Cheapest cars to insure UK 2022

May 6, 2022

Thanks to spiralling fuel prices, climbing car insurance premiums and inflated car tax rates, driving a traditional family motor in 2022 is fast becoming an expensive luxury some drivers are struggling to afford.

This is especially so if, amongst other criteria, you happen to drive a big old pollution-heavy diesel car, you’re a very young or senior driver, live or park in a high crime rate area or regularly drive through a fee-paying clean air zone.

For all of these reasons and more (i.e. environmental), it makes complete sense to look at buying low car insurance group cars that are really cheap to insure, run and tax.

The top 9 lowest insurance cars featured in this article include group 1 insurance cars or for those of you looking for something a little roomier, we’ve also included cars from low insurance groups 2, 3 and 4.

To potentially save hundreds of pounds a year, here are the top 9 cheapest cars to insure UK (2022) plus a helpful selection of real-life car insurance quotes from Bobatoo.

[Please note most of the insurance quote examples provided in this article are based on the approximate value of the following low insurance cars UK from brand new and were generated using the customer profile details given at the end of this article. This means you could perhaps get even cheaper quotes with almost new [used] models of these cars that are much cheaper, even if they’re only one to two years old.]

1. Hyundai i10

Hyundai i10

Image source: Hyundai

Hyundai i10: Cheap car insurance deals with Bobatoo

INCLUDED AS STANDARD
Insurer Annual premium Compulsory excess* Windscreen cover Courtesy car  Breakdown cover Personal accident Legal cover
Admiral

£173.54

£150 Yes Yes No No No
Diamond

£175.78

£150 Yes Yes No No No
Geoffrey Insurance £178.75 £100 Yes Yes No Yes No
Elephant

£182.50

£150 Yes Yes No No No
Swinton Essentials £185.01 £200 Yes Yes No Yes No
One Call^ £194.54 £125 Yes Yes Yes Yes Yes

* + a voluntary excess of £500 as per our customer profile

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^ Whilst not the cheapest, we’ve included this amazing deal with One Call Insurance as it includes, as standard, all of the above extras (e.g. windscreen cover, courtesy car, breakdown cover, personal accident and legal cover)

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2. Kia Picanto

Kia Picanto

Image source: Kia

Kia Picanto: Top 5 cheapest car insurance deals with Bobatoo

INCLUDED AS STANDARD
Insurer Annual premium Compulsory excess* Windscreen cover Courtesy car  Breakdown cover Personal accident Legal cover
Geoffrey Insurance £166.67 £100 Yes Yes No Yes No
One Call Insurance £186.34 £125 Yes Yes Yes Yes Yes
Swiftcover (AXA) £186.52 £100 Yes Yes No Yes No
Swinton Essentials £190.37 £200 Yes Yes No Yes No
RAC £190.94 £100 Yes Yes No Yes No

* + a voluntary excess of £500 as per our customer profile

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3. Kia Rio

Kia Rio

Image source: Kia

Kia Rio: Top 5 cheapest car insurance deals with Bobatoo

INCLUDED AS STANDARD
Insurer Annual Premium Compulsory excess* Windscreen cover Courtesy car  Breakdown cover Personal accident Legal cover
Swiftcover (AXA) £181.90 £100 Yes Yes No Yes No
Admiral £188.10 £150 Yes Yes No No No
Elephant £190.34 £150 Yes Yes No No No
One Call Insurance £191.39 £100 Yes Yes Yes Yes Yes
Diamond £192.58 £150 Yes Yes No No No

* + a voluntary excess of £500 as per our customer profile

4. Nissan Micra

Nissan Micra

Image source: Nissan

Nissan Micra: Top 5 cheapest car insurance deals with Bobatoo

INCLUDED AS STANDARD
Insurer Annual premium Compulsory excess* Windscreen cover Courtesy car Breakdown cover Personal accident Legal cover
Admiral

£171.30

£150 Yes Yes No No No
Elephant

£172.42

£150 Yes Yes No No No
Swiftcover (AXA) £173.49 £100 Yes Yes No Yes
Diamond £173.54 £150 Yes Yes No No No
Geoffrey Insurance £184.59 £100 Yes Yes No Yes No

* + a voluntary excess of £500 as per our customer profile

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5. Renault Clio

Renault Clio

Image source: Evans Halshaw

Renault Clio: Top 5 cheapest car insurance deals with Bobatoo

INCLUDED AS STANDARD
Insurer Annual premium Compulsory excess* Windscreen cover Courtesy car  Breakdown cover Personal accident Legal cover
Admiral £208.25 £150 Yes Yes No No No
Elephant £209.37 £150 Yes Yes No No No
Diamond £211.61 £150 Yes Yes No No No
Hastings Essentials £212.51 £300 No Yes No Yes No
Swiftcover (AXA) £217.72 £100 Yes Yes No Yes No

* + a voluntary excess of £500 as per our customer profile

Get Quotes

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6. SEAT Ibiza

SEAT Ibiza

Image source: SEAT

SEAT Ibiza: Top 5 cheapest car insurance deals with Bobatoo

INCLUDED AS STANDARD
Insurer Annual premium Compulsory excess* Windscreen cover Courtesy car  Breakdown cover Personal accident Legal cover
Admiral £171.30 £150 Yes Yes No No No
Elephant £172.42 £150 Yes Yes No No No
Diamond £173.54 £150 Yes Yes No No No
Swiftcover (AXA) £199.19 £100 Yes Yes No Yes No
Hastings Essential £199.60 £300 No Yes No Yes No

* + a voluntary excess of £500 as per our customer profile

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7. Skoda Fabia

Skoda Fabia

Image source: Skoda

Skoda Fabia: Top 5 cheapest car insurance deals with Bobatoo

INCLUDED AS STANDARD
Insurer Annual premium Compulsory excess* Windscreen cover Courtesy car Breakdown cover Personal accident Legal cover
Admiral £211.61 £150 Yes Yes No No No
Elephant £213.85 £150 Yes Yes No No No
Diamond £216.09 £150 Yes Yes No No No
Swiftcover (AXA) £221.30 £100 Yes Yes No Yes No
1st Central Value £228.95 £200 No Yes No No No

* + a voluntary excess of £500 as per our customer profile

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8. Volkswagen Polo

Volkswagen Polo

Image source: Arnold Clark

Volkswagen Polo: Top 5 cheapest car insurance deals with Bobatoo

INCLUDED AS STANDARD
Insurer Annual premium Compulsory excess* Windscreen cover Courtesy car Breakdown cover Personal accident Legal cover
Admiral £201.54 £150 Yes Yes No No No
Elephant £202.66 £150 Yes Yes No No No
Diamond £204.90 £150 Yes Yes No No No
Swiftcover (AXA) £212.46 £100 Yes Yes No Yes No
Budget Insurance £227.66 £150 Yes Yes No Yes Yes

* + a voluntary excess of £500 as per our customer profile

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9. Volkswagen up!

Volkswagen up!

Image source: Arnold Clark

Volkswagen up!: Top 5 cheapest car insurance deals with Bobatoo

INCLUDED AS STANDARD
Insurer Annual premium Compulsory excess* Windscreen cover Courtesy car Breakdown cover Personal accident Legal cover
Admiral £201.54 £150 Yes Yes No No No
Elephant £202.66 £150 Yes Yes No No No
Diamond £204.90 £150 Yes Yes No No No
Swiftcover (AXA) £212.46 £100 Yes Yes No Yes No
Budget Insurance £227.66 £150 Yes Yes No Yes Yes

* + a voluntary excess of £500 as per our customer profile

Get Quotes


*Customer profile and insurance details for example Bobatoo quotes:

  • Personal: Middle-aged female, living and working in Cambridgeshire with no children under 18
  • Job: Employed full-time as a Legal Assistant
  • Licence: Has held full UK Driving Licence with no endorsements for 20+ years
  • Convictions: No driving related convictions or any unspent non-driving convictions
  • Claims: No claims in last 5 years, non-fault or at fault
  • Additional drivers: None
  • Drive other cars: 1 other car with 15 years NCDOther vehicles in household: 1 other vehicle
  • NCD protection: No
  • DVLA notifiable medical conditions: None
  • Previously had insurance declined: No
  • No Claims Discount: 15 years+
  • Car parking: On a private driveway at night and work’s car park during day
  • Car use: Social and commuting
  • Additional security: Dash cam fitted
  • Estimated annual mileage: 5,000
  • Voluntary excess: £500
  • Advanced driving: Not a member of Institute of Advanced Motorists
  • Date cover to start from: 6 May 2022
  • Type of cover: Fully comprehensive
  • Paying annually or monthly: Annually