21 June 2024

Cheapest Cars to Insure

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Car insurance can be expensive, especially for young drivers, who can often face the highest premiums. To keep costs down, choosing a car with low insurance rates can be a great move.

Every make and model of car falls into one of 50 insurance groups - The lower the insurance group, the more affordable the insurance typically is. These groups are determined by several factors, such as the car’s value, performance, safety, security features and engine power. All of these elements contribute to an estimate of how risky a car is to insure.

Cars in insurance Group 1 and typically low-risk when it comes to theft and accidents, and repair costs can be low. As a result, choosing a car in a lower insurance group can help keep insurance costs down.

Below, we’ve outlined some of the cheapest cars to insure. These models offer a balance of affordability, reliability, and low insurance costs, making them a great choice for budget-conscious drivers.

Volkswagen Polo

Volkswagen Polo

The Volkswagen Polo is one of the most popular models in the small car sector, and for good reason. The Polo offers an excellent amount of cabin space, and is available with a wide range of engines that provide great performance and economy. It's also reliable, safe, and easy to drive, making it an excellent choice if you're looking for a first car. Overall, it’s well built, comfortable and practical, making it a fantastic allrounder that will suit many different types of driver.

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Kia Picanto

Kia Picanto

The Kia Picanto is a compact city car that offers plenty of style. Another excellent allrounder, the Picanto has plenty of different trim levels to choose from, all of which offer excellent handling and a good amount of space for its size. With its small stature and affordable running costs, it makes for an excellent first car, or a great choice for those who need something nimble and nippy for city driving. Depending on age and spec, you’ll find the Picanto as low as insurance Group 1.

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Kia Rio

Kia Rio

The Kia Rio is a slightly larger option compared to the Picanto, offering more interior space, extra comfort, and added practicality. It's known for its reliability and low running costs, making it a practical choice for both city and motorway driving. Depending on the model year and specifications, the Kia Rio can also be found in insurance Group 1.

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Ford Fiesta

Ford Fiesta

The Ford Fiesta is a popular choice for many drivers - It's fun to drive, well equipped with safety features, and offers a great range of engine options. You can find the Ford Fiesta in insurance group 3, depending on its age and spec - although not in group 1, it still offers affordable insurance rates compared to many other cars, making it a great choice for young drivers looking for a first car.

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Volkswagen Up

Volkswagen Up

The Volkswagen Up is a small and nimble city car with a big-car feel. It's comfortable and enjoyable to drive, and feels stable and smooth on the road. Its small size means that manoeuvring is easy, but don't let its size fool you - the Up is still spacious in the front and back, and offers plenty of leg room for passengers. It's perfect for urban environments and comes with a variety of features that enhance safety and convenience, and can often fall into insurance groups 1, 2 or 3.

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MINI Cooper

MINI Cooper

The MINI Cooper is known for its iconic design and fun go kart driving dynamics. Depending on age, the MINI Cooper can fall into insurance group 11, offering a great balance between cheaper insurance and performance. The MINI offers a premium feel, making it a desirable option for those looking for style and performance, with reasonable insurance costs.

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Volkswagen Golf

Volkswagen Golf

The Volkswagen Golf is a solid choice for many drivers, offering a variety of engine options and a well-built interior. This versatile vehicle provides a comfortable and high-quality driving experience, as well as great fuel efficiency, no matter which model choose. Newer models come with advanced safety and tech features, like cruise control, parking aids, navigation and Apple CarpPlay. In terms of insurance, the Golf can fall into insurance Group 7 (depending on age and trim level), striking a good balance between low costs and features.

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Audi A1

Audi A1

As Audi's most compact car, the A1 combines the luxury feel of Audi with the practicality of a small hatchback. In all trim levels, it's very well kitted out, offering a premium interior, advanced technology, and efficient engines. The A1 can be found in insurance Group 9, making it a more affordable option for those seeking a luxury brand.

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Vauxhall Corsa

Vauxhall Corsa

The Vauxhall Corsa is one of the most popular models sold in the UK, and is known for its affordability, reliability, and efficient engines. It can also be cheap and easy to maintain, due to great availability of parts. More recent models offer excellent features, even on the base trim levels, such as touchscreen infotainment and Apple CarPlay. Overall, it's an ideal first car and can often fall into insurance Group 2, making it especially appealing for younger drivers or those with zero no claims bonus.

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Choosing a car in a lower insurance group can significantly reduce your insurance premiums, especially for young or new drivers. Always consider the overall cost of ownership, including insurance, when selecting your next car.

At Lloyd Motor Group, we have a huge selection of used vehicles available that offer lower insurance costs, from a wide variety of different manufacturers. Brows our current stock today, and find the perfect car that won't break the bank when it comes to insurance premiums.

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