Rising car insurance premiums in the UK can be a real burden for drivers. One way to save money is by choosing a car that’s cheaper to insure. But with so many options out there, it can be tough to know where to start.
In this guide, we’ll share the top cheapest cars to insure in the UK, along with some insider tips to help you find affordable car insurance and save money on your premiums.
Factors That Impact Car Insurance Costs
Before diving into our list, it’s essential to understand what determines your car insurance premiums. Insurers in the UK calculate costs based on factors such as:
- Insurance Group: Cars are classified into insurance groups from 1 to 50. Group 1 cars are the cheapest to insure, while Group 50 cars are the most expensive.
- Group 1: The insurance holy grail (lowest risk)
- Group 50: The wallet-crushing nightmare (highest risk)
The lower the group, the cheaper your insurance. Simple, right?
- Engine Size: Smaller engines typically lead to lower premiums.
- Safety Features: Cars with advanced safety tech are cheaper to insure due to reduced accident risks.
- Driver Profile: Your age, driving history, and postcode also play a big role.
Top 10 Cheapest Cars to Insure in the UK
Here’s our carefully curated list of budget-friendly cars that offer great savings on insurance premiums:
1. Ford Fiesta (Group 2)
A perennial favourite among UK drivers, the Ford Fiesta is known for its affordability and reliability. With a small engine and excellent safety ratings, it’s perfect for those looking for cheap insurance.
2. Volkswagen Polo (Group 3)
The VW Polo combines premium quality with low insurance costs. Its efficient engine and advanced safety features make it a top pick for families and young drivers alike.
3. Hyundai i10 (Group 1)
If you’re seeking the ultimate in affordability, the Hyundai i10 is an excellent choice. It’s compact, fuel-efficient, and falls into the lowest insurance group.
4. Kia Picanto (Group 2)
The Kia Picanto is a stylish yet practical option. Its low running costs and impressive warranty make it ideal for budget-conscious drivers.
5. Vauxhall Corsa (Group 2)
Popular across the UK, the Vauxhall Corsa is not only affordable to buy but also to insure. Its modern features and sleek design appeal to a wide range of drivers.
6. Toyota Aygo (Group 1)
The Toyota Aygo offers a blend of affordability and dependability. Its compact size makes it a great option for city drivers.
7. Renault Clio (Group 3)
Stylish and efficient, the Renault Clio comes with advanced safety features, keeping insurance costs low while offering a comfortable ride.
8. Seat Ibiza (Group 2)
The Seat Ibiza is a practical and affordable hatchback. With its excellent fuel economy and low insurance group, it’s a hit among young professionals.
9. Fiat Panda (Group 1)
This quirky and compact car is easy on the wallet, with its small engine and low maintenance costs making it a favourite among cost-conscious drivers.
10. Nissan Micra (Group 3)
The Nissan Micra delivers excellent value, boasting modern features and a reputation for being affordable to insure and maintain.
Affordable Car Insurance Tips for Specific Groups
Young Drivers
For young drivers, finding affordable car insurance can be challenging. Consider options like telematics policies, which reward safe driving with lower premiums. Look for “cheap car insurance quotes UK for young drivers” to compare plans tailored to your needs.
Families
Family-oriented vehicles like the Volkswagen Polo or Kia Picanto offer affordability and reliability. Adding an experienced driver to your policy can also lower premiums.
Eco-Conscious Drivers
Hybrid and electric cars, such as the Toyota Aygo X Hybrid, are becoming increasingly popular. They often qualify for cheaper insurance due to lower environmental impact and advanced safety features.
What Makes a Car Cheap to Insure?
Insurance companies aren’t throwing darts at a board – they’re using precise calculations. Here’s what drops your insurance faster than a hot potato:
- Tiny Engines: Stick to 1.0-1.2L engines
- Safety Tech: Advanced driver assistance features
- Low Value: Cheaper cars = cheaper insurance
- Security: Immobilizers, alarms, tracking devices
Where to Find Cheap Car Insurance Quotes in the UK
To secure the best deal, it’s crucial to shop around. Here are some top-rated platforms to consider:
- Comparethemarket.com: Known for its user-friendly interface and competitive quotes.
- GoCompare: Offers tailored results and extra features like free MOT (Ministry of Transport test) reminders.
- Confused.com: Ideal for finding a wide range of cheap car insurance quotes quickly.
- MoneySuperMarket: it’s also one of UK’s top comparison site for car insurance, offering quick and easy car insurance quotes from leading providers. It’s a great tool to find affordable car insurance tailored to your needs, with potential discounts and helpful guides to lower your premiums.
Pro Tip: Always use multiple platforms to compare quotes and maximize savings.
Choosing the right car can significantly impact your car insurance premiums. Whether you’re a young driver, a family, or an eco-conscious individual, there’s a low-insurance car out there for you. Start exploring your options today by comparing affordable car insurance quotes in the UK.
FAQs
1. What is the cheapest car to insure in the UK in 2025?
The Hyundai i10 and Toyota Aygo are among the cheapest cars to insure, falling into the lowest insurance groups.
2. Are electric cars cheaper to insure than petrol cars?
In many cases, yes. Electric cars often come with advanced safety features, which reduce insurance costs.
3. How do I find cheap car insurance for a second-hand car in the UK?
Look for used cars in lower insurance groups and compare quotes online using platforms like GoCompare or Confused.com.
This guide aims to help you make an informed decision and save money on your car insurance in 2025. Share your experiences in the comments below or let us know your favourite budget-friendly car!