The Cheapest Cars to Insure in the UK

Buying a new car is an exciting time for anyone but it is easy to get carried away and forget to investigate how much the insurance for your new vehicle will be. To help you we have compiled this list of some of the cheapest cars to insure in the UK.

There are a number of factors taken into account when calculating car insurance premiums and the model of the car is one of the most important ones. Different vehicles are rated for insurance purposes according to issues such as their price, how expensive repairs are, their performance and the security features they offer.

For a comprehensive listing of the rating for each car you would need to check out the official data from the Association of British Insurers (ABI). However, maybe you will find the ideal, low cost car for you on the following list of some of the cheapest cars to insure in the UK. Once you’ve found one you like, you can then get a quote from a comparison site to find the cheapest deal.

Volkswagen Fox and Up

You should expect to find both of these vehicles listed in the lowest insurance group (1). However, this is a good moment to point out that the groups calculated by the ABI are just recommendations to the insurance companies. Individual insurers are free to move a car to a different group depending upon their own claims experience with the model. The Fox was succeeded in the UK market by the Up and both are cheap to run as well as cheap to insure.

Fiat Panda

The Panda is a very sensible option if you want a small city car which doesn’t cost much to run. The different models on this range cover more than one insurance group but they are all in the lower end of the spectrum when it comes to the cost of insuring them. Fiat has been building these compact cars for over 3 decades and has sold more than 6 and a half million of them across the planet to date.

Skoda Fabia

When a car has a good price and is well built you can expect it to be among the cheapest cars to insure. This is the case with the Skoda Fabia. Both the hatchback and the estate versions are generally found in the insurance group 2, making them among the very best choices for getting cheap cover sorted out.

Smart Fortwo

This is one car which some motorists find a bit more expensive to run than they had expected, due to servicing and parts being a little higher than you might think. Having said that, the low insurance group and the decent fuel consumption figures still make it an economic choice. If you need a nippy little vehicle to get around the city and to park in tight spaces then you can’t go wrong with either the coupe or the cabriolet versions.

Suzuki Alto

Like a few of the other cheapest cars to insure, the Suzuki Alto is a small vehicle which is good value to run in just about every aspect. It has been sold all over the world since 1979, often under a different name from the one we are used to in the UK. You can expect to get a good insurance quote if you are going to buy one of these models, with the SZ2 being an example of a model which comes in with a group 2 rating.

Vauxhall Corsa

The Corsa seems to have been popular with British drivers forever, and it is still a sensible choice for someone looking for a cheap car. All of the models are good value in terms of insurance and you should find that those built from 2006 onwards fall into insurance group 1.

Ford Fiesta

There are some very good reasons why the group 2 rated Ford Fiesta is still the bestselling car in the UK. Ford has been making the Fiesta since the mid 1970s and it shows no sign of losing its appeal yet. It has sold more than 16 million units all over the world and is generally seen as being a sound choice if you want low running costs and a reliable performance.

Ford Ka

If you want a Ford and want one of the cheapest cars to insure then you have 2 great options. We have just looked at the Fiesta but we can’t forget that the Ka also gets rated as a group 2 vehicle by most UK insurers.

Seat Mii

The 1.0 60S version of the Seat Mii is another example of a vehicle sold in the UK which is in the lowest insurance group, making it a really cheap car to insure. The Seat Mii has been making good inroads into the crowded city car market in the UK. It is basically a rebadged and tweaked version of the Volkswagen Up and is a good option for a car buyer on a budget.

Nissan Pixo

The Nissan Pixo is the result of a hook up between Nissan and Suzuki. It is another car on this list which is inexpensive to buy and good value to run as well. Like many of the other cars on the list, it is a good deal for a young driver or for anyone else buying a first car and needing to build up their no claims discount without paying a fortune for insurance every year in the meantime.

Citroen C1

It isn’t going to cost you a fortune to run this car and the insurance quote isn’t going to make you faint either. You might even get a deal with free insurance in some cases, while the premium isn’t going to be too scary once you start paying for it.

Citroën C3

This final model on our list of the cheapest cars to insure is a bit more expensive to buy and to run than most of the others on the list. However, if you want to pay a bit more but still get a decent deal on your insurance then this could be a good choice. The 1.1 VT version comes in as a group 5 car, which will still get you a decent quote compared to many other cars on the market right now.

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