What are the cheapest cars to insure?

If you’re in the market for your next car, you should be thinking about the cost of insurance. Insurance is one of the biggest costs that come with owning a car, so it’s worth considering the cars with cheapest insurance, to help keep your ongoing motoring costs as low as possible. To help you find the right car for you, we’ve looked at the data to find the 10 cheapest cars to insure in 2021. 

 

If you’re in the market for your next car, you should be thinking about the cost of insurance. Insurance is one of the biggest costs that come with owning a car, so it’s worth considering the cars with cheapest insurance, to help keep your ongoing motoring costs as low as possible. To help you find the right car for you, we’ve looked at the data to find the 10 cheapest cars to insure in 2021. 

 

Daniel Hutson
From the Motor team
10
minute read
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Posted 21 JULY 2021

Top 10 Cheapest Cars to Insure (2021) 

According to our latest data (April-June 2021), these are the top 10 cheapest new and used cars to insure: 

Car model Average premium**
VAUXHALL MOKKA EXCLUSIV 2WD  £366.28 
HYUNDAI TUCSON SE NAV BLUEDRIVE CRDI 116  £376.42 
KIA SPORTAGE 2 GDI  £395.02 
HYUNDAI I10 PREMIUM  £404.12 
NISSAN JUKE TEKNA  £405.43
NISSAN QASHQAI TEKNA DCI  £407.25 
FORD KUGA TITANIUM TDCI 150 4X2  £409.59 
CITROEN C3 FLAIR PURETECH 82  £422.38 
HONDA JAZZ EX I-VTEC  £424.17 
VOLKSWAGEN UP! MOVE UP  £426.64 

**Average price amount based on Compare the Market data from 1 April to 1 July 2021. 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. VAUXHALL MOKKA EXCLUSIV 2WD 

With its relatively modest starting price, the Vauxhall Mokka range make for an affordable SUV with many of the modern features. Its large infotainment panel offers a “visual detox”, with everything you need simple and easy to manage. With petrol, diesel and electric options, there’s something for everyone. 

Lowest insurance group: 6 

Starting price: From £20,740 

Fuel efficiency: 51.4 mpg 

2. HYUNDAI TUCSON SE NAV BLUEDRIVE CRDI 116 

With its sharp lines, the Hyundai Tucson range offers a very modern look for SUVs. The Tucson is designed to introduce cutting-edge features with plenty of comfort and space. New features include a three-zone climate option (allowing different areas of the car to be cooled/heated separately), as well as Remote Smart Park Assistance and Highway Drive Assist, which each offer semi-autonomous functionality. 

Lowest insurance group: 16 

Starting price: From £28,710 

Fuel efficiency: 35-37 mpg 

3. KIA SPORTAGE 2 GDI 

Designed with plenty of modern comforts, the Kia Sportage 2 boasts features that make driving a breeze, without the premium price tag. Dual automatic air conditioning, as well as front and rear heated seats make every drive comfortable, while driving features such as a Reversing Camera System and a Lane Keep Assist System are smart additions. 

Lowest insurance group: 12 

Starting price: From £22,605 

Fuel efficiency: 29.7-41.5 mpg 

4. HYUNDAI I10 PREMIUM 

Good things sometime come in small packages, and the Hyundai i10 certainly fits that description. Ideal as a small city car, this hatchback has a fresh design and features plenty of modern tech, all at a competitive price. 

Lowest insurance group: 4 

Starting price: From £14,206 

Fuel efficiency: 51-53 mpg 

5. NISSAN JUKE TEKNA 

The Nissan Juke is a great option for families in and out of the city. As a smaller SUV, it sort of makes the best of both worlds. With a boot that just keeps on going, it’s ideal for those big shopping trips, holidays and more. 

Lowest insurance group: 20 

Starting price: From £22,690 

Fuel efficiency: 46 mpg 

6. NISSAN QASHQAI TEKNA DCI 

One of the first to popularise the mini-SUV, the Nissan Qashqai brings the best of both worlds. Slightly more compact than traditional SUVs, but still tall and offering plenty of space and storage. 

Lowest insurance group: 15 

Starting price: From £29,480 

Fuel efficiency: 49-66 mpg 

7. FORD KUGA TITANIUM TDCI 150 4X2 

With a competitive price tag for an SUV of its type, the Ford Kuga Titanium hits a middle-ground sweet spot. It’s got many of the modern essentials like automatic headlights and wipers, while also packing a few extra bits of useful tech. 

Lowest insurance group: 23 

Starting price: From £28,345 

Fuel efficiency: 39.8-43.5 mpg 

8. CITROEN C3 FLAIR PURETECH 82 

With a name like “flair”, there’s enough in the Citroen C3 here to stand out from the crowd. It’s also got a bit of something extra on the inside, too. While it may be small, it’s smart with the space it does have and offers a very modern look. 

Lowest insurance group: 7 

Starting price: From £16,360 

Fuel efficiency: 55-60 mpg 

9. HONDA JAZZ EX I-VTEC 

While it might be more expensive than other hatchbacks out there, the fact that it’s cheaper to insure than most makes this well worth considering. Its hybrid engine can also make it a cheaper car to fuel than most. 

Lowest insurance group: 13 

Starting price: From £22,245 

Fuel efficiency: 47.9-78.5 mpg 

10. VOLKSWAGEN UP! MOVE UP 

While the VW UP! might be small, don’t underestimate it. It’s smart, smooth and more spacious on the inside than you’d expect, and that small size makes it ideal as an inner city car. 

Lowest insurance group: 1 

Starting price: From £13,460 

Fuel efficiency: 50-55 mpg 

**Average price amount based on Compare the Market data from 1 April to 1 July 2021. 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. 

***Not tested to latest standards. 

How does engine size impact car insurance? 

Broadly speaking, the bigger engine your car has, the higher the insurance premium. A sporty model with a large 3.0-litre engine, for example, is likely to cost more to insure than an entry-level version of the same car with a smaller engine. That’s because motorists with powerful high-performance cars are deemed more likely to be involved in an accident. Drivers of these vehicles are considered a greater risk by insurance providers and given higher premiums. 

And usually, larger engines are more expensive to replace, so this can also affect the price of car insurance. To see how much you should be paying for your car insurance, you can use our car insurance calculator.

How does security affect car insurance?

The higher level of security your car has, the more difficult it will be to steal, and this can be beneficial for your premium. Alarms, immobilisers or other built-in security features are all designed to deter thieves. Making sure your vehicle is fitted with a Thatcham-approved device can help bring down your insurance costs. Thatcham is a system that rates car security and helps car insurance providers calculate their prices. It has seven classes for car security, with number one rated the best. 

Where you keep your car when it’s not in use will also affect your premium. If it’s parked on the street, it’s more likely to be targeted by thieves. But if it’s kept in a CCTV-operated car park or secure garage, it could be considered less of a risk by insurance providers. 

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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