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What are the cheapest cars to insure?

What are the cheapest cars to insure?

Despite a slight drop in average car insurance costs, premiums still remain expensive. According to our latest Premium Drivers Report (September 2019), the average cost of car insurance in the second quarter of this year (across all age groups) was £707. We look at whether it’s possible to find cheaper cars to insure…

Daniel Hutson
From the Motor team
5
minute read
posted 4 NOVEMBER 2019

Why is car insurance so expensive?

There are a few possible contributing factors to the high cost of car insurance, including:

  • higher insurance premium tax of 12% levied by the Government
  • changes to the rate of personal injury compensation that payments are based on.

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 can include:

  • your age
  • your car make and model
  • your address
  • your average yearly mileage
  • your driving history

What are the top 10 cheapest cars to insure?

According to our latest data, these are the top 10 cheapest cars to insure:

Top ten cheapest cars to insure

Car model Average premium
Dacia Logan £324.69
Volvo C70 Coupe £330.14
Skoda Yeti £333.98
Citroen C3 Picasso £333.08
Skoda Karoq £358.27
Suzuki Splash £358.84
Dacia Duster Comfort SCe 115 £362.82
Dacia Sandero £365.84
Mazda CX-3 £367.22
Dacia Sandero Stepway Ambiance TCe 90 £372.17

**Average price amount based on the top five quotes from Compare the Market data from 1 July to 1 October 2019. The average is based on all variations of the vehicle model and uses risk data from people with different age ranges, addresses and driving histories. You may find a cheaper or more expensive quote based on your circumstances.

1. Dacia Logan

One of the most affordable estate cars on the market, the average cost to insure the Dacia Logan is £324.69**. Offering a comfortable ride, it rates high on practicality too, boasting a 573-litre boot space and foldable rear seats.

2. Volvo C70 Coupé

With its folding hardtop roof, Volvo’s stylish convertible coupé isn’t just a winter and summer favourite – it’s also cheap to insure at an average cost of just £330.14. The car offers room for four passengers and there’s a choice of engines and manual or automatic transmission.

3. Skoda Yeti

The Yeti, the small family SUV from Skoda, costs just £333.98** on average to insure. One of the first small SUVs on the market, the Yeti provides all the practicality you’ll want from a car of this type. Skoda has always been noted as providing value for money, and it seems insuring one is similarly competitive.

4. Citroen C3 Picasso

At £333.08** on average to insure, the C3 Picasso is fourth on our list. A practical, small MPV, Citroen has designed a genuine car for the whole family yet sized on a supermini wheelbase. With the diesel capable of around 70mpg, it could help keep your fuel bills down as well as the cost of your insurance.

5. Skoda Karoq

The award-winning Skoda Karoq is compact, comfortable and easy to drive. It’s also relatively cheap to insure at £358.27** on average, making it one to look at if you’re after a family SUV. There’s a choice of manual and automatic versions. At the top of the range, there’s also a four-wheel drive version.

6. Suzuki Splash

A five-door family car that’s good for city driving, the Suzuki Splash has a spacious feel and a boot big enough for the weekly shop. As well as being economical to run with a petrol average of 57mpg, it’s also cheap to insure at an average of £358.84.**

7. Dacia Duster Comfort SCe 115

This second-generation Duster is a surprisingly cheap car to insure for its size - £362.82** on average. Dacia provides good, but not fancy, functionality, and keeps its cars as affordable as possible. With practicality and style, combined with lighter steering, this model won’t disappoint Duster fans.

8. Dacia Sandero

As well as offering budget purchase prices, this award-winning small city hatchback is economical to insure at £365.84** on average. Practical, with a surprisingly spacious interior and boot, the Dacia Sandero could be a good choice if you want to buy a supermini without breaking the bank.

9. Mazda CX-3

This compact crossover has a classy interior with two zippy engines to choose from. The boot size is a bit limited, making it suitable only for a smaller family. But with an average insurance price of £367.22**, it’s an affordable option for those looking for a fun, yet stylish car to drive.

10. Dacia Sandero Stepway Ambiance TCe 90

A stylish crossover with a spacious interior and boot, the Dacia Sandero Stepway has jacked-up SUV styling to help give it family appeal. An average insurance price of £372.17** adds to its attractions.

**Average price amount based on the top five quotes from Compare the Market data from 1 July to 1 October 2019. The average is based on all variations of the vehicle model and uses risk data from people with different age ranges, addresses and driving histories. You may find a cheaper or more expensive quote based on your circumstances.

How can I compare car insurance quotes?

One of the quickest ways to make sure you get great-value car insurance is to compare quotes. It’s simple to do and won’t take more than a few minutes of your time. Give us some details about you and your car, and we’ll provide you with a list of available quotes.

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