The Cheapest Cars to Insure That Could Be a Great First Car

There are several expenses you need to prepare for when owning a car. 🤔 One of them is car insurance. If you’re looking for the cheapest cars to insure, we’ve come up with a list that you can use as your guide while you’re shopping for a new car. Let’s check them out!

What are Insurance Group Ratings?

Every car is categorised by insurance group rating, ranging from 1 to 50. The rating sticks with the vehicle all throughout its lifetime. However, insurance premiums will be adjusted to reflect the value and age of a particular model as well. As you can imagine, the cheapest vehicles are in the lowest group ratings. For this particular list, we’re going to look at cars from insurance groups 1 to 4. 

Ford Fiesta

We did have the humble yet iconic Ford Fiesta on our list, as a 3 door starts at insurance group 2,  but have had to update it.  If you want a new Ford Fiesta you'll need to grab one quickly  while you still can, as Ford announced they are ceasing production from June 2023! But such a high profile car will still be around for a while in terms of great second hand deals, so keep a look out! 

Kia Rio 1.25 DPI 83PS

The Rio is a practical car that your whole family can use. It has a 325-litre boot that can accommodate luggage for those family trips. This car can seat four adults so it has sufficient space for a group of friends or your family. Trim levels 1 and 2 are included in the insurance group 4. The Kia Rio has automatic headlights and a follow-me-home feature. You may choose trim level 2 to get extras such as cruise control and smartphone connectivity. 

SEAT Ibiza SE 1.0 MPI 80PS

The Ibiza is another large car that is cheap to insure. It belongs to the insurance group rating number 3. It’s also a practical vehicle that is available as a 5-door, providing you with enough space for the passengers as well as easy accessibility. It has a boot space of 355 litres so there’s ample room for your luggage. The Ibiza also has a 6.5” touchscreen infotainment system, including smartphone connectivity, plus 15” alloy wheels. 

Renault Clio Play 1.0 SCe 71bhp

The Clio Play is another vehicle under category 3 and is a popular car from Renault. This French hatchback has been around for over three decades and many car owners love it. For the latest generation Clio Play, the iconic characteristics are still there and still as affordable. The base trim level includes many great features like the hill start assist, cruise control, Easy Link Navigation, and a 7” touchscreen infotainment system.

Nissan Micra 0.9 IG-T 92PS

The latest Micra has improved so much compared to the Micras of the past. It’s more stylish and the interiors are impressive. The Micra is now more appealing to a wider audience and is becoming more mainstream. It has four trim levels, all of which are under insurance rating group number 3. The base trim level has automatic wipers and headlights and Intelligent Emergency braking with pedestrian recognition. Higher trim levels include cruise control and other exciting features. 

Hyundai i10 SE Connect 1.0 MPI 67PS

If you’re looking for a small car with the latest tech features and still under the insurance rating group number 3, you may want to consider the i10 from Hyundai. The latest model is a bit longer compared to its predecessor so you can expect more room in the car. As for the onboard technology, it has also been updated with an 8” touchscreen infotainment system with Apple CarPlay, Android Auto, DAB, and Bluetooth. 

Volkswagen Up! 1.0 65PS

Don’t be deceived by this small car from Volkswagen because Up! is actually quite sophisticated. It has a 3-cylinder engine that can get you up to 55mpg. It’s also a great car for driving around town but you can still comfortably drive it in the motorway. Up! belongs to insurance rating group number 2 so it’s a lot cheaper to insure. It’s perfect for young drivers who are looking to buy their first car. The base trim level is already awesome but if you want something fancier, you can always choose a higher trim level. The R-Line is sportier but it falls in group number 3 in the insurance rating. 

Volkswagen Polo Match 1.0 Evo 80PS

Now we get to a car under insurance group number 1, the cheapest cars to insure. The Polo from Volkswagen is a reliable supermini with quality interior and ample equipment to ensure comfortable and safe driving. It might be just a bit more expensive compared to other similar models but if you’re looking for an alternative to Audi A1, Mini hatchback, or other premium cars, then this is it. The Polo Match has front and rear parking sensors, cruise control, Auto Emergency Braking, and Driver Alert system. 

Skoda Fabia SE 1.0 MPI 60PS

For car buyers who want something practical, affordable, and reliable, the Fabia is a good choice. You won’t have a hard time driving it because this supermini is simple to use. This car also falls under insurance group number 1 so insuring this car won’t break the bank. Some of the features of the Fabia are the SMARTLINK+ system with Android Auto and Apple CarPlay connectivity, cruise control, parking sensors, and 15” alloy wheels. It’s a great choice for driving around town and you won’t have to worry much about the running costs because this one’s highly efficient. 


You might have thought that all cars are expensive to insure. But as you can see from this list, you have plenty of options to choose from if you’re looking for the cheapest cars to insure. 😀 Ensure you learn more about the car you like so that you’ll know what to expect from it, especially when it comes to maintenance and running costs, as well as other expenses like insurance cover.