You must be insured to be on the roads. So when looking for your next
car, a big factor in choosing that vehicle may be how cheap it is to insure.
The cheapest cars to insure are typically less powerful, smaller vehicles that are deemed some of the safer cars on the market.
This article will outline some of the cheapest cars for insurance, highlighting key models that offer a balance of affordability, safety features, and low insurance premiums, making them excellent choices for budget-conscious drivers.
Please note that all the car models listed on this article today offer variants that fall under the cheapest insurance group (1).
What are the cheapest cars to insure in the UK?
The cheapest cars to insure in the UK are typically small, low-powered hatchbacks in insurance group 1. Popular examples include the Citroen C1, Hyundai i10, Volkswagen up!, and Fiat Panda.
Best Cars for Insurance 2026:
- Citroen C1
- Skoda Fabia
- Volkswagen up!
- Vauxhall Corsa
- Kia Rio
- Hyundai i10
- Fiat Panda
- Volkswagen Polo
1. Citroen C1
Citroen have made their name through production of small and reliable vehicles for over 100 years.
Even if there’s many Citroen models that can make this list, the
Citroen C1 is amongst the cheapest cars to insure out there.
The C1 1.0i Vibe (2005-14) falls under the 1 insurance group, with prices being very low for both young and old drivers for insurance.
A nimble car that is both safe and reliable, the Citroen C1 is a great option when looking for a cheap car to insure.
2. Skoda Fabia
Skoda are a Czech car manufacturer that has been producing some of the most reliable vehicles on the market.
One of their more compact cars is the
Fabia, a small hatchback that Skoda has been producing since 2002.
The Skoda Fabia 1.0 MPI S, SE, and SE (2015-21) drive all fall under the cheapest insurance group, making these variants some of the cheapest cars to get insured.
No matter what the age or experience of driver, the Skoda Fabia is a terrific option not just to drive, but to get cheaply insured.
3. Volkswagen up!
Volkswagen are known to be one of the most reliable car brands in the world.
The cheapest of their models to insure is the
Volkswagen Up, a small hatchback manufactured by VW from 2011 to 2023.
The Take Up, Move Up, and High Up (2012-23) variants all fall under the 1 insurance group, making the vehicle very attainable with multiple versions of the model being cheap to insure.
Even if the up! is discontinued, the newer versions of the model are still fantastic options as a used car that is very cheap to insure.
4. Vauxhall Corsa
Vauxhall are a British car brand that have made some of the most popular models in the UK.
Amongst these popular models is the
Vauxhall Corsa. Not only is the Corsa a reasonably priced car to purchase, but it’s also very cheap to insure.
The variant that falls under the category 1 insurance group is the Corsa Expression 1.0i, making it the cheapest Vauxhall car to insure today.
An easy car to drive, reliable, and cheap to get insurance, the Corsa has remained a popular choice for motorists for those reasons alone.
5. Kia Rio
Kia are a South Korean car brands that manufactures quality vehicles around the world.
If you long for an affordable Kia car, look no further than the
Rio, a hatchback car that was released by Kia back in 2001.
A popular vehicle for first time drivers, the Kia Rio 1 Air (2011-17) falls under the 1 insurance group bracket, making it one of the cheapest car insurances out there.
An efficient car with great insurance prices, the Kia Rio is a great budget-friendly option.
6. Hyundai i10
Hyundai has established a reputation for producing reliable and affordable vehicles, and the
Hyundai i10 is no exception.
This compact city car has been a favourite among drivers looking for a budget-friendly vehicle that doesn't compromise on quality.
The Hyundai i10 1.0 S, S Air, and SE (2014-20) models all fall within the 1 insurance group, making them some of the cheapest cars to insure on the market.
With a combination of low insurance premiums, excellent fuel efficiency, and Hyundai's renowned reliability, the i10 is an outstanding choice for those seeking an economical vehicle.
7. Fiat Panda
Fiat has a long history of producing small, versatile vehicles, with the
Fiat Panda is a prime example of this.
The Panda has been a staple of the city car segment since its launch in 1980, offering practicality and affordability in a compact package.
The Fiat Panda Active edition (2004-11) is placed in insurance group 1, making them some of the cheapest options for insurance.
Whether you're a new driver or simply looking for a cost-effective car to run, the Fiat Panda is a fantastic choice with its low insurance costs and charming, functional design.
8. Volkswagen Polo
Volkswagen's reputation for building high-quality, dependable cars extends to the
Polo, one of their most popular small cars.
The Polo has been a trusted companion for drivers worldwide since its introduction in 1975.
For those prioritising low insurance costs, the Volkswagen Polo 1.0 S, SE, and Beats (2014-present) variants are excellent choices, all of which fall under the 1 insurance group.
The Polo combines the best of German engineering with affordability, making it a smart option for anyone looking for a reliable car with minimal insurance expenses.
What Makes a Car Cheap to Insure?
Cars are cheaper to insure when they:
- Have small engines (e.g. 1.0L)
- Are inexpensive to repair
- Have strong safety ratings
- Are less likely to be stolen
- Fall into lower insurance groups (1–10)
Cheap Cars to Insure in the UK
Whether you're a first-time driver or someone looking to reduce your running costs, opting for a car in the lower insurance groups can lead to substantial savings over time.
By selecting any of the model variants highlighted in this article today, you can enjoy peace of mind knowing you're driving a vehicle that's affordable to insure and maintain.
These cars remain some of the best options for those looking to minimise their insurance expenses without sacrificing the key qualities that make driving enjoyable and stress-free.
FAQs:
What is the cheapest car to insure in the UK?
Cars in insurance group 1, such as the Citroen C1 and Hyundai i10, are among the cheapest to insure.
Are smaller cars always cheaper to insure?
Generally yes, as they have smaller engines and lower repair costs.
What insurance group is best for young drivers?
Groups 1–5 are ideal for young or new drivers.
Does engine size affect insurance?
Yes, larger engines increase insurance costs due to higher risk.
Can I lower my insurance costs?
Yes - by choosing a low group car, increasing excess, and adding a named driver.
