13 of the Best, Cheapest Cars to Insure in the UK
Car insurance is an unavoidable, legally-required expense that stings us all each and every year, but there are many ways to reduce the amount you pay in premiums.
If you’re thinking of getting a new vehicle soon, one of the best ways to get more affordable cover is to have a car that is cheap to insure.
It’s easy to assume that such cars would be rusty old bangers destined for the scrap-yard, but that’s not the case. You don’t always have to sacrifice comfort, safety, performance or good-looks to get cheaper car insurance – there are plenty of high-tech, stylish and brand-new vehicles available that won’t break the bank when it comes to getting cover.
To help you get started, we’ve compiled a list of some of the best and cheapest cars to insure in the UK during 2020.
In this guide:
- The least expensive cars to insure in 2020
- What are car insurance groups or categories?
- Get your cheap insurance quote
- Volkswagen Polo
- Hyundai i10
- Nissan Micra
- Ford Fiesta
- SEAT Ibiza
- Volkswagen Up!
- Skoda CITIGO-e iV
- Fiat Panda
- Toyota Yaris Y20
- Kia Rio
- Skoda Fabia
- Vauxhall Corsa
- Ford Ka+
Here’s a look at some of our favourites from the bunch…
Being in Group 1 of the car insurance categories, the Volkswagen Polo is among the very safest (5-star NCAP safety rating) and cheapest cars to insure in the UK. It’s also an affordable car to buy outright or lease, and its value for money is second-to-none.
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You get plenty of interior space, a comfortable drive, and a compact, stylish design.
One of the best city cars on the market, the Hyundai i10, is in good company in Group 1. It is practical (for a city car), affordable and there are several unique models to choose from. Its design is energetic and the interior technology systems are as good as any in the class.
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The Nissan Micra can qualify for Group 1 insurance, but only if you opt for the 72bhp 1.0-litre petrol engine – which isn’t overly powerful. If you’re not too bothered about hitting those top speeds and accelerating off the mark at traffic lights, the Micra is a good option thanks to its sturdiness and interior quality.
The Ford Fiesta has been around for over 40 years, so it’s become quite the common sight on UK roads. The trusty Fiesta doesn’t quite fit the requirements to qualify for Group 1 insurance, but it is one of the cheapest to insure from Group 2.
It’s one of the best cars on our list, being so well-built, cheap to run, easy (and fun!) to drive, and relatively affordable to repair if things go wrong.
The SEAT Ibiza is another city car that could help you keep insurance costs down without being embarrassed to be seen on the road. This Spanish pocket-rocket delivers in all departments; it has punchy engines, a well-designed exterior and a tech-laden interior.
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Every car is labelled with an insurance category from Group 1 to Group 50, which essentially represents how affordable they are to insure. Group 1 includes the cheapest cars to insure, and each group becomes increasingly more expensive.
The rarer, more expensive and powerful your vehicle is, the higher its insurance group will be. For example, Group 50 consists of cars like the Mercedes-Benz GLE Coupe (2020-onwards), Ferrari F430 Coupe (2005-10), and Corvette Stingray (2014-15).
Knowing which cars are cheap to insure is one of the most important steps to take before delving into the world of driving and paying for your own vehicle. When you’re looking to buy a car, be sure to consider:
- How much it will cost to insure
- Its running costs (mpg)
- Its security and safety features
- Whether the engine size is right for you
The vehicles we have mentioned in this guide are simply recommendations – getting tailored quotes based on your own information is the only way you will find out which cars are the cheapest for you personally to insure.
As long as you do your research, compare quotes from a variety of providers and shop around, you’re bound to find the right car and insurance deal for you.
Get a cheap car insurance quote today by tapping the button below, and for more information, read our 15 tips to reduce your car running costs or see our related guides below.