Top 25: Lowest insurance group cars

1

Ford Ka+ - Group 1E

Despite the name, the Ka+ has actually more in common with the Fiesta rather than the Ka it effectively replaces. It's based on the previous Fiesta and so is a proper five-seater that's surprisingly good to drive with impressive ride quality - not something that can be said for all hatchbacks this size.

Just one version sits in Group 1 - the basic Studio version with the lower powered 70PS version of the sole 1.0-litre engine. That does mean steel wheels and no air conditioning but it does at least have Bluetooth, electric windows and mirrors plus Hill-Start Assist.

What will it cost to insure?

Sample quotes on what this car could cost you to insure - as a very rough guide.

These are just examples and we've made a lot of assumptions. Your circumstances will be different - so make sure you check to see what it will cost you. We've used Confused.com for these sample quotes *.

The cheapest quotes for an 18 year old was Diamond (£844.48)*

The cheapest quotes for a 45 year old were AA (£233.22) *

But how much can you actually expect to pay for insurance?*

3

Volkswagen Up – Group 1E

We rate the Volkswagen Up as one of the best small cars around. It's full of character, looks good and has an impressive interior. And while this is a relatively cheap car, it still has that quality Volkswagen feel inside. It's also really good fun to drive, even at a sedate pace.

It's not as cheap to buy as its counterparts the SEAT Mii and Skoda Citigo and but it is cheaper to insure with several 1.0-litre Start/Stop models, including the Take Up and Move Up versions, in Group 1 and available with the ASG semi-automatic gearbox.

What will it cost to insure?

Sample quotes on what this car could cost you to insure - as a very rough guide.

These are just examples and we've made a lot of assumptions. Your circumstances will be different - so make sure you check to see what it will cost you. We've used Confused.com for these sample quotes.

But how much can you actually expect to pay for insurance?

5

Kia Rio – Group 2E

If you're after a good value, comfortable and well put together small car, the Rio is easy to recommend. It's also easy to drive and all models come well equipped with air conditioning, electric windows and Bluetooth. You certainly get plenty for you money, along with the usual long Kia warranty.

The latest Rio is also impressively cheap to insure, the Rio 2 model with the 1.4 CRDi engine is Group 2, something few other hatches this size can match. 

What will it cost to insure?

Sample quotes on what this car could cost you to insure - as a very rough guide.

These are just examples and we've made a lot of assumptions. Your circumstances will be different - so make sure you check to see what it will cost you. We've used Confused.com for these sample quotes.

But how much can you actually expect to pay for insurance?

7

Dacia Logan MCV – Group 2E

The only estate car to feature in this list, the Logan represents amazing value for money. After all, you get a huge boot, good economy and a very comfortable car with prices starting at less than £7500. You only have to get past the fact Dacia keeps sticking the letters MCV - which stands for Maximum Capacity Vehicle - after the name. We think they just mean 'estate'.

Go for the 1.0-litre SCe petrol engine and you'll be in Group 2 insurance. And that's not confined to the back to basics Access model either - with the better equipped Ambiance in the same group.

What will it cost to insure?

Sample quotes on what this car could cost you to insure - as a very rough guide.

These are just examples and we've made a lot of assumptions. Your circumstances will be different - so make sure you check to see what it will cost you. We've used Confused.com for these sample quotes *.

The cheapest quotes for an 18 year old was Autosaint (£1010)*

The cheapest quotes for a 45 year old were LV (£419.54)*

But how much can you actually expect to pay for insurance?*

9

Ford Fiesta – Group 2E

There are few small hatchbacks on the market that come close to matching the new Fiesta for all round handling, comfort and quality. The Fiesta is driver-friendly, spacious and great fun on the road. Standard kit is also decent, with base models getting air conditioning, Bluetooth and a body coloured rear spoiler. Sporty.

If you want to keeping insurance costs to a minimum, you'll want the entry-level Style model with the 70PS 1.1-litre petrol engine. It's not fast but that makes it an ideal car for younger drivers who have recently passed their test. Less power, less trouble...

What will it cost to insure?

Sample quotes on what this car could cost you to insure - as a very rough guide.

These are just examples and we've made a lot of assumptions. Your circumstances will be different - so make sure you check to see what it will cost you. We've used Confused.com for these sample quotes.

The cheapest quotes for an 18 year old was Hastings (£1262)*

The cheapest quotes for a 45 year old were LV (£338.31)*

But how much can you actually expect to pay for insurance?*

11

 Toyota Yaris – Group 2E

When it comes to reliability you can't go wrong with a Toyota. The brand is quite rightly recognised as one of the most dependable. Toyota dealers also have a well deserved reputation for good customer service so it's easy to see what attracts so many people to a Toyota.

Rather unusually, the Yaris is actually cheaper to insure than the smaller Toyota Aygo. Whereas the smaller car starts at Group 5, the Yaris 1.0 VVT-i Active is Group 2 - a very low rating for a hatchback this size.

What will it cost to insure?

Sample quotes on what this car could cost you to insure - as a very rough guide.

These are just examples and we've made a lot of assumptions. Your circumstances will be different - so make sure you check to see what it will cost you. We've used Confused.com for these sample quotes.

The cheapest quotes for an 18 year old was AutoSaint (£1010)*

The cheapest quotes for a 45 year old were LV (£275.52)*

But how much can you actually expect to pay for insurance?*

13

Vauxhall Corsa – Group 2E

This Vauxhall Corsa may not be actually 'new' - in fact it's pretty much a revamp of the previous one - but Vauxhall has made some key changes, particularly inside with a big step up in interior quality and design. The changes have managed to take what was an ageing car and give it a new lease of life.

As with all Vauxhall models, there's a baffling number of trim levels. On one hand this is good - there's lots of choice - but for many it just soon becomes confusing. What you do need to know is that the cheapest model to insure is the Sting version (which gets stripes on the bonnet) and comes with a 75PS 1.4-litre engine.

What will it cost to insure?

Sample quotes on what this car could cost you to insure - as a very rough guide.

These are just examples and we've made a lot of assumptions. Your circumstances will be different - so make sure you check to see what it will cost you. We've used Confused.com for these sample quotes.

The cheapest quotes for an 18 year old was Autosaint (£1010)*

The cheapest quotes for a 45 year old were LV (£342.98)*

But how much can you actually expect to pay for insurance?

15

Skoda Fabia – Group 2E

Most people describe the Fabia as 'practical' or 'sensible' but there's far more to it than that. Because - and you may have to whisper this - the Fabia is actually good to drive. We'd even go as far as to say enjoyable. It's also better value than the Polo, with which it shares much.

It's considerably cheaper to insure, with the 1.0 60 S model rated at Group 2. It's hardly a ball of fire but even if you opt for the 75PS version of the same engine in SE L trim, it's still only Group 3.

What will it cost to insure?

Sample quotes on what this car could cost you to insure - as a very rough guide.

These are just examples and we've made a lot of assumptions. Your circumstances will be different - so make sure you check to see what it will cost you. We've used Confused.com for these sample quotes.

The cheapest quotes for an 18 year old was Hastings Direct (£1021.51)*

The cheapest quotes for a 45 year old were LV (£224.76)*

But how much can you actually expect to pay for insurance?

17

Smart Fortwo – Group 3E

Smart has stuck with the same formula that made the original 'city car' so recognisable. So the latest Fortwo is still a two seater with that distinctive shape, an incredibly tight turning circle and tiny turbocharged engines. Some things have improved thankfully, not least the duff automated manual gearbox which has been replaced by a proper dual-clutch auto. There's now even a manual.

The Fortwo is cheap when it comes to insurance with the 0.9-litre engine rated as Group 3. However, a word of warning when it comes to economy. Real MPG shows that owners are not getting anywhere near the claimed economy figures, meaning the Fortwo may not be as cheap to run as it looks on paper.

What will it cost to insure?

Sample quotes on what this car could cost you to insure - as a very rough guide.

These are just examples and we've made a lot of assumptions. Your circumstances will be different - so make sure you check to see what it will cost you. We've used Confused.com for these sample quotes.

The cheapest quote for an 18 year old was Hastings Direct (£1021.51)*

The cheapest quotes for a 45 year old were LV (£352.68)*

But how much can you actually expect to pay for insurance?

19

Fiat Panda - Group 3E

Never one to rush things, this Fiat Panda is only the third generation of the model which debuted in 1980. Back when Pac Man was new and people listened to Abba even when they weren't at a wedding. It's kind of been overshadowed by the Fiat 500 of late though.

However, the pesky 500 hasn't made it onto this list - the lowest rating being a Group 7. But the perky and practical Panda is cheaper to insure. The best model when it comes to saving money is the 1.2-litre petrol in either Pop or Lounge trim, both Group 3.

What will it cost to insure?

Sample quotes on what this car could cost you to insure - as a very rough guide.

These are just examples and we've made a lot of assumptions. Your circumstances will be different - so make sure you check to see what it will cost you. We've used Confused.com for these sample quotes.

The cheapest quote for an 18 year old was Autosaint (£1010)*

The cheapest quotes for a 45 year old were LV (320.49)*

But how much can you actually expect to pay for insurance?

21

Renault Clio - Group 3E

It may not be the newest small hatch on sale - in fact it's one of the elder statesmen - but the Renault Clio still has plenty of appeal. It's a good looking car for one - and the styling has aged well - although the driving position is not that great.

It's much cheaper to ensure than many other hatchbacks of similar size though with the 1.2-litre engine in both Expression and Play trim sitting in Group 3.

What will it cost to insure?

Sample quotes on what this car could cost you to insure - as a very rough guide.

These are just examples and we've made a lot of assumptions. Your circumstances will be different - so make sure you check to see what it will cost you. We've used Confused.com for these sample quotes.

The cheapest quote for an 18 year old was Admiral (£1283.52)*

The cheapest quotes for a 45 year old were LV (£322.91)*

But how much can you actually expect to pay for insurance?

23

Fiat Qubo – Group 3E

It's no looker - and you won't be massively surprised to find out it's based on a van - but what the Qubo lacks in street cred it makes up for with space and practicality. It's a five-seater with acres of space and a hardwearing interior. As a no nonsense family car, the Qubo has plenty going for it.

Drop down all the seats and you can cram in half of Ikea, well the bits that aren't too long anyway. Plus it has carpark friendly and child-hitting-the-car-next-door proof sliding doors. It's just about the right side of cheap and cheerful although the likes of the Dacia Duster make the Qubo seem expensive. 

What will it cost to insure?

Sample quotes on what this car could cost you to insure - as a very rough guide.

These are just examples and we've made a lot of assumptions. Your circumstances will be different - so make sure you check to see what it will cost you. We've used Confused.com.com for these sample quotes.

The cheapest quotes for an 18 year old were Autosaint (£1048.31)

The cheapest quotes for a 45 year old were LV (£335.82)

But how much can you actually expect to pay for insurance?

25

MG3 - Group 4E

The MG3 is a certainly not an obvious choice as a small car. The once famous British name is these days a very different proposition. For starters it's under Chinese ownership - although the company is very keen to point out that UK cars are still 'assembled' in Longbridge. Although the cynical may think that means just sticking some badges on in a big shed in the Midlands...

What the MG3 does offer is more for your money than the competition. It has a more powerful engine than most - it's 1.5-litre petrol developing 106PS - and cheap insurance with all models sitting in Group 4.

What will it cost to insure?

Sample quotes on what this car could cost you to insure - as a very rough guide.

These are just examples and we've made a lot of assumptions. Your circumstances will be different - so make sure you check to see what it will cost you. We've used Confused.com for these sample quotes.

The cheapest quote for an 18 year old was Hastings Direct (£1021.51)*

The cheapest quotes for a 45 year old were LV (£360.84)*

But how much can you actually expect to pay for insurance?

* Sometimes we show a link with a * next to it. It means that it is an affiliate link and as a result helps HonestJohn.co.uk stay free to use. It's tracked to us and if you go through it, it can sometimes result in a payment or benefit to the site.