Top 5 cheapest cars to insure

The cost of insurance could easily sway your choice of new car. Here’s five super-minis which could help keep a lid on your premium…


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Every new car that goes on sale is given an insurance ranking, the higher the ranking, the higher the premium, its stands to reason that lower power cars are cheaper to insure.

So, if running costs are a key factor in your purchasing decision, then here are five super minis that are well worth considering.

Fiat Panda

Few super minis have quite as much personality as the quirky Fiat Panda, with its cheeky design, practical cabin and styling features - this includes the squircle - is proving a big hit with motorists, especially when it comes to the two cylinder model which returns over 70 mpg.

If you’re looking for cheap insurance then the 1.2 litre is the one to go for, fitting into insurance group 3.


Buying a sporty car generally means more expensive premiums, but that’s not the case with the MG3 which combines sporty looks of a hot hatch with the low insurance costs of a city car.

It may not be rivalling any hot hatches in the acceleration tests, but it’s cheap to buy and run and certainly stands out from the rest of the crowd.

Seat MII

The MII is the baby of the Seat range and shares the same mechanicals as the Volkswagon up and Skoda City Go, it’s also placed in the same insurance group too but does at least stand out thanks to a bit of Spanish flare, with styling cues pinched from the rest of the Seat range.

It’s an excellent small car and perfect for urban life and is one of the cheapest cars on the market to insure - that’s all bar the sport version - are in the lowest band.

Mazda 2

If you’re looking for a super mini and want to stand out from the crowd, then the Mazda 2 is well worth considering, it's great fun to drive and thanks to some sporty kit, it’s a lot more show without the go.

The 74 bhp at 1.3 litre entry level model falls into insurance group 9 which may not be the cheapest but when combined with the sporty nature of the car, it’s definitely worth a test drive.

Volkwagon Polo

Finally, it’s the Volkswagon Polo, simply one of the best super minis on the market, It’s well built, has excellent rider handling, and features one of the classiest interiors of any super mini.

Running costs are pretty low, especially when looking at the eco-friendly Bluemotion model which will return over 80 mpg, it may not be the cheapest car to insure but the combination of low running costs and excellent build quality make it well worth considering.

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