Top 10 cheapest cars to insure
Sky-high insurance bills can take the shine off selecting your next new car, so check out our list of the 20 cars with the lowest annual premiums...
The cheapest cars to insure from 10 to 1
10. Fiat 500
Cost of insurance £256
Fiat retained the petrol-engined versions of its 500 city car, unlike some brands that consigned them to the bin when they introduced pure electric versions. That’s good news for savvy car buyers because the 500 – now called 500 Hybrid – is affordable to buy and run.
It’s also distinctive looking and easy to drive, although the engine can sound coarse and the ride is unsettled over potholes, so it’s not the most refined city car. Pop trim, on which our insurance price is based, is pretty basic, and we’d pay more for a Lounge model to get more kit and a superior infotainment system.
9. Fiat Panda
Cost of insurance £253
The Panda is outclassed by newer rivals, such as the Hyundai i10 and Kia Picanto, but some people will simply fall for its quirky looks. The fact that it’s marginally cheaper to insure may also be a plus point, just make sure you test drive the alternatives before committing to it because it’s slow and not great to drive and it isn’t equipped with the same level of safety kit as many other small cars.
8. Citroen C3 Aircross
Cost of insurance £247
Not only is the C3 Aircross temptingly affordable to buy, it’s also cheap to insure compared with other small SUVs, such as the Ford Puma and Volkswagen T-Roc. It has a bright, airy interior, plenty of space for four to travel in comfort and good visibility for front seat passengers. With plenty of options to personalise your car, the C3 may also appeal to young, style-conscious drivers. Just don’t expect the handling prowess of a Ford Puma, or the value retention of German alternatives.
7. Citroen C1
Cost of insurance £246
Affordable to buy and own, the C1 city car is popular with new drivers and as a second family motor. It’s simple to buy, too, because there’s only one engine option; this three-cylinder 1.0-litre petrol unit that’s fine for pottering around town but a bit underpowered for higher-speed drives. It may not be the most sprightly, but the 72bhp unit is frugal; it achieved an impressive 54mpg in our TrueMPG test. If you go for mid-range Flair trim, it’s fairly well kitted out for a city car, too, with alloy wheels, a reversing camera, touchscreen stereo system, manual air-con and electric windows.
6. Renault Captur
Cost of insurance £239
The Captur was one of the first small SUVs, and it’s the most affordable to insure, pitching in at a similar price to far smaller city cars. The second generation Captur, introduced in 2019, is roomier and plusher than the original, and it has lots of safety kit. There’s no need to splash out on a pricey trim because entry level Play comes with cruise control, automatic lights and wipers, power-folding door mirrors, keyless entry and air-conditioning.
The 108 is similar under the skin to the Citroen C1 and Toyota Aygo, but it’s the cheapest of the three to insure. It’s also quieter and more comfortable over potholes than its siblings, although it doesn’t manage the refinement of the Hyundai i10 or Volkswagen Up. That said, its 1.0-litre engine is frugal and it’s well-equipped for such an affordable model, so there is a lot to recommend it.
4. Renault Clio
Cost of insurance £222
It’s easy to see why the Clio is so popular with young and new drivers; it’s cheap to buy and practical enough for a family. Although the non-turbocharged 1.0 SCe 65 petrol engine is the cheapest to insure, it’s also the slowest of the line up, so we’d recommend opting for a 1.0 TCe if you can afford the slightly higher buying and running costs. Although entry-level Play trim provides all the basic niceties, opting for Iconic adds all-round electric windows, a built-in sat nav and rear parking sensors.
3. Volkswagen Polo
Cost of insurance £218
The Polo may have spent its life in the shadow of its highly-competent big brother, the Golf, but it shouldn’t be underestimated. Our insurance price is for the 1.0 petrol model in Match trim, but whichever version you go for you’ll get a car that’s good to drive, comfortable and smart and roomy inside. The fact that it’s likely to retain its value better than rivals simply adds to its appeal.
2. Seat Ibiza
Cost of insurance £206
It may be similar under the skin to the Volkswagen Polo, but the Ibiza trumps it for driving enjoyment and value for money. Our insurance quote is for the non-turbocharged 79bhp 1.0 petrol, which is the cheapest version you can buy. If you can afford a bit more we’d recommend the more powerful, turbocharged 1.0 TSI 95 because it pulls eagerly from low revs and copes better with higher speed driving. Sticking with the cheapest SE trim isn’t a bad option though, as it comes with automatic headlights, electrically adjusting door mirrors, metallic paint and a 6.5in infotainment system.
1. Skoda Fabia
Cost of insurance £189
No wonder 4.5 million Fabias have hit the roads since it was originally launched in 1999. It’s affordable to buy, has a premium feel inside and out – and it’s the cheapest car to insure.
Our quote is for the lowest powered, non-turbo 1.0-litre petrol version, which is being phased out later this year. It’s performance won’t set the world alight, but it’s worth seeking out if you want low ownership costs because it’s the only model here to cost less than £200 a year to insure. In our chosen SE trim, it provides a decent amount of creature comforts, including air con, parking sensors and a colour touchscreen infotainment system.
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