Top 10 cheapest cars to insure

Amelia Scholey, Brand and Creative Manager, Wednesday, 11 September 2019
Updated: Wednesday, 7 September 2022

We want you to move forward in the easiest and most stress-free way possible. Make sure you consider the cost of vehicle insurance before buying, it can give you a big saving!

Nissan Micra

The Nissan Micra has had a revamp, it’s new look is stylish whilst still managing to keep the price tag down. With slightly more space in the boot than its rivals, this car is perfect for getting you from A to B, whether that’s doing your weekly shop or accommodating a child seat. On top of all of that, this vehicle is also one of the cheapest cars to insure this year.


  • Easy and safe to drive
  • Many options for customisation
  • Cheap to insure


  • Styling can impact rear visibility and space
  • Other cars offer a sharper drive


Kia Rio

Having won AutoTraders ‘Best Value New Car’ of 2018, the Kia Rio is a great car for small families and it features in insurance Group 2 – making it one of the cheaper options for car insurance. It’s also got a surprisingly large boot, which is perfect for weekends away. With low CO2 emissions, some models of the Kia Rio will help you reduce your impact on the environment, whilst also allowing you to benefit from £0 car tax.


  • Plenty of boot space
  • Great handling of the road
  • Great entertainment system


  • Not great rear visibility
  • Rear seats don’t fold down completely flat


Volkswagen Polo

If you have your eyes set on a Volkswagen Polo, then great, because it’s an excellent car that also benefits from cheap car insurance. It features from great safety features which will keep you and your loved ones safe, whilst benefiting from great interior design including ample space for anything you may need to transport. It is, however, a little bit pricier than other great hatchbacks such as the Ford Fiesta or Seat Ibiza, but some models can be found in car insurance Group 1 (the cheapest to be in).


  • Great interior design
  • Benefits from a lot of safety features
  • No 3-door versions available


  • High price compared to competitors
  • Styling is quite conservative


Vauxhall Corsa Hatchback

The Vauxhall Corsa Hatchback has been popular since it was first created in 1982 and has been a favourite with the younger British public ever since. It’s a reliable and stylish car which holds the road incredibly well. It also has good visibility which means it’s a good car for those new to driving. Better still it sits within insurance Group 2, which means it’s one of the cheaper options to insure.


  • Good value compared to rivals
  • Smart inside and out
  • Fits in well with everyday life


  • Not as nice to drive as competitors
  • Not as safe as other small cars


Ford Fiesta

Dating back to 1976, the Ford Fiesta is another of the British public’s favourite small cars. Its newest version is sleek and stylish, whilst also having lots of attractive modern entertainment options and seating adjustments to suit whoever the driver may be. With 2 of its models sitting in insurance Group 2, it’s definitely worth taking a look at the Ford Fiesta when thinking of buying a new car.


  • High specification
  • Good value for your money
  • Nice drive


  • Not a lot of legroom in the back
  • The diesel cars aren’t as nice to drive


Hyundai i10

This small but mighty car is full of technological features, including rear parking sensors, navigation, audio system with DAB, steering wheel remote controls and Bluetooth connectivity. What’s more, the Hyundai i10 is in insurance Group 1, making it one of the cheapest cars to insure on the UK market.


  • Practical
  • Reliable
  • A nice drive


  • Interior is a little bulky
  • Uninspired styling
  • Safety kit is low


SEAT Ibiza

This car recently won the What Car? Car of the Year awards in the small car category. Why? Because it’s ‘everything a small car should be’, offering a smooth and comfortable journey, cheap running costs and enough space for your luggage, the Seat Ibiza is a car definitely worth investigating. It also has 2 styles that fit into insurance Group 2, making it cheap to insure.


  • Looks sleek and stylish
  • An agile and easy drive
  • The choice on some models of a turbo charged engine


  • Interior quality, but it’s not quite as good as competitors
  • The selection of driving positions doesn’t feel comfortable
  • Lacks versatility


Smart ForFour

Although you might not recognise this particular smart car, the Smart ForFour is more practical and convenient in size, offers affordable running costs and looks extremely stylish. It also can potentially lower the cost of owning a car with some of its styles sitting in insurance Group 1.


  • Quirky looks and strong image
  • Nice interior finish
  • Affordable to run


  • Moderately expensive to buy
  • Automatic gearbox ruins the drive
  • Not an efficient drive


Skoda Citigo

The small but perfectly formed Skoda Citigo is a spacious 3-door car and is perfect for new drivers and cities alike. It’s designed to be easy to park and drive on busy streets, perfect for sophisticated city slickers. This car is extremely practical, comfortable to drive, and surprisingly spacious. It’s also in car insurance Group 1, meaning it has the potential to offer cheaper car insurance. What’s not to like?


  • Interior is practical and of high-quality
  • Comfortable to drive
  • Affordable


  • Engines could be pokier
  • No versions come with a standard DAB radio


Ford Ka+

The Ford Ka+ was introduced in 2016 as an update of its hugely popular cousin the Ford Ka. This addition to the Ford family is small on price, big on comfort, yet economical and environmentally friendly. Every little detail of this car is designed to reduce fuel consumption, which means big savings on fuel costs. It also has several models in insurance Group 1 and 2, meaning that this car could be great value for money.


  • Nice to drive
  • Good value for money
  • Cheap to run


  • Not striking to look at
  • Poor interior quality
  • Engines could be more powerful


Amelia Scholey, Brand and Creative Manager
Bringing you information on how to look after your vehicle, save money and enjoy your life on the road.