Cheapest cars for young drivers to insure revealed

What makes a car cheap to insure?

Every car falls into one of 50 insurance groups, ranked 1 to 50. The higher the insurance group, the more expensive the car.

When cars are grouped into insurance categories, the following factors are considered:

• Price: Cheaper cars tend to fall into lower insurance groups as they generally cost less to replace and repair.
• The costs of repairs: Cars that are easy and inexpensive to repair will fall into lower insurance groups. The costs of 23 common replacement parts are also considered.
• Safety and security: If a car is fitted with ample safety tech, it will generally be cheaper to insure.
• Power and performance: As a rule, cars that reach top speeds and accelerations generally have higher premiums.
• Age: Older cars aren’t as equipped with safety tech, making them more expensive to insure. But on the other hand, they’re often worth less than modern cars, which can help to bring their premiums down.

To summarise, cars that are more expensive, powerful and difficult to repair generally cost more to insure. You’ll want to look for cars with small engines and affordable parts to keep your premium down.

What’s the perfect car for a young driver?

There’s no better feeling than driving your first car around. But, you’ll want to make sure what you’re driving is safe, easy to drive and cheap to insure.

If you’re a new and/or young driver looking to keep costs down, it’s worth considering the following:

• Buying a used car: Second-hand vehicles are a great way to save money on the initial price tag.
• Active safety features: Cars fitted with things like electronic stability control (ESC) and anti-lock brakes will fall into lower insurance groups.
• Black-box insurance: These policies use technology to track and record your driver behaviour and may help to lower your premium.
• Car power and performance: While larger, diesel engines pack a punch, they’ll push your premium high.
• Adding extra drivers: Listing an experienced named driver to your plan can help to bring your premium down.
• Electric cars: Although eco vehicles can be expensive to buy, they are generally more affordable to run and insure.

Top 10 cheapest cars to insure for young drivers

Now that you know more about what makes a car cheap to insure, it’s time to explore the cheapest cars to insure for young drivers. We’ve rounded up the top 10 and calculated the average annual premiums based on a 20-year-old driver.

Read on to find out our pick of the cheapest cars to buy and insure for young drivers.

Now that you have a better idea about the cheapest cars to buy and insure for young drivers, getting yourself on the road needn’t break the bank. Remember that you’ll save money by buying a used car with in-built safety features, opting in for black-box policies and adding additional named drivers to your policy.

Whether you’re looking for the cheapest automatic cars to insure for young drivers or entry-level cars that are fun to drive, we’re here to help. Find cars that are cheap to insure here.