The 8 cheapest new cars to insure

Last updated by on October 30th, 2018

Buying a brand-new car outright these days can cost the same as a house deposit and on top of that, there are all the running costs to think about, including fuel, road tax and often most expensive of all, insurance.

Every car in the UK is assigned to an insurance group between one and fifty, with one being the cheapest cars to insure and fifty the most expensive.

It’s impossible to say that one specific car is the cheapest to insure as there are so many other factors that affect your insurance premium, like your age, driving experience or mileage.

However, knowing which models fall into the cheaper insurance groups can help you make a more informed decision when it comes to choosing a new car, so to help you get on the road without breaking the bank, here are our top 8 cheapest cars to insure.

Skoda Citigo

Red Skoda Citigo

Skoda’s interpretation of the city car is not only one of the cheapest to buy, it’s also one of the cheapest cars to insure, with most Citigo models sitting in insurance group 1.

Entry level cars in the range come with fairly basic features but for a car with a price tag less than £8,000, you still get comfort, responsive controls and a fun driving experience.

Hyundai i10

Maroon Hyundai i10

The Hyundai i10 underwent a revamp in 2016 and the new generation now offers more space inside and better technology, such as touchscreen navigation and a smartphone docking station, while still maintaining its status as one of the best value cars around.

If you go for any of the 1.0 litre petrol models in the range, you’ll get a car that’s in insurance group 1 but if you’re looking for something with a little more oomph, there are also 1.2 litre models available, which sit in insurance group 1-6, depending on the trim.

Toyota Yaris

White Toyota Yaris

Yet another city car to make the list, the Yaris is roomier than the likes of Skoda’s Citigo or Hyundai’s i10 and has an excellent safety rating, plus it’s recently undergone a makeover to bring the trim bang up to date.

The other benefit of the Yaris is that it’s also available as a hybrid, making it much more eco-friendly than some of its competitors.

Dacia Sandero

Blue Dacia Sandero

With a Recommended Retail Price (RRP) of £5,185, the Dacia Sandero is famous for being the UK’s cheapest car.

And it’s the car that keeps on giving – due to its astonishingly cheap price tag, the Sandero is one of the least expensive to insure because insurers won’t have to pay out as much to replace it in the event of a claim.

It may not be the most appealing visually but it has a three year warranty package, low running costs and an unbeatable price tag, so if you’re looking for a family car on a budget, the Sandero could be the one for you.

Vauxhall Corsa

Black Vauxhall Corsa

The Vauxhall Corsa costs just under £10,000 and has been one of the top five selling cars in the UK for over a decade, making it one of the most recognisable cars on the road.

The fact that there are so many Corsas on the road is great news because repairs are made super easy with lots of parts available, and with some models sitting in insurance group 2, the insurance isn’t going to clear your wallet either.

Fiat Panda

White Fiat Panda

Fiat’s Panda has been hailed as an unlikely contender in the off-road category due to its impressive traction and small stature.

But the Panda isn’t just for the off-road obsessed – it has a choice of ten exterior and six interior colours, a three-year warranty as standard, and sits in insurance category four with a RRP of £8,500.

Ford KA+

Black Ford KA

500,000 of the original Ford KA were sold in the UK alone during its 12 years in production, which has to tell you something.

The new and improved KA+ retails with prices starting at £9,580 and has managed to maintain its focus on practicality, with a 1.2 litre engine and a standard issue kit consisting of USB, Bluetooth and speed limiter.

The insurance group depends on the exact model you go for but is likely to be somewhere between group two and group six, meaning the KA holds onto its reputation for being one of the UK’s most affordable cars.

Volkswagen up!

Silver VW up!

The VW up! is a spacious, sensible city car that retails from £8,340 and comes with a trio of 1.0 litre engine choices; 59 bhp, 74bhp and a turbo charged 89bhp.

It also has an insurance group ranking of 1 and like all Volkswagens, comes with a three-year/60,000-mile warranty, plus one year’s breakdown cover.

If you’re looking for a sophisticated, reliable car with low insurance and running costs then the up! could well be for you.

If you’re looking to see how much that new car you’ve got your eye on will cost to insure, can help. You can compare insurance quotes from over 60 leading providers online or over the phone.

Other related article you might find useful

The guide to buying a new car
The guide to buing a used car

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