Britain’s cheapest cars to insure

Anyone buying a new car before will soon appreciate that the bills don’t simply stop at the retail price. Fuel, servicing costs and breakdown cover all need to be paid for but, for many, arguably the most unpleasant annual bill comes in the form of car insurance.

As a legal requirement for any UK car driver, you can’t escape paying for it, but you can choose a car that minimises the cost. Every car on sale today is assigned an insurance group that considers safety ratings, performance and the cost to fix any potential repairs – and even how easily they can be stolen. We’ve rounded up the 10 cars on sale today that offer the lowest insurance ratings.

Put your ideal one in our car configurator to see the deals carwow could help you get. Need something for a new driver? Check out our list of the best first cars.

SEAT Mii, Skoda Citigo, Volkswagen Up – Group 1

For many reasons, the trio of closely related VW-Group city cars – the SEAT Mii, Skoda Citigo and the Volkswagen Up – are considered class-leading city cars. They’re great fun to drive, refined on the move and are all built to a standard that trumps most of their rivals by an impressive margin.

Running cost are among the most competitive for the segment, too. When each variant is powered by the same 59hp 1.0-litre petrol, the trio fall into the lowest insurance group possible. Need a touch more power? A 74hp petrol sits just one group higher.

Take a look at the SEAT Mii, Skoda Citigo and Volkswagen Up deals pages to spec up your perfect car and see how much you could save.

Hyundai i10 – Group 1

With Group 1 insurance for all 1.0-litre petrol models, the Hyundai i10 should be among the cheapest new cars to cover in the UK. Its budget credentials don’t end there, either – achieving as much as 65.7mpg in the eco-minded Blue Drive model, running costs should be very competitive.

The i10 offers plenty of appeal beyond the sensible stuff, too. The five-door body shape makes passenger access to the rear easy while, on the move, the chassis manages to strike a great compromise between fun and comfort. A five-year, unlimited-mileage warranty adds peace of mind to the long list of i10 plus points.

Find all of the latest discounts for the Hyundai i10 on our deals page. You might be able to save some cash.

Skoda Fabia – Group 2

Anyone looking for a sensible supermini will be hard pushed to find a more well-rounded choice than the Skoda Fabia. The cabin may not be thrilling to look at, but build quality is excellent, while passenger and boot space are among the best, too. It’s also impressively refined and comfortable for such a small car, and achieved a maximum five-star rating when crash tested by Euro NCAP.

The entry-level model, powered by the same 1.0-litre petrol engine found in the Up/Citigo/Mii trio, is considered very low risk by insurers, falling into the second lowest group available.

Head over to the Skoda Fabia deals page to see the latest discounts available.

Kia Rio – Group 2

The sharply-styled Kia Rio has plenty of reasons to recommend it, even among the stiff competition it faces from within the supermini segment. It’s well-built, roomy and fairly refined, even when compared to the class best. Crucially, it’s among the cheapest to insure, too.

There’s even a choice of engines in the Group 2 category which the most insurable Rios stand – either a 1.25-litre petrol or a 1.1-litre diesel. The latter achieves an official 85.6mpg, making it by far the most frugal car in this top 10.

Want to save money on a new car? Head over to the Kia Rio deals page to find all of the latest offers.

Vauxhall Corsa – Group 2

The Vauxhall Corsa has long been considered an ideal choice for young and new drivers, and competitive insurance groupings play a huge part in that. The entry-level 1.2-litre Corsa Sting is well-equipped, with 16-inch alloy wheels, six airbags and an AUX socket for music players all fitted as standard, but sits in insurance Group 2 – much lower than many of its direct rivals.

The latest edition Corsa is better built and much more fun to drive than any of its predecessors too, so it has far more than those potentially low insurance costs to recommend it for.

See how much you can save on a new Vauxhall Corsa by trying out our deals page.

Renault Twingo – Group 2

Majoring on style and fun, the Renault Twingo makes an ideal city car candidate. Unlike almost all its rivals, the dinky Renault is rear-engined, which means that not only can the bonnet be shorter for easier parking, but the front wheels can turn to unbelievable angles – its turning circle almost matches a London taxi.

In Expression spec, which includes standard-fit LED daytime running lights, Bluetooth connectivity and a DAB radio, the Twingo is a Group 2-rated car. Factor in the 1.0-litre petrol engine, rated at a claimed 62.8mpg, and the Renault should be very cheap to run.

Check out the Renault Twingo deals page to find the latest savings.

Kia Picanto – Group 2

The Kia Picanto is one of our favourite city cars. The handsome entry-point of the Korean manufacturer’s range is easy to drive, well-built and sold with an industry-leading seven-year warranty.

Group 2 insurance is available on several trim levels. The ‘2’ offers alloy wheels, a leather trimmed steering wheel and air conditioning as standard, so cheap insurance needn’t mean missing out on in-car goodies. Power comes courtesy of a 1.0-litre petrol engine, which combines adequate performance with an official fuel consumption figure of 62.8mpg.

Try out the Kia Picanto deals page to see how much money you could save on a new car.

Dacia Sandero – Group 2

Is this the ultimate in budget motoring? Not only does Group 2 insurance place the Dacia Sandero among the most insurable cars on the road but, with prices from £6,495, it’s also the cheapest to buy – and by a considerable margin.

The supermini dimensions mean plenty of space inside while, from behind the wheel, the ride is reasonably smooth. If the entry-level Access model is too sparsely equipped for you – it doesn’t even have a radio – then the good news is that the more generously equipped Ambience falls into the same insurance group.

Take a look at the Dacia Sandero deals page to see how much carwow could help you save.

Smart Forfour – Group 2

The latest version of the Smart Forfour was co-developed alongside the Renault Twingo so, once you’ve stripped away the bits you can see and touch, the pair are almost identical.

As a result, the 999cc three-cylinder engine is the same as the Renault’s and, combined with strong safety and security ratings, help the Smart to achieve the same Group 2 class. While fuel consumption figures are also the same, it’s a little more expensive to buy – almost £2,000 more for the equivalent model.

Spec up a Smart forfour through our deals page to see the savings on offer.

Fiat Qubo – Group 2

All these ultra-insurable superminis and city cars are great, but what if you need a little extra room? The Fiat Qubo is by far the most spacious choice in our top 10 – it is, in essence, a small van with windows after all – yet sits in the same Group 2 insurance rating of many of the smaller options here.

Drive comes courtesy of a somewhat thirsty 76hp 1.4-litre petrol engine, but it’s the practicality that appeals the most. There’s comfortably enough room for five inside, while the 356-litre boot is both generously sized and practically shaped. If a bargain mini-MPV is on the shopping list, look no further.

See the reductions available by finding your ideal Fiat Qubo on our deals page.

Save money on your next new car

Keen on any of our top 10? Our new car deals page will find you the best deals on all the models featured here. If you can’t quite figure out what your next car will be, our car chooser is here to help.

Volkswagen Up

A stylish and well-built city car
£8,995 - £12,880
Read review Compare offers

Hyundai i10

Practical supermini has five-year warranty and big boot
£8,995 - £13,045
Read review Compare offers

Skoda Fabia

Very capable, safe and well-made supermini
£10,750 - £18,025
Read review Compare offers
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