6 Cheapest Cars To Insure 2023

4 minutes read

All automobiles are assigned to one of 50 insurance groups, with 50 representing the most expensive coverage. In regard to your personal age, occupation, driving record, health, location, and job status, the car you choose will have a significant impact on how much insurance will cost you.

The least expensive automobiles to insure on average among all types of vehicles are minivans and small SUVs. Also, the cost of car insurance is highest for large cars across the board.

If you’re looking to save money on a cheap insured car, check out the best new and used car deals.

Table of Contents

1. Nissan Micra

Insurance group: 1E

The Nissan Micra is another large vehicle with a tiny vehicle body. The Vmotion grille, a Nissan signature, and the kinked crease running from its nose to its tail give it a far better aesthetic than the unattractive model it replaced.

The inside design is clean rather than eye-catching, but the infotainment screen is framed in chrome, and large, simple-to-use knobs control the vents and stereo. But it’s not as well made, and the back seat isn’t as roomy as the VW Polo.

The 71PS model, which is no longer manufactured, is required to obtain the most affordable insurance. The performance is poor, but the Nissan wants to be driven slowly, and its quiet interior makes it surprisingly comfortable. Its sophisticated suspension can subtly dab the brakes as the wheels rebound over bumps, creating a comfortable ride. Additionally, on average, comprehensive coverage would cost £42.95 per month or £464.35 annually to insure a Nissan Micra.

2. Volkswagen Up

Insurance group: 1E

If Volkswagen hadn’t created the Up city vehicle, which is notably more modern than its French rival, which is saying something considering the VW itself is an older design – the Citroen C1’s life would have been so much easier.

The Up is more like an adult terrier, big and hefty, and you can drive it down the freeway without feeling like a lorry may run you over without you even realizing it, in contrast to the C1, which has the spindly appearance of a Labrador puppy. It corners flat and true on country roads, cruises reasonably quietly, and doesn’t get blown around in gusts. It’s a small car you can enjoy driving around in.

It’s still best experienced in a city setting, where parking is simple, the 60 PS engine doesn’t feel overpowering, and the engine has a thimble-like appetite for gas. Despite how little it appears on the exterior, the interior is well-built and feels roomy. For four people’s soft baggage, even the boot is spacious enough. Furthermore, a Volkswagen Up with a comprehensive policy would typically cost £52.55 each month or £570.07 per year.

3. Skoda Fabia

Insurance group: 2E

Purchasing a Skoda Fabia is similar to picking a ham sandwich at a highway rest stop. It’s not the most exciting option, but you won’t regret it as much as you might if you choose one of the jazzier sandwiches on the menu.

Its attractiveness may even surpass that of a ham sandwich. It is a creation of the VW Group due to its attractive appearance and hefty body proportions. The plasticky interior has a comparable solid feel, is quite simple to operate, and is one of the roomiest vehicles of its size.

The 75PS type, which is more of a weak spark than a fire breather but has low operating expenses and no trouble maintaining speed once it reaches cruising, is what you must choose if you want group 2E insurance. The fact that the base S model doesn’t even come with air conditioning is a major issue. Furthermore, it costs, on average, £58.91 per month or £656.32 annually to ensure Skoda Fabia.

4. Volkswagen Polo

Insurance group: 1E

The Volkswagen Polo is a small car that excels at everything it is designed to do. Insurance costs are also very reasonable if you choose one of the lower-powered models.

The 65PS automobile is in insurance category 1E, but we’d pass in favor of the 80PS model because it’s as expensive to cover but isn’t egregiously underpowered. This is good because the Polo performs well in both situations and will keep up with other vehicles on the highway and in the city. Its ride quality is supple and puts some executive cars to shame. It is also simple to drive, quiet, and comfortable. Furthermore, a Volkswagen Polo with a comprehensive policy would typically cost £64.09 per month if the driver made monthly payments or £713.88 per year.

The interior might use a little more personality, but because pragmatic Germans created it, it is quite simple to operate, and nothing feels like it will fall apart in your hands. The Polo has a distinctly big-car feel, which is not diminished by the fact that it can fit four adults inside and has a boot wide enough to fit two large suitcases.

5. Dacia Sandero

Insurance group: 4E

The Dacia Sandero is the most affordable new car available right now, and it’s evidence that affordable doesn’t necessarily equal subpar. You receive a ton of standard features, such as air conditioning and Bluetooth. You can also specify a touchscreen infotainment system.

Dacia just discontinued the base Sandero Access model, but you can still get a cheap Essential model that includes group 4E insurance.

Additionally, a comprehensive policy for Dacia Sandero would typically cost £64.63 per month or £701.12 annually.

6. MG3

Insurance group: 4E

The MG3 is similar to a bar of Cadbury’s chocolate in that it is produced by a company that has a name that sounds like it belongs to a well-known UK company but is actually owned abroad.

However, the MG is far from being as sweet as the nation’s favorite chocolate. Its cheap manufacturer, which is Chinese, is clearly identifiable from the interior’s subpar polish. Competitors like the Ford Fiesta and Volkswagen Polo are far ahead in terms of quality and also have greater capacity.

The MG3 proves to be fairly enjoyable to drive, but ultimately, the agile Fiesta convincingly beats it. The MG is the fastest car on this list, reaching 62 mph in 10.6 seconds thanks to its 106 PS 1.5-liter engine, but due to its outdated design, it feels slower than those numbers would have you believe. It also uses more gas than other cars on this list.

Final Thoughts

If you decide to buy a car, buying a used model can help you lower your premiums even more. This could negate the need for comprehensive accident coverage altogether.

Hence, drivers who desire a brand-new automobile may be better off choosing one of the models from our list of the cheapest cars to insure.

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