If you’ve seen or read the news recently, you might be aware that car insurance was big news again. The Association of British Insurers reported that car insurance premiums have hit the highest levels ever. They’ve done so at quite a rate - going up by more than five times the rate of inflation in 2016!

So, is there anything you can do about it and are there cheap cars to insure out there? Let’s find out.

Why is car insurance expensive?

It’s obviously a contentious subject but the ABI pointed to a few factors that are contributing. These include the rise of whiplash-style claims and costs, average repair bills up 32% over the past three years and higher insurance premium tax levied by the government. 

What influences the cost of my car insurance?

There are a number of factors that make car insurance more expensive for one person than another. These include:

What are the cheapest cars to insure?

Our experts have done some research to find out what are currently the cheapest cars to insure. Our average premiums are from comparethemarket.com data from 1st August 2016 to 31st January 2017 and are based on all our customer car insurance quotes, from people with different age ranges, addresses and driving histories. You may find a cheaper or more expensive quote based on your own personal circumstances.


Alternatively if you are a young driver, here are the cars we found were cheaper to insure for young drivers

Top 10 Cheapest cars to insure | comparethemarket.com

1) Skoda Yeti 

The Yeti, the small family SUV from Skoda, cost just £335.22** on average. The Yeti was one of the first small SUV’s on the market and provides all the practicality you’d want from a car of this type. Skoda of course has always been noted as providing value for money – it seems insuring one is similarly competitive.

2) Citroen C3 Picasso

At £352.95** on average, the C3 Picasso is second on our list. A practical small MPV, Citroen have designed a genuine car for the whole family - yet sized it on a supermini wheelbase. With the diesel capable of around 70mpg it could help keep your fuel bills down as well as insurance cost.

3) Dacia Duster

The Dacia Duster is a surprisingly cheap car to buy as well as insure for its size – and to insure it is £359.18** on average. Dacia pride themselves on providing good but not fancy functionality, keeping their cars as affordable as possible. Robust and reliable, the Duster has also won a number of awards since its launch in the UK back in 2013.

4) Hyundai ix20

Another compact MPV, the ix20 costs on average, £373.07** to insure. Hyundai are all about reliable cars that offer great value for money. The ix20 combines a decently sized cabin with its sliding rear seats helping to create even more room when the need arises. Clever.

5) Mazda CX5

Given the CX5 is a large SUV, you might not have expected it to appear on a cheapest car list but remember, those that drive the CX5 are likely to be older with more years driving experience. At £390.05** to insure on average, the spacious and economical CX5 could be a money saving option.

6) Kia Venga 2

At number six it’s Kia’s mini MPV which costs on average £393.53** to insure. The roomy interior is well designed and it comes with a variety of engines. While the 1.4 petrol model is usually cheapest to buy and boasts a perky 89bhp, the diesel models offer vastly superior mpg.

7) Renault Captur

We had more enquires about the Captur than any other car in our top 10. The funky and stylish Renault Captur, doesn’t cost the earth to insure, with drivers paying on average £393.66** a year. The popular compact car is styled similarly to the Renault Clio but boasts more room. This well-equipped car is refined, unfussy, and pretty economical to drive too.

8) Mitsubishi ASX

The ASX costs on average £397.55** a year on average to insure. As a compact SUV, the ASX combines SUV roominess with the compact sizing of a smaller hatchback. With competitive performance, the ASX is a good choice for those wanting a practical car that’s not going to break the bank to insure each year.

9) Suzuki SX4

Described as a fusion of supermini, SUV and 4x4, the SX4 is based on a stretched version of the Suzuki Swift. The result of a joint venture with Fiat, the Italian styling influence is noticeable - it looks suitably chunky and funky. Costing £399.32** on average a year to insure, the SX4 is a good choice for those wanting to save on their car insurance.

10) Renault Scenic

Rounding off our top 10, is the second Renault on our list. Costing £407.30** on average to insure, the Scenic is a popular and practical MPV. With stylish good looks and massive - for its size - 20-inch wheels, the Scenic is a head turner. Inside it’s well equipped, has loads of useful storage and sufficient space to keep driver and passengers alike happy.

How can I compare car insurance quotes? 

One of the surest ways to ensure you get your car insurance as cheaply as possible is to compare quotes. Car insurance may have got more expensive generally but it’s also very competitive.

Comparing quotes is really simple to do too and, it won’t take more than a few minutes of your time. Give us a few details about you and the car concerned and we’ll show you your available quotes.

Try it today and see how much you could save on your car insurance with our car insurance comparison service.

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