The Cheapest Cars to Insure in the UK
Updated 16 October 2026 · 6 min read
Which cars cost least to insure? See the types of low insurance group cars that keep premiums down, especially for new drivers.
Key takeaways
- Small, low-powered city cars sit in the lowest insurance groups.
- Check the exact trim — groups can differ within the same model.
- Modifications almost always raise your premium.
This guide is part of our full guide to car insurance for young and new drivers. You may also find these useful: car insurance groups explained (1–50) and cheapest cars to insure for an 18 year old male.
What makes a car cheap to insure
Every UK car sits in one of 50 insurance groups. Lower groups mean cheaper cover. Groups reflect repair costs, parts prices, performance, security and safety.
Typical low-group cars
Popular models often found in low groups include:
- Hyundai i10 and Kia Picanto
- Volkswagen Up, Skoda Citigo and SEAT Mii
- Toyota Aygo X
- Fiat 500 and Fiat Panda
- Dacia Sandero
- Vauxhall Corsa (lower-spec trims)
Check the group before you buy
Engine size, trim level and even optional extras can shift a model up a few groups. Always look up the exact version, then get a quote on the registration before handing over money.
Avoid costly extras
Alloy wheel upgrades, body kits, tinted windows and performance tweaks are all modifications you must declare — and they usually push prices up.
This guide is general information, not financial advice.