay out in the event of an accident.

How to choose a car for low insurance?

To select a car that is likely to have lower insurance costs, consider opting for a reliable and inexpensive model. Avoid high-performance vehicles, as these can increase your insurance premium.

Instead, look for smaller, used cars with engines that are 1.0 litre or smaller, as these tend to be cheaper to insure than larger engines.

What insurance group should a first car be?

If you’re a first-time car owner, it’s best to choose a car in insurance group 1. These cars are the least expensive to insure and buy, making them perfect for younger drivers.

They also have smaller engines, which means they use less fuel, and are generally very safe and secure.

What age does insurance go down UK?

In the UK, car insurance prices may start to go down when you reach 25 years old. From that age onwards, and up to your 50s, you can expect the cost of insurance to gradually decrease.

People between the ages of 50 and 60 tend to benefit from the lowest rates.

How to get cheap car insurance UK?

To get cheap car insurance in the UK, follow the below steps to get the cheapest car insurance premium: