Top Five Cheap to Insure Cars


There are lots of variables that affect how much you pay for car insurance – where you live, your job and your driving history, for example. There’s one sure-fire way to reduce your premiums, however, and that’s by choosing a car with a low insurance group rating.

We’ve chosen some of the most appealing new cars with group one or two ratings. These cars are as cheap to insure as it gets, but don’t provide much in the way of performance or equipment. Higher-spec versions get more of both, with a corresponding rise in premiums.


1. Seat Mii/Skoda Citigo/Volkswagen Up (1.0 59bhp models)


Insurance group: 1E

City cars don’t get any better than this closely related VW Group trio. There are styling differences at the front and rear of each car, but otherwise they are identical.

The 59bhp three-cylinder petrol engine in all three is eager, refined and delivers excellent fuel economy. With classy cabins and remarkably sophisticated driving manners, this is the acceptable face of budget motoring.

A few hundred pounds upgrades you to better kit and 74bhp, but bumps the insurance rating up to group two.


2. Dacia Sandero 1.2 16V 75  


Insurance group: 2E

The Dacia Sandero is the car for people that don’t really like cars; the Renault-owned Romanian brand’s products are little more than white goods, with few concessions to style or luxury.

Based on borrowed Renault mechanicals they are also incredibly cheap, drive (just about) well enough and provide a lot of space for the money.

The entry-level Sandero has the lowest list price of any car in the UK, but doesn’t even get colour-coded bumpers. Go for the priciest Lauréate trim and you get four electric windows, air-conditioning and electric door mirrors, still for less than £8,000.


3. Vauxhall Corsa 1.0i 12V


Insurance group: 1E/2E

The Vauxhall Corsa is the only full-size supermini (rather than “city car”) with a group one insurance rating, but that gives you the choice of only the most basic versions. If you want a decent standard of kit you need to go for the slightly pricier models, which still only sit in group two.

Although the Corsa isn’t in the first flush of youth and is not as much fun to drive as a Ford Fiesta, it looks the part inside and out and big discounts on the list price aren’t hard to come by.


4. Toyota Aygo 1.0 VVT-i


Insurance group: 2E

The Toyota Aygo is another car from a trio of closely related models. In this case it’s almost identical to the Citroën C1 and Peugeot 107, but due to the vagaries of the various model ranges the Toyota has generally lower insurance group ratings.

The VW Group’s city car triumvirate has eclipsed the Aygo for budget car appeal, but it’s still worth a look thanks to its cute styling, eager three-cylinder engine and rock-bottom running costs.


5. Fiat Qubo 1.4 8V Active


Insurance group: 2E

Bet you didn’t think you couldn't buy a new MPV with a group two insurance rating. The Fiat Qubo is just that, and although it has only five seats and isn’t a match for the likes of a Ford C-Max (let alone an S-Max), it’s more practical than most cars at this price, with sliding rear doors and a massive boot.

If it looks like a van with windows there’s a good reason for that – it is. As a result the cabin and driving experience aren’t the last word in sophistication.




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