Car insurance is a reality check we all have to face, and let’s be honest—it’s been feeling more like a gut punch lately with prices rising steadily over the past year or two. For new drivers, young folks, or those with a history of penning a few parking tickets, the cost can be a serious wallet-bleeder.
Insurance companies seem to have a checklist as long as a grocery receipt, considering everything from your driving history to the type of car you drive, and even your job. Oh, and don’t forget the miles you rack up annually! So, whether you're a speed demon or a Sunday driver, these factors all add up to determine your premium.
Fiat Panda
This is one of the cheapest cars for you to insure it may not be the most glamorous car or powerful, but it is one of the reasons why the 1 litre us so cheap as such a simple and cheap car to run.
Toyota Aygo X
The Toyota Aygo X is an excellent city car with a 1-litre engine. While it may be pricey to buy and has modest power, taking 14.9 seconds to go from 0-62 mph, it is inexpensive to run and offers excellent fuel efficiency, managing up to 50 mpg. It also comes with low insurance costs, impressive safety features, and a generous 10-year warranty.
However, practicality may not be its strong suit, as it has a small boot and limited passenger space. But overall that what makes this car cheap to insure.
Volkswagen Polo
The classy Volkswagen Polo is a well-known car that feels more spacious than its size suggests. It's comfortable to drive and features a touchscreen infotainment system.
The Polo equipped with the 1-litre petrol engine stands out as an excellent choice for those looking for a car with affordable insurance rates. Its low insurance costs make it an ideal vehicle for city driving. However, if you frequently travel long distances on the motorway, you might want to consider investing in a model with a larger engine for enhanced performance and comfort on longer journeys.
Kia Picanto
A good choice when it comes to small hatchbacks with some would say funky styling and surprisingly has a lot of good standard equipment with a nice smart interior. If you go up one trim level you get Bluetooth and climate control so it is worth considering. The 1.0-litre engine does well for urban driving and running doesn’t cost much, especially for town and city driving.
Dacia Sandero
A spacious car that is affordable to buy and even offers a 4x4 option if desired. The smallest engine available is a 1.2-litre petrol engine, while a 1.6-litre hybrid option is also available for those seeking a more eco-friendly choice with lower running costs. This car represents excellent value for money, providing a lot for its price.
The Sandero comes well-equipped with standard features, including Bluetooth connectivity, climate control, and a touchscreen infotainment system.
Seat Ibiza
The Ibiza is a practical car that offers plenty of space for adult passengers to sit comfortably. It features a touchscreen infotainment system, a leather steering wheel, automatic headlights, and alloy wheels. Its 1-litre petrol engine contributes to low insurance costs, making it an economical choice. The Ibiza is also great value for money, providing a fun driving experience and excellent handling.
Skoda Fabia
The Fabia's entry-level 1.0-litre MPi engine may not be the fastest, taking 15 seconds to go from 0-62 mph, but it offers great value for money. The interior is comfortable, featuring high-quality materials and user-friendly controls, and the ride quality is commendable, providing a smooth driving experience. Ideal for urban driving, the Fabia is also quite spacious, easily accommodating passengers and cargo. It comes with a host of standard equipment, including advanced safety features and a modern infotainment system, making it a well-rounded choice for those seeking a reliable and economical car.
However, if you need something better suited for long commutes or motorway driving, you might want to consider moving up a trim level. Keep in mind that this will bump up the car insurance group.
Hyundai i30
A family-friendly small SUV with a 1.0-litre petrol engine, the Hyundai i30 stands out as one of the more efficient options in its category. The inclusion of mild hybrid technology enhances its efficiency and reliability, making it an excellent choice for those seeking a practical and economical vehicle.
Inside, the Hyundai i30 offers a spacious and sensible layout, providing ample room for passengers and cargo. It is a straightforward, no-nonsense car that delivers good value for money. While it may not offer the most exhilarating driving experience, it excels in practicality and comfort, making it an ideal option for everyday family use with low insurance cost.
