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Car insurance groups – how to find the cheapest cars to insure

Your car plays a big part in getting cheap car insurance in the UK. Read on to understand more about car insurance groups and the cheapest cars to insure

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There are a number of ways to bring down the cost of your car insurance, and choosing a cheap car to insure is high up on the list. Read our guide on how to get the cheapest car insurance to learn about the other ways you can get the best car insurance quotes.

While common sense tells us it costs less to insure a Fiesta than a Ferrari, car insurance groups can be a difficult thing to wrap your head around. This guide will help you understand what factors are considered and what some of the top 10 cheapest cars to insure are.

Car insurance groups – how do they work?

Every car on the market belongs to one of 50 car insurance groups set by the Group Rating Panel (members of the Association of British Insurers and the Lloyds Market Association). Insurers can also use their own grouping system if they want.

Typically, the lower a car’s insurance group number, the cheaper it will to be to insure – for example, group 1 insurance cars are far more likely to be the cheapest cars to insure .

What factors are considered?

When the panel decides on how to assign cars to the different car insurance groups they consider the following:

Repair costs
The cost of vehicle repairs accounts for a huge chunk of the money paid out in car insurance claims. Logically then, the cost to repair the vehicle is considered before being assigned to a car insurance group.

The time it would take to repair the car is also considered as this would lead to higher repair costs.

Cost of the parts
The cost of 23 of the most common car parts are also considered. The lower the cost of the parts, the lower the insurance group will be. To get the best car insurance quotes the cost of the parts will need to be relatively low.

The value of the car
The value of the car as new is used as an indication of how much the car will cost the insurer to repair or replace.

Performance of the car
The statistics clearly show that high performance cars that can reach great speeds are the most likely to make insurance claims. Consider the acceleration and top speeds of a car if cheap car insurance is a priority. Read our guide on insuring high performance cars to learn more.

Car security
The cheapest cars to insure will often be ones that have built in security features by the manufacturer such as alarms, high security locks, or immobilisers which prevent the car from being hot wired.

The security rating of a car is denoted by letters ranging from E, A, P, D down to U. The E category stands for ‘exceeds’ and the U is for ‘unacceptable’. Cars in the lower and cheaper car insurance groups will likely have an E or A security rating.

The cheapest cars to insure

Scroll down to see ten of the cars in the lowest car insurance groups with the cheapest car insurance.

1. Chevrolet Spark
Cheap to buy and decent for safety, the Chevrolet Spark makes up for what it lacks in performance with its cheap car insurance rate.

Furthermore, The Spark makes for an attractive city car. Compact on the outside with room to seat five adults, the car comes stamped with Chevrolet’s usual high-quality build and finish, and clever design touches.

Cheapest car insurance - Chevrolet Spark

2. Citroen C1
The C1 is cheap to run, while servicing costs are also reasonable. Some Citroën deals also come with one year’s free insurance to appeal to young drivers and first-time car buyers – which can make it one of the best vehicles for getting the cheapest car insurance in the UK.

Once again, this car’s size makes it a good candidate among motorists living in cities. The Citroën C1 is among some of the top cars for setting a responsible level for fuel consumption and emissions.

Cheapest car insurance  - Citroen C1 is one of the cheapest cars to insure

3. Fiat Panda
Boasting a super-efficient engine, the pocket-sized Panda is a practical city car with low running costs across all models.

With a tough yet elegant design, this city car is a practical and attractive mode of transport with relatively low running costs.

Cheapest car insurance  - Fiat Panda is one of the cheapest cars to insure

4. Vauxhall Corsa Hatchback
Popular with young drivers for well over a decade, the Corsa is a sensible and reliable supermini – all models from 2006 onwards appear in car insurance group 1.

The shape has become instantly recognisable and is a hallmark of British streets even in both 3-door and 5-door designs.

Cheapest car insurance  - Vauxhall Corsa. Cheap car insurance UK

5. Volkswagen Fox and Up
Originally designed as a Brazilian city car, the Fox is cheap to run and offers good fuel economy. Its successor, the Up, won What Car? ‘Car of the Year’ for 2012.

Volkswagen stopped producing the Fox back in 2011 and has since been replaced by Up, which received an overall 5 star rating in a Euro NCAP assessment.

Cheapest car insurance  - Volkswagen Fox is one of the cheapest cars to insure

6. Ford Fiesta and Ka
The new Ford Fiesta is officially the UK’s best-selling car, and both the Fiesta and Ka can be found in car insurance group 2, making them the cheapest Ford cars to insure.

Newer models of the Ford Fiesta and Ka have been quick to evolve with the times despite their classic status. Bluetooth connectivity and an EcoBoost petrol engine on the Ford Fiesta and the Ford Ka’s economical fuel consumption keep these cars at the top for modern city driving.

Cheapest car insurance  - Ford Ka is one of the cheapest cars to insure

7. Nissan Pixo
A collaboration between Nissan and fellow Japanese manufacturer Suzuki, the Pixo is cheap to buy and comes with extremely low running costs.

Made for everyday urban driving, the design artfully compromises between safety and looks, while making sure all of the modern day requirements such as an economic petrol engine are there.

Cheapest car insurance  - Nissan Pixo is one of the cheapest cars to insure

8. Peugeot Partner Tepee
The Partner Tepee is a compact and durable people carrier that’s only slightly bigger than an average hatchback. Maintenance costs are low and it generally only needs servicing every two years.

If you haven’t got a family to drive around then you may find the car to be incredibly spacious, which may or may not be useful depending on what you plan to drive around with.

Cheapest car insurance  - Peugot Partner Tepee is one of the cheapest cars to insure

9. Skoda Fabia Hatchback and Estate
Part of the Volkswagen group, the Fabia Hatchback and Estate are both in car insurance group 2 as a result of their low prices and solid engineering.

The Skoda Fabia works well as a small family car with enough space for 5 adults and room in the boot for your luggage.

Cheapest car insurance  - Skodia Fabia is one of the cheapest cars to insure

10. Smart Fortwo Coupe and Cabriolet
Smart car insurance is often quite cheap, though servicing and parts can be expensive.

For busy city driving, Smart cars can be a safe way of getting around and gliding through narrow urban roads, but more importantly, finding a parking space where other vehicles would fail.

Cheapest car insurance  - Smart Fortwo is one of the cheapest cars to insure

Read more…

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