There is no definitive answer to the cheapest car insurance in the UK, so finding the best deal depends on a range of factors – namely, the vehicle.
Either way, you should do your research and see if there any other factors you can control and help to reduce the cost of your car insurance.
While common sense tells us it costs less to insure group 1 insurance cars like a Fiesta than a Ferrari, the value of your vehicle isn’t the only factor involved in determining car insurance cost.
Cars like Ferraris are listed in higher car insurance groups while vehicles like Fiestas are listed in the cheapest car insurance groups – you can often often work out the relative difference in premiums by looking at the car insurance groups.
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).
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 in the cheapest car insurance groups. Insurers can also use their own grouping system if they want.
When the panel decides on which car insurance groups to assign cars to they look at:
- Car performance: the car’s acceleration and top speed
- Car security: what security features the car has
- Cost of parts: the cost of 23 of the most common parts
- Maintenance: how much and how long the car takes to fix
- Car value: the price of the car as new
Scroll down to see ten of the cheapest cars to insure:
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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