After a car that’s cheap to insure? Here are the cheapest cars to insure in the UK from group 1 to group 3
In the UK, car insurance is compulsory if you want to get behind the wheel. It means that finding a car that’s cheap to insure is important, whether you’re an OAP looking to cut costs or a teenager trying to get on the road for less. The current trend for the cost of car insurance is upwards, too, and with all car owners feeling the pinch the cheapest cars to insure are getting even more attention than usual.
There’s more than one way to save on your car insurance, some manufacturers offer simple ‘just add fuel’ deals that remove the need to source insurance as all your major running costs (apart from fuel, obviously) are rolled into one monthly payment. You could also consider a black box car insurance deal that fits a tracking device to your car and can lower your insurance bills if you drive in a safe manner. That said, for the majority of drivers the best way to save on car insurance is to buy a car that’s cheap to insure, and that means a low insurance group.
Insurance premiums are calculated using a couple of different variables. As any student motorist trying to insure their first car will tell you, the value of the vehicle is just the tip of the iceberg – often the cost of cover for a year will far exceed the value of the vehicle itself.
To make it easier to assess which cars are the cheapest to insure, there is an insurance group rating system. The higher the number, the lighter your wallet will be when the insurance premium is paid, so the closer to group 1 you can get (the scale goes up to 50), the better. As you would expect, every car in this list of the UK’s cheapest cars to insure is rated insurance group 1, 2, or 3.
Even though a list like this is incredibly useful, your money saving measures should not end after you’ve chosen one of the cheapest cars to insure. Make sure you shop around, calling top insurers and using price comparison sites to maximise your savings. Due to the varied living situations we are all in, the cheapest car to insure for one person may not be the cheapest to insure for another – the only dead cert is that, due to these cars being in the lowest insurance groups, they will generate lower quotes than those in much higher groups.
A word of warning, comparison websites are great for getting a large number of quotes, but not all of the big name insurance companies advertise on them, so by picking up the phone and contacting these larger insurers directly, you may get a better deal.
On top of the list below for cheapest insurance, check out the Auto Express best first cars list, which looks at other important aspects of a car that will matter to young drivers, such as safety and economy.
Click the tabs on the top left of this page or the links below for full details on the cheapest cars to insure in the UK at the moment.
Cheapest cars to insure 2019 – Group 1
- • Ford Ka+ 1.2 Studio
- • Hyundai i10 1.0
- • Nissan Micra 1.0
- • Skoda Citigo/Volkswagen up! 1.0
- • Volkswagen Polo 1.0
Cheapest cars to insure 2019 – Group 2
- • Dacia Logan 1.0 Access
- • Ford Fiesta 1.1 Style
- • Renault Twingo 1.0 Expression
- • SEAT Mii 1.0 Design
- • Skoda Fabia 1.0 S
- • Smart ForFour 1.0 Pure
- • Toyota Yaris 1.0 Active
- • Vauxhall Corsa 1.4 Sting
All of the models listed in alphabetical order above fall into insurance groups 1 or 2 but if none of them appeal, just keep reading.
Cheapest cars to insure 2019 – Group 3
Finally we have the group 3 cars, still some of the cheapest cars to insure in the UK.
- • Dacia Sandero 1.0 Access
- • Fiat Panda 1.2 Pop, Lounge
- • Renault Clio 0.9 Play
- • Smart ForTwo 1.0 Pure
- • Vauxhall Adam 1.2 Jam
- • Vauxhall Viva 1.0 SE
Read more of our best car recommendations…