How make and model affect the price of car insurance
All cars registered in the UK are put into insurance groups and are rated from 1 – 50, with group 1 being the cheapest to insure and group 50 being the most expensive.
A car’s group rating will be based on:
- How much damage could be caused to the car in an accident
- How much it would cost to repair the damage or replace the car
- How quickly the car accelerates and its top speed
- The car’s safety and security features
A car in a higher insurance group will cost more to repair or replace, which is why the premium is relatively high. But the driver’s details and driving history will also play a big part in deciding the total insurance cost.
The car’s age and value will also affect how much you’ll need to pay to insure it, along with any modifications you’ve made to its appearance or performance.
The top 5 cheapest cars to insure
The top 5 cheapest cars to insure are:
- SKODA Yeti, costing an average of £269 a year to insure
- Mazda MX 5, costing an average of £272 a year to insure
- KIA Venga, costing an average of £285 a year to insure
- Dacia Duster, costing an average of £292 a year to insure
- Suzuki SX4, costing an average of £301 a year to insure
It’s important to remember that these are the average costs across all ages. If you’re a younger driver, the amount you pay to insure a car will often be higher, even if the car is cheaper to repair or replace. This is because car insurance takes into account how likely you are to claim based on your age and driving history, as well as where you live.
The SKODA Yeti is the cheapest car to insure on average, according to MoneySuperMarket car insurance quotes from January to March 2018.
Cheapest cars to insure for young drivers
The top 10 cheapest cars to insure for young drivers* are:
Car manufacturer and make | Average annual cost of car insurance |
|---|---|
SEAT Mii | £766.08 |
Ford KA | £798.56 |
Fiat 500 | £809.76 |
Volkswagen up! | £813.12 |
Peugeot 107 | £814.24 |
Kia Picanto | £824.99 |
Mini One | £824.99 |
Citroën C1 | £825.44 |
Hyundai i10 | £831.15 |
Suzuki Alto | £832.05 |
*According to MoneySuperMarket car insurance quotes from January – March 2018.
Comparing car insurance policies
You can see how much car insurance might cost for a particular model by using MoneySuperMarket’s car insurance comparison tool. Enter the registration number and some information about your driving history to compare car insurance policy quotes. And if you haven’t bought a car yet, but you have a make and model in mind, all you need to do is add the type of fuel it runs on, whether it’s a manual or automatic drive, the year it was registered, the engine size and version of the car. You’ll then be able to compare car insurance quotes for that exact car and get a better idea of how much it will cost you.
You’ll can filter the results by policy type and monthly and annual costs to help you find a car insurance policy that’s affordable, and keeps you covered. Some policies might also let you add extra levels of protection to give you peace of mind that you’ll be covered if you need to claim.