Cheapest cars to insure

We’ve looked at thousands of car insurance quotes to find the top 10 cars with the cheapest car insurancecosts. We've also looked at the most affordable models for drivers under 25 as well as new drivers.

The 10 cheapest cars to insure*

According to our data, we've found the 10 models with the lowest average car insurance costs. We've also included running and purchase costs. So if you're looking to buy an affordable car, you can compare these models and see which works out best for you.

See the list at a glance

*Based on at least 10,000 car insurance quotes by Confused.com from January - December 2022. Comprehensive policies only. All figures used here are averages and actual prices might be higher or lower depending on your age, location and other factors.

1. Hyundai i10 Premium

• Average car insurance cost: £344
• Insurance group: 2
• Price when new: From £16,295
• Used price range: £7-15,000
• Fuel economy: 60 mpg
• Car tax cost: £20

2. Hyundai i10 SE

• Average car insurance cost: £345
• Insurance group: 2
• Price when new: From £14,995
• Used price range: £6-10,000
• Fuel economy: 60 mpg
• Car tax: £20

3. Vauxhall Mokka X Active Turbo (140)

• Average car insurance cost: £355
• Insurance group: 14
• Used price range: £9-18,000
• Fuel economy: 47 mph
• Car tax: £165

4. Ford Focus Titanium (125)

• Average car insurance cost: £370
• Insurance group: 12
• Price when new: £27,060
• Used price range: £6-18,000
• Fuel economy: 58 mpg
• Car tax: £165

5. MINI Cooper

• Average car insurance cost: £372
• Insurance group: 18
• Used price range: £8-13,000
• Fuel economy: 62 mpg
• Car tax: Up to £165

6. Honda Jazz EX i-VTEC

• Average car insurance cost: £373
• Insurance group: 13
• Used price range: £6-22,000
• Fuel economy: 55 mpg
• Car tax: £165

7. MINI Cooper Classic

• Average car insurance cost: £379
• Insurance group: 19
• Price when new: From £22,565
• Used price range: £9-16,000
• Fuel economy: 49 mpg
• Car tax: £165

8. Nissan Qashqai Tekna dCi

• Average car insurance cost: £385
• Insurance group: 15
• Price when new: £33,715
• Used price range: £10-22,000
• Fuel economy: 70 mpg
• Car tax: Up to £165

9. MINI Cooper (122)

• Average car insurance cost: £398
• Insurance group: 17
• Used price range: £7-12,000
• Fuel economy: 52 mpg
• Car tax: £135

10. Fiat 500 Lounge

• Average car insurance cost: £407
• Insurance group: 6
• Used price range: £4-12,000
• Fuel economy: 55 mpg
• Car tax: £30

New car prices taken from individual manufacturer information. Used car price range taken from motors.co.uk. Car insurance groups, car tax costs and fuel economy taken from Parkers.

What do the numbers in brackets mean?

These refer to the brake horsepower (bhp) of the car. This gives you an idea of how powerful the engine is - the bigger the number, the more powerful the engine. So the Vauxhall Mokka X Active Turbo (140) has a more powerful engine than the Ford Focus Titanium (125).

Cheapest cars to insure for under 25-year-olds**

Our research also looked at what was the cheapest car to insure for young drivers. Based on average car insurance costs for drivers under 25, here’s our top 10:

**Based on at least 10,000 car insurance quotes by Confused.com from January - December 2022. Comprehensive policies only. Policyholders under 25 years of age.

Cheapest cars to insure for new drivers***

Our data highlighted the cheapest cars to insure for drivers with less than 3 years' driving experience.

***Based on at least 10,000 car insurance quotes by Confused.com from January - December 2022. Comprehensive policies only. Policyholders who had their full driving licence for less than 3 years.

What makes a car cheap to insure?

When working out policy costs, car insurance companies tend to look at a car's:

• Car insurance group. All cars are assigned a car insurance group from 1-50. This usually looks at the car's cost to repair. Usually, the higher the group, the more expensive it is to insure.
• Performance. Cars with bigger, more powerful engines tend to have more expensive repairs after an accident.
• Value. Cars that are worth more tend to be more desirable for thieves. A second-hand model that's not worth much usually costs less to insure.
• Security features. Newer cars are equipped with alarms, engine immobilisers and other car security features. This makes it safer and harder to steal, which could bring the price down.

Why do some cars on this list have high insurance groups?

This is because there are a range of other factors that go into working out the risk of a particular policy, not just the car. And the bigger the risk, the higher the insurance costs tend to be.

As well as the car, insurance companies look at:

• Your age and driving experience. Younger, inexperienced drivers tend to pay more for their car insurance because they've not had much practice on the road.
• Your location. Living in an area prone to accidents or car crime is likely to raise your costs.
• Your claims and convictions history. If you have a record of breaking the law or being involved in traffic accidents, you're considered to be a bigger risk.
• Your occupation. A high-risk job that involves lots of driving is likely to increase your car insurance costs.

I can't change my car. How else can I make my car insurance cheaper?

If you’re looking to cut your car insurance costs, consider:

• Upgrade your car’s security - the harder your car is to steal, the lower its risk profile
• Reduce your annual mileage - more miles on the road means more risk. Make sure you're accurate with the mileage you give your insurer
• Increase your voluntary excess - Offering to pay a bigger part towards a future claim is one way to keep your costs down. But you must select an amount you’d be able to afford in the event of a claim.
• Consider a black box policy - If you're a younger or less experienced driver, having your driving monitored with a black box could you pay less for your car insurance.

For more information, check out our tips for cheaper car insurance.

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