What are the cheapest cars to insure?

  • Our top cars for group 1 insurance
  • Pros and cons for each plus used car pricing
  • Top tips to help you find a good deal included
  • Our top cars for group 1 insurance
  • Pros and cons for each plus used car pricing
  • Top tips to help you find a good deal included

High insurance premiums keeping you off the road? Getting yourself behind the wheel of a low insurance group car possible is one of the most effective ways of reducing your premiums – so we’ve dug out a list of group 1 cars to help get you started. 

Once you’ve chosen a motor, make sure you get the best quote by heading over to comparison experts Mustard.co.uk which works with a huge range of insurance brokers.

Don’t forget to check out our Cars for Sale section for the latest deals on new and used cars. And when you come to sell your current car, make sure you get a free car valuation with us to ensure you get the right price.

If you’re considering buying a new car on finance, make sure you visit our finance section for a quote - we work with more than 21 lenders to give our customers access to more than 100 different lending options.

 

Skoda Citigo (12-)

Pros: Compact dimensions, well-built, low running costs

Cons: Bland design, steering too light, rivals more engaging

Slightly cheaper than its SEAT Mii and Volkswagen Up siblings, the Skoda Citigo shares their key attractions. Inside you’ll find a high-quality cabin for four, making the Mii feel like a much bigger car than its diminutive exterior dimensions suggest. Choose the 60hp version of the 1.0-litre petrol engine for ultra-low insurance group 1 rates. It’s no ball of fire, mind – 0-62mph takes more than 14 seconds.

Emissions are quoted at 101g/km CO2 but that drops to 96g/km for the Greentech versions, with claimed average fuel economy of between 64 and 68mpg.

Parkers star rating: 4 stars 

Pick of the range: 1.0 MPI SE GreenTech 3dr or 5dr (12-)

Insurance group: 1

Click here to read our full review of the Skoda Citigo

To view the latest Skoda Citigo cars for sale click here


Vauxhall Corsa (06-14) 

Pros: Excellent build quality, safe handling, roomy and comfortable cabin

Cons: Lacklustre petrol engines, lack of cabin stowage 

It may not be the latest model, but there’s still plenty to like about the previous generation Vauxhall Corsa supermini. Not least of which is the potential for Group 1 insurance, available on base-spec 3d Expression trim models with the 1.0-litre petrol engine. 
Aim for 2010 ecoFLEX models if you want the slightly punchier 65hp engine, but don’t expect miracles. Acceleration is best described as boy-racer-proof, taking 17 seconds to hit 60mph.

It may not be the latest model, but there’s still plenty to like about the previous generation Vauxhall Corsa supermini. Not least of which is the potential for group 1 insurance, available on base-spec 3d Expression trim models with the 1.0-litre petrol engine. 

Aim for 2010 ecoFLEX models if you want the slightly punchier 65hp engine, but don’t expect miracles. Acceleration is best described as boy-racer-proof, taking 17 seconds to hit 60mph.

Parkers star rating: 4 stars 

Pick of the range: 1.0 (65hp) ecoFLEX Expression 3d (2010) 

Insurance group: 1

Click here to read our full review of the Vauxhall Corsa (06-14)

To view the latest Vauxhall Corsa (06-14) cars for sale click here

 

Citroen C1 (05-14)

Pros: Cheap to run, great fun to drive, fits in the smallest spaces, nippy petrol engines

Cons: Tiny boot, noisy on motorway

Simple and reliable yet great fun to drive, the C1 was conceived as part of a Toyota-Peugeot-Citroen platform share, and is thus mechanically identical to its siblings. And yet, the C1 is the only car to enjoy group 1 insurance status with its 1.0-litre Vibe and Airplay models. 

Like the Corsa, it may only be packing a measly-sounding 69hp but 0-62mph is taken care of in a much more reasonable 13.3 seconds. Fuel economy is a claimed 61mpg over mixed driving conditions.

Parkers star rating: 4 stars 

Pick of the range: 1.0i Airplay 5d (06-07)

Insurance group: 1

Click here to read our full review of the Citroen C1 (05-14)

To view the latest Citroen C1 (05-14) cars for sale click here


Fiat Panda (04-11)

Pros: Easy and fun to drive, great value, cheeky looks, well-built interior

Cons: Boot space is tight, split folding seats aren't standard, offset pedals

The original Fiat Panda was a low cost, compact, cheap to run, lightweight car. The new Panda stays true to that ethos but unlike the earlier version, is well built, comfortable and durable. Thanks to the upright body it's also surprisingly spacious inside and can easily carry two adults, a couple of kids and luggage (if you pack carefully).

And unlike most of the cars on our list there’s a five-speed automatic option which squeezes under the insurance group 1 threshold.

Parkers star rating: 4 stars 

Pick of the range: 1.2 Dynamic 5d AC (also available in auto) (04-09)

Insurance group: 1 

Click here to read our full review of the Fiat Panda (04-11) 

To view the latest Fiat Panda (04-11) cars for sale click here

  

Hyundai i10 (14-)

Pros: Spacious, well-made interior, comprehensive warranty

Cons: Lacks appeal for enthusiastic drivers, base model lacks equipment

Hyundai’s original i10 was cheap, functional transport that gained popularity thanks to the scrappage scheme, but the latest model is altogether different. Hyundai claims this is a city car people would choose to own, reflected in its more interesting design, much-improved fit and finish and enhanced ride and handling, although it’s not for enthusiasts.

All i10s come with five doors and there’s a choice of two engines. For the low group 1 insurance banding you’ll need the pre-2016 facelift 1-litre petrol: in standard form Hyundai claims it’ll achieve 60mpg with CO2 emissions of 108g/km, however the slightly more frugal Blue Drive manages 61mpg and 106g/km. 

Parkers star rating: 4 stars 

Pick of the range: 1.0 BlueDrive SE 5d (August ‘15 to December ’15) or 1.0 SE 5d (14-17)

Insurance group: 1

Click here to read our full review of the Hyundai i10

To view the latest Hyundai i10 cars for sale click here 

 

Kia Rio (11-17)

Pros: Attractive, well-equipped, industry-leading seven-year warranty

Cons: Vague steering, small petrol engine lacks punch

Your neighbours might not be leaning over the fence lusting after your Kia Rio but it’s a competent, spacious five-door hatchback with the peace of mind of a seven-year warranty.

Entry-level Rios fall into insurance group 1 and in terms of engines the 1.1-litre CRDi diesel may be slow, but it’ll average an exceptional 78mpg.

Parkers star rating: 4 stars 

Pick of the range1.1 CRDi 1 Air 5d (2015)

Insurance group: 1

Click here to read our full review of the Kia Rio (11-17)

To view the latest Kia Rio (11-17) cars for sale click here

 

Volkswagen Fox (06-12)

Pros: Easy to drive, cheap to run

Cons: Mediocre levels of standard equipment, drab interior, lacks fun to drive feel of many other small cars

The Fox may have only lasted one generation in the UK – before making way for the Up – yet it remains one of the cheapest Volkswagens to insure. 

Standard trim or Urban 1.2-litre models return almost 50mpg on the combined cycle and are the pick of the bunch for cheap insurance.  

Parkers star rating: 3 stars 

Pick of the range1.2 Urban Fox (06-12)

Insurance group: 1

Click here to read our full review of the Volkswagen Fox (06-12)

To view the latest Volkswagen Fox (06-12) cars for sale click here


Chevrolet Spark (10-15) 

Pros: Good value for money, comfortable and easy to drive, ample rear passenger space, cheap to run

Cons: Some cheap feeling interior plastics, entry-level model is sparsely equipped

What the Chevrolet Spark lacks in glamour it makes up for inn ease of use and rear passenger space. There’s also decent economy on offer from the 1.0-litre petrol engine, with claimed average fuel consumption of 55mpg.

Parkers star rating: 3.5 stars 

Pick of the range: 1.0i Standard trim (10-11)

Insurance group: 1

Click here to read our full review of the Chevrolet Spark (10-15)

To view the latest Chevrolet Spark (10-15) cars for sale click here

 

Ford Ka Plus (16-) 

Pros: Competitive Ford finance deals, well-equipped, space for four passengers

Cons: Bland styling compared with rivals, few personalisation options, interior design could be bolder

Replacing the popular three-door Ka was never going to be an easy task, but the larger Ka Plus has almost all the ingredients for an excellent city car. Spacious, nimble and affordable, it’s only the car’s bland looks which let it down. 

Opt for the Studio-spec 1.2-litre 70hp model and fuel economy is rated at 56mpg on the combined cycle, with, 0-62mph taken care in in a leisurely 16 seconds. 

Parkers star rating: 4 stars 

Pick of the rangeStudio 1.2 Ti-VCT 70PS 5d (16-)

Insurance group: 1

Click here to read our full review of the Ford Ka Plus

To view the latest Ford Ka Plus cars for sale click here


Top tips for buying low insurance cars

Insurance group guidance

While low insurance groups are attractive they don’t guarantee low premiums. Many other factors affect how much you’ll pay for your annual renewal including crime reports in the vicinity of your postcode, whether the car’s garaged, on a driveway or left on the road overnight and even the type of job you do.

Do your homework

There are dozens of insurance companies out there so don’t necessarily assume your existing provider is offering the best deal: customer loyalty doesn’t guarantee a good price. Use an online comparison tool, such as Mustard.co.uk to view a range of competitive quotes.

Meagre standard kit

Many cars that fall into the lowest insurance group bands are entry-level models with much less in terms of standard equipment than others higher up the range. Take time to decide what kit you can’t live without before buying a car, but keep a close eye on how that affects insurance groups and likely costs.

Fuel for thought

Not only are the equipment levels usually spartan on low insurance group cars, it may be you can’t have the engine you desire too. If you cover high annual miles then you’ll probably need a diesel but the cheapest model to insure may have petrol power.

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