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What Are The Cheapest Cars to Insure in 2021?

Cheapest Cars To Insure - Tottington Motor Company Ltd

Your choice of car is one of the key factors behind how much you will pay for car insurance. You can hardly alter how old you are or even where you live, so one of the best ways to keep running costs low is to pick a model from one of the lowest insurance groups, especially for younger drivers.

There are 50 car insurance categories in the UK. A car’s grouping is based on a number of criteria, including its value, repair costs, its performance and safety and security features.

A car in a lower grouping will be less expensive to insure. Our research suggests that these are the cheapest cars to insure in 2021.

Volkswagen Polo

Volkswagen Polo Gti

The Volkswagen Polo has been a staple of UK motoring since its launch in 1975. The Polo is a stylish and economical motor and used models hold their value well.

The ethos of the Polo has long been its purpose as an everyday car, whether you use it for the school run, shopping trips or weekend trips out. Check the version you’re pondering first as some may fall into a higher insurance group.

Skoda Fabia

Skoda Fabia

The Fabia was once the plain Jane of the small car market, but recent years have seen it blossom into a really smart model. The Fabia retains its practicality. It’s a very roomy car with lots of head and legroom and a surprisingly big boot for this class.

The 1.0-litre petrol models fall into the lowest insurance group and the Fabia is the ideal choice for the daily pottering around, picking up kids and bits from the shop. It shares parts with its VW group counterparts and Skoda have a great reputation these days for reliability.

Hyundai i10

Hyundai I10

You’ll find the Hyundai i10 on the used and new market. The previous generation which was manufactured between 2014 and 2019 has models which fall into insurance category one. They’ll also likely have been looked after and as a city car will tend to have low mileage.

The Hyundai i10 is practical and has sufficient space inside for most uses. With low running costs and decent build quality, the i10 is an ideal choice for running around town.

Ford Fiesta

Ford Fiesta Ecoboost

The Ford Fiesta has been one of the finest small cars around for years. While most models don’t fall into the lowest insurance group, 1.1 “Style” petrol models squeeze into category two.

Fiestas are fun cars to drive which don’t compromise on quality and pack in plenty of safety features plus low emissions. There are tonnes of great Fiestas on the used markets, meaning you can pick up the option that suits you best.

Nissan Micra

More Micra

The Nissan Micra was rather dull until its metamorphosis into a funky run-about in its fifth generation, 2017 relaunch. You can pick up a used 2017 – 2019 model which slips into the cheapest insurance bracket.

The Micra is a neatly affordable car that boasts a roomy boot, decent equipment levels and sharp, modern styling. The Micra is built in the UK and France and many of them come from the same factory as the Renault Clio. The Micra boasts low running costs and is a really economical choice with decent specs across the used and new markets.

Dacia Sandero

Dacia Sandero

Dacia is enjoying a rapid rise in the car buyer’s list of manufacturers to consider. The Renault-powered brand delivers the Sandero as its small car option and it certainly meets the brief.

The Sandero is functional and seriously smart to look at as a mini-SUV. It’s a family-friendly compact with lots of space inside and is one of the cheapest cars to insure on the market.

Kia Picanto

Kia Picanto

Do check your model, but plenty of used Kia Picanto’s fall into insurance group one and newer trim 2 models also slip into the cheapest categories. The Picanto scores as it’s a light handling compact option, ideal for city use. You also get the legendary 7-year Kia warranty and the Picanto is one of the favourite small cars around for its wide-ranging appeal.


Seat Mii

The SEAT Mii has gone all-electric in its latest models but you can pick up a bargain in the used market with petrol versions in the lowest insurance categories. The 1.0-litre varieties come in three and five-door body styles and the Mii is a really comfortable and smart car to drive. Perfectly at home around town, the SEAT Mii also does just fine out on the open road.

Renault Twingo

Renault Twingo

70 hp Twingo models sneak into insurance group two and this neat hatchback has some seriously sleek styling. The petrol-powered Renault Twingo is neatly economical, offering up to 48.7 mpg. The Twingo is quite the radical little motor with a rear-engined configuration under the floor of the boot. With nippy engines and a tiny turning circle, the Twingo is a great little city car that is cheap to insure.

Skoda Citigo

Skoda Citigo

Where the Skoda Fabia scores for feeling like a bigger car than it is, the Citigo is the little brother, ideal for tinkering around town. At its least powerful options, the Citigo falls into the lowest insurance category. It has just four seats but that delivers plenty of space in this compact car. The Citigo is simply really fun to drive and can squeeze into the smallest of spaces at the supermarket.

Toyota Yaris

Toyota Yaris

The Toyota Yaris is popular with younger drives as 1.0-litre models sit neatly in the lowest insurance group. Billed as a “subcompact car”, the Yaris boasts stand-out looks with a mean and moody grille upfront. It has great fuel economy and more than enough kit thrown in as standard.

The Toyota Yaris is great fun to drive and super light in the steering. It’s great in town but more than happy to unleash itself on winding country roads thanks to its fantastic handling.

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