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Annual insurance can be one of the biggest motoring costs for car owners, but it doesn’t have to be. If you’re looking to save money or you have a set budget to meet, then our top 10 best vehicles for cheap insurance are well worth a look. Conveniently, these cars also offer low running costs and affordable starting prices, in both the new and used car market.
There are 1-50 car insurance groups that represent the many different vehicles on our roads and the vast range of cars on the market. Group 1 is the lowest and cheapest of insurance categories, with the price bracket rising with the ascending numbers. To get the lowest possible insurance group rating, choose:
When it comes to the best cars for cheap insurance, small city vehicles with frugal engines come to the front. These types of vehicles sit within low insurance groups and, naturally, dominate our list below. However, rest assured the top 10 best cars for cheap insurance offer much more than the extra money you’ll save on a low cost policy. Read on to discover our top picks.
The Volkswagen Polo is a very popular car for many reasons. It has a good sense of style, it has premium German build quality, it has proven itself to be reliable, it has low running costs, and it is great to drive. Inside, the cabin is comfortable and practical and it comes with a tidy 8-inch touchscreen. Additionally, the Polo comes with useful safety tech as standard, such as autonomous emergency breaking (AEB) and automatic headlights. And when it comes to those annual fees, if you opt for one of the low powered 1.0-litre petrol engines on offer, then the VW Polo will also qualify for Group 1 insurance, saving you a fair amount of money long term.
USED PRICES FROM £400
With very affordable starting prices, the Hyundai i10 is one of the best city cars currently on the market. It offers low running costs and excellent miles per gallon (MPG) and, importantly, it is good to drive with agile handling. The small car has a stylish look to it and compact dimensions, yet inside it is comfortable and spacious enough for adults to sit in the rear seats. New models also come with useful safety features such as AEB, lane-keeping assist, and a driver attention alert. If you opt for the premium trim level, you can add a hint of luxury to the proceedings with heated front seats and parking sensors, which’ll make the car an even easier breeze to park. Like the Polo, the Hyundai i10 sits in the Group 1 insurance bracket.
The Ford Fiesta is another hugely popular car that’s worthy of the hype. Consistently a forerunner in its category, the Fiesta leads the pack in numerous ways. Simply put, it is easily one of the most fun cars to drive in its class, it has superb handling, and it comes packed with lots of equipment as standard, like a suave 8-inch touchscreen with Apple CarPlay and Android Auto. It has handy safety kit as well, such as a lane-keeping system, and a host of optional driver assist systems. The Fiesta is also cheap to run and it has a good reliability rating too. When it comes to insurance, if you opt for one of the more frugal engine choices, the Fiesta sits in Group 2.
PRICES FROM £300
Sat in insurance Group 1, the VW Up narrowly misses out on a podium spot, which says more about the competition than Volkswagen’s excellent car. Although if you are reading this list on the sheer basis of cheap insurance, then you can go ahead and swap the Up with the Ford Fiesta as it is cheaper in that department. Like the top three cars mentioned above, the VW Up is a great all-rounder, offering excellent MPG, a fun driving experience, and good reliability. As standard, it comes well-equipped too, with useful tech like a DAB radio, a 5.0-inch colour touchscreen, and air-conditioning. And for those who like to fashion their car to their personal tastes, the Up also comes with a wealth of personalisation options.
PRICES FROM £5,000
Fitted with a whole host of safety equipment, the easy to drive Skoda Fabia is a very safe and practical car that’s great value for money. As standard, it has AEB, stability control, traction control, stop/start engine technology for lower running costs, and Skoda’s fantastic Front Assist braking system – a clever piece of tech that automatically applies the brakes when it senses a low-speed collision. No doubt, such equipment helps the Fabia achieve its low insurance rating by helping the car avoid collisions in the first place. Opt for one of the more frugal engine choices and the Fabia will sit happily in insurance Group 1, and that’s a lot of car for such a low cost premium.
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The Renault Clio sits in the Group 2 insurance bracket, like the Ford Fiesta. It offers low running costs, an enjoyable driving experience with good handling, and a premium cabin, finished with classy materials and a smart dashboard. The all new Clio even manages to compete with the Fiesta, coming packed with lots of standard equipment and safety gear designed to make the driving experience even easier, from AEB, to cruise control, and traffic sign recognition. Whilst it might not be as fun to drive as others on this list, the Clio is a very well-rounded supermini. Despite its compact (and edgy) dimensions, it is more useful and practical than ever, with a class-leading 391-litre boot. It’s also one of the safest superminis on the market too.
PRICES FROM £400
Another car in insurance Group 2, the Seat Ibiza is a well-designed supermini that competes with the likes of the Renault Clio and the Ford Fiesta. It enjoys solid build quality, a stylish exterior, and a lot of car for its insurance bracket. Inside, the cabin is spacious and comfortable, and it easily accommodates four adults, whether for short journeys or longer trips via the motorway. Whilst the interior quality is sadly lacking compared to rivals, the Ibiza gets the most important thing right: it’s quite simply good fun to drive. But that’s not all, it is practical too, with 355 litres of boot space, and it comes fitted with a 6.5-inch touchscreen as standard, including Bluetooth, Apple CarPlay, and Android Auto.
PRICES FROM £3,800
The Nissan Micra takes us back into insurance Group 1, proving to be another car that is cheap to run and easy to drive (like many on this list). However, the Micra is in a very competitive market with very strong rivals, such as the Ford Fiesta, Seat Ibiza, Renault Clio, Skoda Fabia, and Volkswagen Polo. Thankfully, the latest Micra manages to pull out all the stops, offering a massively improved vehicle that keeps apace with the class. It now looks the part, with more stylish looks. It drives the part, with superb handling to rival the Fiesta. And it comes equipped with some excellent standard kit and safety technology, including useful systems like a lane departure warning, lane-keep assist, high-beam assist, and autonomous emergency braking. The Micra has an excellent five-star safety rating as well, and decent levels of practicality, with a 300-litre boot.
PRICES FROM £500
Sharing a platform with the Volkswagen Up and Seat Mii, which is also a good car with cheap insurance, the Skoda Citigo shares many of the same features as its siblings. It is perfect for nipping around town and practical for city use, proving cheap to run and agile to drive. However, to make this list of the best cars for cheap insurance, you’ll have to shop for a used Citigo, as the latest Citigo-E iV is now an all-electric vehicle, which sits in the much higher Group 11 insurance category (much like the Seat Mii Electric). Older models, on the other hand can enjoy Group 1 insurance, along with a comparable driving experience to the VW Up.
PRICES FROM £2,000
Another car that shares a platform, this time with the Peugeot 108 and Toyota Aygo, the Citroen C1 is a car with a lot of personality. It has a lot of personalisation options too, allowing you to shape its personality to your own tastes and style. Like its sister cars, the C1 offers an enjoyable driving experience, with good handling and an economical range of engines, which help provide lower running costs and cheap insurance. If you like the look of this car, then we’d definitely recommend considering the Peugeot 108 and Toyota Aygo as well. The three cars are very similar and it’ll give you more to choose from, with added potential of finding a better deal. Alternatively, you can always pick the one you like the look of best.
PRICES FROM £800
Want to find a car that’s affordable and cheap to insure? we’ve got a huge range of used cars at motors.co.ukSearch used cars