Our favourite used cars with low insurance costs

Choosing a car with low insurance costs

When buying a car, there’s much more to consider than simply the price of the vehicle. No only do you need to take fuel and maintenance into account, you also have to think about the price of insurance.

As perhaps the biggest running cost, insurance is where many drivers do what they can to cut back on premiums. One of the best ways to start is by choosing a car in a low insurance group. Let’s take a look at a selection of our favourite used cars with low insurance.

Insurance groups

Before we dive into the makes and models themselves, it’s worth discussing what makes a car low cost to insure. One of the key factors in determining premiums is the insurance group in which the vehicle sits. There are currently 50 groups, the lowest (one) containing the cheapest cars to ensure and the highest (50) containing the most expensive.

Cars in groups one to three are generally small and economical. They’re typically good for urban driving, but can still often pack a punch on the motorway. The following vehicles are our favourite examples from these groups.

Group 1

Our Group 1 cars are all smaller models that are best if you live in town.

As a quality small car with cheap running costs, the Hyundai i10 is a great option. The model with a 1.0 litre engine sits in Group 1, even if you go for the Premium trim level. You also benefit from Hyundai’s five year warranty, so even if you’re buying a three year old used model, you’ll still get the two remaining years.

The Kia Rio is another versatile choice, being easy to drive, comfortable and well equipped. The 1.1 CRDi Rio 1 Air model is in Group 1 and owners have reported around 60mpg – you won’t get much cheaper than this for a hatch of that size.

The Volkswagen Up doesn’t disappoint when it comes to expectations of quality. It has VW’s trademark build and a nice interior despite being fairly cheap to buy. Several of the 1.0 litre models are in Group 1including the Take Up and Move Up.

Other Group 1 cars include:

  • SEAT Mii
  • Skoda Citigo
  • Citroen C1

Group 2

Our favourite Group 2 cars offer a little more space and more pull when it comes to engine power.

The Ford KA Studio, which is available with a 1.2 litre engine, offers good performance, respectable fuel economy and is in Group 2. It also sports Ford’s fun, fluid styling, so it looks good as well as having enough power on faster roads.

Stylish and practical, the Vauxhall Corsa is another slightly more spacious option, and its 1.2 litre engine version is in Group 2. There’s plenty of kit included as standard and it offers a comfortable ride.

If you like the sound of the Kia Rio, but need a little more space, the Kia Picanto 1 Air and SE models sit comfortably in Group 2. They’re neatly designed, reliable, and come with an impressive seven year warranty, so used car buyers will benefit from this.

Other cars in Group 2 include:

  • Fiat Qubo
  • Smart Forfour
  • Toyota Yaris
  • Renault Twingo
  • Skoda Fabia

Group 3

For all round performance, handling and quality, few cars match the Ford Fiesta. It’s the UKs most popular vehicle and with good reason – not only is it spacious, fun to drive and well equipped, its Studio model with a 1.25 litre petrol engine is in Group 3.

Craving a little identity doesn’t necessarily mean you have to pay more in insurance. The Vauxhall Adam is great for those who want their car to look a bit different but retain lower running costs. The 1.2 litre petrol model is in Group 3, and even buying pre-owned can still give you a unique car.

Other Group 3 cars include:

  • Smart Fortwo
  • Dacia Logan
  • Fiat Panda
  • Citroen C3
  • Peugeot 107

The cheapest cars for young or new drivers

First time buyers in particular will need to be aware of insurance costs. Statistics show that drivers under the age of 25 are more likely to be involved in accidents, so premiums are calculated to reflect this. Young or new drivers also haven’t built up a no claims bonus, the discount that applies when a driver goes a year or more without making a claim.

It is, however, possible to find cars that will be cheaper to insure even if you’re buying for the first time. One of the cheapest second hand cars to insure, the Dacia Sandero, may not have the coolest image, but it is the UK’s most affordable car. A Group 1 or 2 car depending on which trim you choose, it’s practical with a big boot and five doors. The 1.2 litre engine of the entry level model isn’t the fastest on the block, but that could provide some peace of mind for parents buying for a teenager.

The funkier looks of the Kia Picanto make it a more appealing choice, and the seven year warranty means that buyers of used models will benefit from it. As used cars with low insurance go, it has a lot to offer with good fuel economy and a decent amount of kit which includes USB connectivity and automatic headlights.

Several of the Skoda Citigo models sit in Group 1 for insurance. It’s a flexible, compact car that’s suited to driving in town and parking in tighter spaces, but can stay composed on the motorway. There’s a generous amount of space and CO2 emissions are low, so you can expect affordable road tax.

Low insurance group cars for sale

With our range of used low insurance group cars available, Carwise Group can help you find the perfect model, whether you are downsizing or choosing your first vehicle. Contact one of our dealerships in Dunstable, Maidstone or Harlow for more information or to book a test drive.