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Cheapest cars to insure

The cheapest cars to insure in 2024

Mehdi Punjwani
Written by  Mehdi Punjwani
Donna McConnell
Reviewed by  Donna McConnell
5 min read
Updated: 04 Jun 2024

Ever wonder which cars were cheapest to insure? Here’s what the MoneySuperMarket data tells us…

When it comes to car insurance, the type of vehicle you drive can have a significant impact on your wallet. Insurance premiums can vary widely, as factors such as age, driving history, and safety features, are taken into consideration when it comes to insuring different makes and models.

In the UK, cars are categorised into one of 50 insurance groups with Group 1 being the lowest risk and cheapest to insure and Group 50 - the fastest and flashiest cars - the highest risk and most expensive to cover.

Other factors affecting insurance costs

As well as the model of car; the driver's details and claims history, the following details are also taken into account when it comes to calculating your premiums:

  • Car make and model

  • Car modifications

  • Driver's occupation

  • Annual mileage

  • Driver age

man and woman going for a drive in car

What are the cheapest cars to insure?

Whether you’re an experienced motorist or a new driver just starting with your first car, we've put together a list of ten of the most popular and the cheapest cars to insure for drivers that won't break the bank.

Insurance costs are based on comprehensive quotes for one driver with a full UK license, and are accurate as of 15th May 2024.

1. Volkswagen Polo 

Version: 2019 Petrol 1.0L SE MPI Evo 65 Hatchback 

Insurance group: 1

The small but spacious hatchback hero has been updated with modern features like a touchscreen infotainment system, air conditioning, and front and rear parking sensors that will help to keep it top of any budget-friendly small car lists.

Red volkswagen polo

2. Ford KA Plus 

Version: 2017 1.2 litre Studio Ti-VCT 70

Insurance group: 1 

With it's bigger profile, the Ford KA lives up to its plus size with a spacious interior despite its compact size. Along with practical features like air conditioning, and an infotainment system, with modern optional extras such as rain-sensing wipers (option), automatic headlights and SYNC 3 voice control.

Ford Ka in showroom

3. Citroen C1 

Version: 2005 Petrol 1.0L Vibe Hatchback 

Insurance group: 1 

Great for the city and cheap to run, this compact runabout comes with power steering and offers good fuel efficiency. It's not powerful but it offers good looks and and a well organised interior.

Red citroen ~car

4. Fiat Panda

Version: 2010 1.1 litre Active Eco

Insurance group: 1 

An Italian classic, the Fiat Panda offers good fuel efficiency, and this older compact design is deceptively roomy. Optional extras include power steering and air conditioning.

Black Fiat Panda

5. Hyundai

Version: 2023 1 litre I10 Advance

Insurance group: 2 

Get ready to love the Hyundai I10. With cool extras like smartphone connectivity and rear parking sensors, it makes every drive a breeze. Plus, with advanced safety features like lane-keeping assist and automatic emergency braking, adds to security on the road.

Hyundai grey

6. Kia

Version: 2022 1 litre Picanto 2 DPI 

Insurance group: 3 

The stylish Picanto has advanced technology features like its touchscreen infotainment system with Apple CarPlay and Android Auto, and a rearview camera. Safety is centrestage as forward collision avoidance and lane-keeping assist bring the chunky hatchback up to date.

Red Kia Picanto

7. Skoda

Version: 2018 1 litre Fabia S MPI 75 

Insurance group: 2 

A great value Skoda, the supermini includes extra safety features such as LED daytime running lights, and autonomous emergency braking, plus a multifunction trip computer and a 6.5-inch touchscreen with both Apple CarPlay and Android Auto connectivity.

Blue Skoda Fabia

8. Nissan

Version: 2011 1 litre Pixo Visia 

Insurance group: 2 

With only a 1 litre engine to choose from the Nissan Pixo is best for short hops to town and back. It's low on frills but includes features such as airbags, air conditioning and a CD player with MP3 compatibility.

White Nissan Pixo

9. Toyota Yaris

Version: 2016 1 litre Active VVT-i Icon 

Insurance group: 4 

The relaunched Yaris combines good looks with a boot load of extra features such as a touchscreen infotainment system, Bluetooth connectivity, cruise control and LED daytime running lights. Safety enhancements such as a rear-view camera and automatic emergency braking add to its modern rebrand.

Blue Toyota Yaris

10. Smart ForTwo

Version: 2007 1 litre Pure (71) 

Insurance group: 2 

The popular mini is easy on the wallet when it comes to insurance. It has more boot space than a Mini and offers the usual features like air conditioning and a radio with CD player. Safety elements include front airbags and electronic stability control depending on which spec you opt for.

White smart car

Tips for cheaper car insurance

No matter your age or the insurance group of your car, there are ways to reduce your insurance costs:

  • Improve your security: If your car is parked off the street, such as in a garage or on a driveway, you'll likely pay less for insurance. Installing an alarm or immobiliser can also be beneficial.

  • Limit your claims: Paying for minor repairs out of pocket can help you maintain your no claims bonus, making you less of a risk in the eyes of insurers.

  • Use a black box: For younger drivers, telematics insurance can help keep costs down by monitoring driving habits. Safe driving can lead to discounts on premiums.

  • Pay annually: Opting to pay your insurance in one annual lump sum every year is usually cheaper than monthly instalments.

Check which insurance group your car falls into 

If you’re not sure what group your car is in, you can find out very easily with our car insurance group checker.

Simply enter your registration number, or look up the make and model manually, and we’ll show you how your car’s been ranked.

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