10 the Cheapest Cars to Insure Right Now

Piggy bank next to yellow toy car
January 6, 2021

Buying a car, whether it’s your first car or your fifth, is always incredibly exciting but that excitement can sometimes dissipate somewhat when you factor in that you have to insure your car, which can often be quite costly (especially for young and new drivers).

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When it comes to finding the cheapest cars to insure in the UK, you can usually expect the same few cars to crop up time and again across many lists. Back in 2014 and 2015, we wrote about cars with cheap insurance and included a list of the cheapest cars to insure for new drivers as well as the cheapest cars to tax and insure in those years.

In this 2021 list of cheap cars to insure, it appears that we have numerous repeats of cars that have remained very affordable to insure, even five or six years on.

You’ll also find that many of the cheapest new cars to insure are also classed as city cars and superminis, which suggests that the smaller the vehicle, the cheaper it is to insure. This is not always the case of course, but there is a definite theme running throughout.

Naturally, the price of your car insurance is dependent on many factors including your age, gender, where you live, your occupation, your driving habits, plus much more. Therefore, it’s not guaranteed that you’ll benefit from cheap car insurance with every single car on this list, but as a general rule of thumb, we’ve narrowed it down to the top 10 cars that we deem as the cheapest to insure.

Let’s take a look at the best cars that are cheap to insure in 2021.

10 of the Cheapest Cars to Insure in the UK

1. Hyundai i10

Hyundai i10

[Image: Hyundai]

The Hyundai i10 was featured in our list of low insurance cars in 2015 and it remains to be one of the top cars with cheap insurance five years later.

This neat little model is known as one of the best compact city cars around and as it falls into the Group 1 insurance category, thanks to its small 1.0 litre engine, you can be sure that it’ll save you lots of money on your car insurance premiums.

It’s also considered to be one of the cheapest first cars to insure so if you’re looking to pass your driving test and purchase a nifty little runabout, the Hyundai i10 is a great (and relatively cheap to insure) option. 

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2. Seat Ibiza

SEAT Ibiza

[Image: SEAT]

While the Seat Ibiza isn’t exactly the cheapest car to purchase brand new, with prices starting from £16,000+, it is one of the cheapest cars for insurance.

It sits in the Group 2 insurance category and it’s often compared to the likes of the Ford Fiesta and Vauxhall Corsa in terms of style, performance and affordability to insure.

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3. Nissan Micra

Nissan Micra

[Image: Nissan]

Another addition to the Group 1 insurance category, the Nissan Micra is a compact car with a mere 1.2 litre engine, but it certainly packs a punch with its style and affordability.

It’s a cheap car to insure, so it’s ideal for first-time drivers who don’t often get much of a look-in when it comes to cheap car insurance.

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4. Volkswagen Up!

Volkswagen Up!

[Image: Auto Express]

The Volkswagen Up! is one of the cheapest small cars to insure and while it might look relatively small from its exterior, inside you’ll find a spacious and stylish interior, making it one of the best and cheapest cars to insure for new drivers who might be looking to take their friends out for a spin. 

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5. Toyota Yaris

Toyota Yaris

[Image: Toyota Yaris]

The Toyota Yaris is undoubtedly one of the cheapest family cars to insure. While the initial purchase of the Yaris might set you back a fair few thousand pounds, its low running costs, cheap car insurance and excellent comfort and state-of-the-art technology makes it well worth the price.

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6. Skoda Fabia

Skoda Fabia[Image: Skoda]

The humble Skoda Fabia boasts an array of different models that are all cheap to insure, including the Silverline, Blueline and Classic 3 and 5-door models.

While you certainly won’t be competing in a race with a sports car with the Skoda Fabia due to its small 1.0 litre engine, you will certainly enjoy receiving some of the cheapest car insurance quotes around.

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7. Volkswagen Polo

Volkswagen Polo

[Image: WhatCar?]

Another entry from Volkswagen in our list of the cheapest cars to insure; the Polo sits within the Group 1 insurance band thanks to its humble 1.0 litre engine. While this isn’t the speediest car on this list, it does offer a beautiful interior and a fancy touch screen entertainment system.

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8. Kia Picanto

Kia Picanto

[Image: Kia]

The Kia Picanto is one of the best cars for new and young drivers and it’s also one of the cheapest cars to insure for 17 and 18 year olds. It does have a pretty tiny boot, but what it lacks in boot space, it more than makes up for in its excellent usability and affordability to run.

Don’t forget that it also comes with the famous Kia 7-year warranty so you can rest assured that you’ll be well covered.

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9. Ford Fiesta

Ford Fiesta

[Image: Ford UK]

The beloved Ford Fiesta has frequented the roads of Britain for decades, so it comes to no surprise that it’s made our list of the cheapest cars to insure yet again.  

Fiestas are renowned for being well-built, cost-effective and extremely easy and comfortable to drive, so when you pair all those positives with the fact that the Ford Fiesta is cheap to insure, you’ve got a recipe for a very well-received vehicle.

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10. Skoda Citigo

Skoda Citigo

[Image: Electrive]

From times when the Skoda brand was the butt of many an auto-based joke, they’ve now completely overhauled their brand, so much so, that we’re now featuring not one, but two of their models in our list of the cheapest cars to insure.  

The Skoda Citigo is often compared to the Volkswagen Up! as it has very similar defining qualities such as spacious interiors, a sizeable boot and affordable running costs. It might not be the most aesthetically pleasing car on the market, but its cheapness to run makes it incredibly worthwhile.

The only way to know which vehicle will provide you with the cheapest car insurance quotes is to compare the cost of cover for different models and makes online; this will help you make an informed decision when deciding what car to purchase, particularly if you want to get the best deal and save money. To get started, simply tap the button below:

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