The cheapest cars to insure in 2025
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.
Based on our own data from the past three months, we’ve put together a list of the cheapest cars to insure, and this should give you an idea of the types of cars that are generally less expensive.
What are the cheapest cars to insure?
Vehicle model | Average annual premium |
|---|---|
MG MIDGET* | £90* |
TOYOTA MR2 CONVERTIBLE* | £244* |
BMW Z3 CONVERTIBLE* | £211* |
MERCEDES-BENZ SLK 230K CONVERTIBLE* | £218* |
TOYOTA MR2 CONVERTIBLE* | £244* |
BMW Z4 SE CONVERTIBLE* | £261* |
PORSCHE BOXSTER S* | £263* |
MAZDA MX-5 SPORT CABRIOLET* | £270* |
PORSCHE BOXSTER* | £282* |
TOYOTA IQ 2* | £284* |
The cheapest car to insure is the MG MIDGET* with an average insurance cost of £90* a year.
Why are some cars cheaper to insure than others?
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.
However, factors like age play a big role in how much you pay for car insurance. Therefore, the cheapest cars to insure for new drivers differs from what is generally cheaper for everyone.
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
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.
Retrieving data...
Your car
Your car insurance group
Group 8/50
This car is among the lower insurance groups which should be good news for your premium. Cars in lower groups are typically cheaper to insure.
This car ranks in the middle insurance groups so it isn’t among the cheapest cars to insure, but it won’t be one of the most expensive.
This car is towards the higher end of the scale which means it could be relatively expensive to insure.
Simply enter your registration number, or look up the make and model manually, and we’ll show you how your car’s been ranked.
