If you’re insuring a family car, you might be interested in a ‘Cheapest family cars to insure UK’ list. After all, raising a family can be expensive and it’s a good idea to save money where possible.

You might also be curious about the most expensive family cars to insure – particularly if you’re interested in things like top speeds, luxurious interiors and impressive technology. While these things can really make a difference to your driving experience, they can also hike up the costs of your insurance.

Well, our guide to the cheapest and most expensive family cars to insure is here to help. We’ve rounded up five of the cheapest and most expensive cars to insure based on an average 50-year-old driver living in an average-priced postcode such as Newcastle (NE1). If you’re living in London, you can expect to pay a little more while those living in a small town can expect to pay a little less.

What influences your car insurance price?

Average annual premiums for a car are influenced by a number of factors. They include:

  • Your age, occupation and address
  • The make and model of your vehicle
  • Where your car is parked at night
  • Your annual mileage
  • Your driving history (including any no claims discount and added named drivers)
  • How much voluntary excess you’re willing to pay

Remember, the Financial Conduct Authority (FCA) regulates general insurance to ensure high standards across the insurance industry.

Cheapest and Most Expensive family cars to insure

Our list of some of the cheapest and most expensive family cars to insure will both inform and surprise you. We’ve included a mix of popular family cars in a range of makes and models, breaking up the list into two categories and listing in no particular order. Here goes.

Cheapest family cars to insure

  1. Hyundai i30
  2. Skoda Kamiq
  3. Volkswagen Golf
  4. Vauxhall Grandland X
  5. Mercedes-Benz A-Class

Most expensive family cars to insure

  1. Tesla Model-X
  2. BMW 2 series
  3. Citroen DS3
  4. Volvo XC90
  5. SEAT Alhambra

Cheapest family cars to insure

1. Hyundai i30

The Hyundai i30 ticks a lot of boxes when it comes to family cars. It’s easy to drive, features lots of safety equipment and its 602-litre boot extends to 1650 litres with the rear seats folded. As well as being cheap to insure, the 1.6-litre turbodiesel is also fuel-efficient offering 74mpg.

Best Features

Average car insurance cost: £475

Insurance Group: 6

  • Spacious boot space
  • Easy to drive
  • Ample safety technology

2. Skoda Kamiq

Not only is the Skoda Kamiq an attractive family car with its compact SUV crossover design, but its insurance costs are also low. While lacking in boot capacity at 400 litres, it offers plenty of space for passengers and to drive, it feels solid and practical.

Best Features

Average car insurance cost: £474.24

Insurance Group: 8

  • Good looking car
  • Practical to drive
  • Low insurance premiums

3. Volkswagen Golf

The Volkswagen Golf is a classic car for many reasons — it’s practical, refined and reliable. Equipped with plenty of safety tech on board, it’s also pretty economical to run. The 110PS three-cylinder unit is the cheapest to insure with a fuel economy of 70mpg.

Best Features

Average car insurance cost: £486

Insurance Group: 7

  • Plenty of safety equipment
  • Economical to run
  • A classic, refined car

4. Vauxhall Grandland X

The Grandland X might be Vauxhall’s largest SUV, but this high-riding drive is surprisingly cheap thanks to its low insurance group and running costs. As well as a smooth suspension and spacious interiors, it offers reliability on the road.

Best Features

Average car insurance cost: £518.13

Insurance Group: 12

  • Comfortable to drive
  • Spacious interiors
  • Reliable and safe

5. Mercedes-Benz A-Class

With its stunning looks and fantastic onboard technology, you might be surprised to see the Mercedes-Benz A-Class feature on this list. But choose an entry-level model and the insurance groups can be as low as 13. It’s also efficient to drive and scores top marks for safety.

Best Features

Average car insurance cost: £566

Insurance Group: 13

  • Smart and refined
  • Efficient engine
  • 5-star Euro NCAP safety rating

Most expensive family cars to insure

1. Tesla Model-X

With its 7 seats, advanced technology and impressive acceleration, the Tesla Model-X is one of the most impressive electric cars on the market and a great choice for growing families. But all this tech comes at a price. For a family car, it’s officially the most expensive to insure.

Best Features

Average car insurance cost: £1406.72

Insurance Group: 50

  • Spacious design with 7 sears
  • Superior onboard technology
  • Impressive acceleration

2. BMW 2 Series

While BMWs don’t tend to be cheap, the 2 Series is one of its more affordable cars. It’s spacious, drives well, looks good and packs a punch when it comes to onboard technology. However, its insurance group can be as high as 47 depending on the model.

Best Features

Average car insurance cost: £812

Insurance Group: 47

  • Stylish and spacious
  • Ample technology
  • Fun to drive

3. Citroen DS3

The Citroen DS3 may be small, but its insurance premiums can be as high as a Range Rover’s. Still, this comfortable drive remains extremely popular thanks to its good looks, well-balanced handling and plenty of customisation options.

Best Features

Average car insurance cost: £667

Insurance Group: 37

  • Smart, stylish design
  • Fun to drive
  • Variety of customisation options

4. Volvo XC90

Stylish but understated, the Volvo XC90 comes with an array of safety tech onboard. But its luxurious interiors and well-equipped design come at a price in the insurance department – particularly if you opt for the super-fast XC90 T8 with 7 seats.

Best Features

Average car insurance cost: £786

Insurance Group: 45

  • Stylish and luxurious design
  • Spacious and practical
  • Advanced safety technology

5. SEAT Alhambra

Okay, so the SEAT Alhambra isn’t the most expensive car to insure, but the Estate model’s costly premiums can take families by surprise. Still, this iconic and fun-to-drive car remains popular thanks to its good grip, safe handling, practical design and ample interior space.

Best Features

Average car insurance cost: £753.32

Insurance Group: 34

  • Fun to drive
  • Safe and secure handling
  • Spacious interiors

Now that you know more about the cheapest and most expensive family cars to insure, you’ll hopefully feel more prepared when making your purchase. Find your next family car here.