Cheapest cars to insure UK 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
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
^ 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
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
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
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
5. 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
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6. 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
7. 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
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
9. 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
*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
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