Top 10 Cars Cheap To Insure

Our list of the cars that can give you cheap car insurance based on having the lowest insurance group rating.

List of cars cheap to insure

We’ve put together a list of cars we think are the cheapest to insure. Without exception, they are all group 1 rated in order to keep insurance costs as low as possible. However, be careful when choosing, as within each make and model can be specific trim variations that are of a higher specification and a different rating group.

Kia Rio
10. Kia Rio

The Kia Rio 1 Air model was made between 2011 and 2017 and was originally priced between £13k and £20k. Auto Express described it as a supermini with an efficient diesel engine.

Hyundai i10
9. Hyundai i10

The Hyundai i10 made between 2014 and 2020 has a number of trim levels that are all group 1 rated including: S Air, S, SE, Premium.

Seat Mii
8. Seat Mii

The Mii made between 2012 and 2019 has four different group 1 rated trim levels and different styles within each trim level. The models are: S, Ecomotive, SE, Toca.

Citroen C1
7. Citroen C1

Both the Vibe and Airplay trim levels of the 2005 to 2014 C1 include group 1 rated versions.

Ford Ka+
6. Ford Ka+

The Studio is the only group 1 Ka Plus model. It was made between 2016 and 2019 and comes with a 1.2L engine.

Volkswagen Polo
5. Volkswagen Polo

The Polo Hatchback from 2017 onwards has seven different trim levels that are group 1 rated and all have a 1.0L engine. They are: S, SE, Beats, SE Tech Edition, Match, United, Active.

Skoda Fabia
4. Skoda Fabia

The cheapest Fabia models to insure are the group 1 rated trim levels for the following 1.0L engine sizes: S, SE, SE Drive, Colour Edition.

Kia Picanto
3. Kia Picanto

The Picanto 2 trim model made from 2017 onwards has a 1.0L automatic group 1 rated version.

Skoda Citigo
2. Skoda Citigo

The 2012 to 2019 Citigo has four different trim levels that are group 1 rated and all have a 1.0L engine: S, SE, Sport, Elegance.

Volkswagen up!
1. Volkswagen up!

The VW up! made from 2012 onwards has four different trims that all have insurance group 1 rated options. They are: Take up!, Move up!, High up!, up! Beats.

Hastings Direct
GoSkippy
Budget Insurance
RAC
Axa
Swinton
1st Central
Compare Insurance

Vehicle Factors Affecting Car Insurance Costs

Factor Cheaper to Insure More Expensive to Insure
Insurance Group Rating Low insurance group rating (groups 1-10) High insurance group rating (groups 11-50)
Replacement Cost Lower value replacement cost (e.g., economy cars, older models) High value replacement cost (e.g., luxury cars, new models)
Engine Size Smaller engine size (e.g., less than 1.4 liters) Larger engine size (e.g., greater than 2.0 liters)
Vehicle Age Newer cars with modern technology Much older cars lacking modern safety and security features
Security Features Improved security features (e.g., alarms, immobilizers, tracking systems) Lack of security features or basic security systems
Modifications No modifications, maintaining factory specifications Modifications that increase performance or aesthetics
Availability of Replacement Parts Easy to find replacement parts (e.g., common models, widely available) Scarcity in getting replacement parts (e.g., rare models, discontinued parts)
Cost of Replacement Parts Cheap replacement parts (e.g., mass-produced, standard parts) Expensive replacement parts (e.g., imported, specialized parts)
Repair Costs Low repair costs (e.g., easy to repair, fewer labor hours required) High repair costs (e.g., complex repairs, more labor hours required)
Safety Features High level of safety features (e.g., multiple airbags, ABS, electronic stability control) Lack of advanced safety features (e.g., minimal airbags, no stability control)
Hastings Direct
GoSkippy
Budget Insurance
RAC
Axa
Swinton
1st Central
Compare Insurance

We use cookies to ensure that we give you the best experience on our website. By continuing to use our website, you agree to the use of cookies. To find out more, read our Privacy Policy