Insurance is one of the biggest annual motoring costs for most people, so it makes sense to reduce that cost by going for a small car that’s cheap to run and repair.
These generally attract insurance groupings at the lower end of the scale, but the good news is that while these cars may leave you with more change in your pocket, they won’t leave you feeling short-changed in how they are to live with.
To help you save wisely, carwow has compiled a list of the 10 best cars with low insurance ratings.
- Volkswagen Polo
- Hyundai i10
- Volkswagen Up
- Skoda Citigo
- SEAT Mii
- Ford Fiesta
- SEAT Ibiza
- Renault Clio
- Skoda Fabia
- Citroen C1
You get a lot of car for your Group 1 insurance rating these days. The Volkswagen Polo is comfortable and classy, and has an interior filled with soft, squidgy materials that give it a big-car feel. Every VW Polo comes with a slick touchscreen entertainment system. The only fly in the ointment is that the only engines that qualify for Group 1 insurance are the lower-powered 1.0-litre ones, which are a touch lethargic. Still, it gives you more time to enjoy that interior.
The Hyundai i10 is a funky-looking hatchback that’s filled with standard equipment, including air-conditioning and a touchscreen infotainment system. It’s roomy enough (just) for four six-footers, and the boot is big enough for a weekly supermarket trip. Small dimensions and light controls make the i10 right at home nipping around town, and parking is a cinch. You’ll need to work the 67hp engine hard to keep up with traffic, though.
The Volkswagen Up is like a sports star who has been around for ages yet is still at the top of their game. The interior has a simple appearance but is actually full of standard kit, such as DAB radio a 5.0-inch colour touchscreen and air-conditioning. The boxy shape means there’s plenty of space for four full-size adults to be comfortable, and of course, it’s a VW so the interior quality is second to none. The 60hp engine needs to be revved hard to keep up with traffic, though.
For Skoda Citigo, read Volkswagen Up, because they’re basically the same car. That’s great, because it means the Citigo gets all the Up’s talents, including good cabin space, a decent boot, and cheap running costs. The basic design of the interior is similar to that of the Up, but there’s no denying that the choice of trims used in the Citigo makes it looks a little more austere. Again, the engine can feel a bit breathless, but the rest of the driving experience more than makes up for that.
The SEAT Mii is the third of the Up/Citigo/Mii triumvirate in this list, but it’s certainly not the poor relation. It has the same small exterior dimensions of its sister cars, and the same oddly spacious interior, so even if you have a couple of teenagers in your brood there’s no reason to discount the Mii. It’s a shame that the steering adjusts for height only, with no option to change the reach. The build quality feels suitably decent, and the Mii feels like a much classier car than its low insurance grouping would suggest.
There’s a good reason that the Ford Fiesta has been sitting on top of the best-seller lists for years, and that’s because it’s brilliant at pretty much everything. It combines the sort of high-tech features you usually find on cars from classes above with genuine small-car nippiness and economy. It’s just a shame that it isn’t quite as roomy as some rivals. The 1.0-litre three-cylinder engine is a peach, and contributes to the Fiesta being a truly fun car to drive. It’s so good that the low insurance feels like a bargain.
The SEAT Ibiza feels like a pretty decent size of car considering it’s in the Group 2 insurance bracket. It’s decently spacious for four adults and there’s a 355-litre boot behind. However, the stylish exterior is not replicated inside, where it’s all a bit dowdy. There’s a black and white infotainment screen on entry-level S models, and the 1.0-litre engine develops just 74hp, so make sure you leave plenty of time to get where you need to go.
Sit inside the Renault Clio and you’ll find it hard to believe that it can be classified in Group 2 for insurance. The dashboard is smart and minimalist, and the materials all feel classy and well screwed together. There’s easily enough space for you and a front-seat passenger to be comfy, but anyone tall who you consign to the rear will be less happy with the space on offer. The engine is perfectly adequate, but the small windows and tall rear seats make visibility poor.
Yes, you can have a Skoda Fabia and only pay Group 1 insurance rating for it. Your motoring life will be quite simple, but surely that’s a price worth paying for such a cheap way to get around. There’s space for four tall adults, and the boot will easily cope with all of their stuff. Just beware that the 60hp 1.0-litre engine has a “we’ll get there at some point” attitude to each journey, and the basic trim level feels built to last, but not cosset.
The Citroen C1 is an undeniably funky little hatchback aimed at the more youthful end of the motoring market, so its Group 1 insurance rating is perfect. There’s a vast array of colours on offer, both outside and in. The 1.0-litre three-cylinder engine is pretty nippy, and the good visibility makes it perfect for in-town driving. However, the C1 is cheap for a reason, because it feels built down to a (pretty low) price. It’s fair to describe the cabin as snug, too.