Which cars are cheapest to insure?

Finding a suitable price on your car insurance can sound like a daunting task, particularly if you’re a young driver. However, you definitely shouldn’t be scared away even if you happen to read any stories about high insurance costs.

If you’re looking to make a new car purchase, then finding out what insurance group number a model falls under is a strong indicator for the total cost of insurance.

Currently, insurance group numbers in Britain range from 1-50, and the lower the number is the lower the insurance cost will be.

Insurers do not necessarily have to follow the advice of these group numbers but they remain a good indicator. This is because the rating takes into account several determining factors including the price and performance of a car, its repair costs and the price of replacement parts.

Here is our guide to some of the new cars available now at Perrys Dealerships which should carry the lowest insurance cost.

Ford Ka 1.2 ‘Titanium’ (Start Stop)


Insurance group number – 3

The trendy Ka city car is presently the cheapest and easiest new Ford to insure in the UK. All models in the Ford Ka range use a 68bhp petrol engine, helping to make it nice and easy for any first-time car buyers.

Although the ‘Studio’ version of the Ford Ka is the cheapest to buy, all models currently carry the same insurance group number. Its group number of 3 is, in fact, eight numbers less than base models of the Ford Focus hatchback.

With all Ka models sharing the same group number, you can go for a higher-spec ‘Titanium’ and still have a very good chance of securing a low insurance quote. Standard equipment on the Ka Titanium includes air conditioning, front electric windows and alloy wheels.

Kia Picanto 1.0 ‘1’


Insurance group number – 3

The basic trim level Kia Picanto is a city car which is superbly cheap all around. It has a very low starting price of just £8,045 when new. It’s also already cheap to run thanks to its meagre 99g/km CO2 output and of course, the insurance group number is very low on top of this.

Standard kit on new basic Kia Picanto models includes a CD player, Folding rear seats and front electric windows.

Vauxhall Corsa 1.0i ecoFLEX ‘Expression’


Insurance group number – 2

The base model Vauxhall Corsa currently starts at just £9,495 and uses a 64bhp 1.0-litre petrol engine. That’s enough power for any young first-time car buyer and it helps to keep insurance costs very low.

The Corsa ‘Expression’ model also benefits from Vauxhall’s ecoFLEX fuel-saving technology, helping to drive down running costs of the supermini.

Dacia Sandero 1.2 ‘Laureate’


Insurance group number – 2

The Dacia Sandero already has the distinction of being currently the lowest price new car in the UK market right now. With the basic 73bhp 1.2-litre petrol engine the five-door hatchback also falls under a fantastically low insurance group.

Interestingly you can go for a Sandero 1.2-litre model and the insurance group number does not change regardless of trim level. That means you can go for the range-topping ‘Laureate’ trim Sandero, which is still very cheap starting from just £7,995 but includes extra equipment.

Seat Mii 1.0 60 ‘Ecomotive’


Insurance group number – 1

Not only is the Seat Mii a nice city car to drive, but the whole range also offers fantastic value for money. Almost every model in the Mii line-up falls under the absolute lowest insurance group number.

In that case, the ‘Ecomotive’ specification for the Mii comes strongly recommended because it is the most efficient. CO2 emissions for the Mii ‘Ecomotive’ are at just 96g/km meaning free Road Tax, and prices for this model start from just £9,420. The Mii is easy to recommend to young drivers and indeed anyone looking for a new car on a tight budget.