10 of the cheapest cars to insure

Everyone wants cheaper car insurance. But depending on your choice of lease car, some will be more expensive to insure than others.

If you’re looking to cut costs, leasing a car that’s a little cheaper to insure could be worth looking at.

Car insurance is one of the hard facts of life – if you want to get anywhere quickly and easily, you need a car. To (legally) drive that car, you need to insure it. 

And insurance companies have never been described as lovely and generous, so we usually have to be prepared to part with a fair few pounds.

But car insurance doesn’t have to cost the earth.

Bigger, premium cars naturally attract higher price. As you would expect, it costs more to insure a brand new Porsche Taycan than it would a Fiat 500. But even with a fitted black box, that Porsche will still cost a pretty penny to insure.

So, you can look to the insurance groups to work out which cars are going to fall in your budget.

All cars are sorted into an insurance group, with the categories ranging from 1-50.

Usually, you’d think the lower the insurance group, the lower the cost.

But alas, it’s not quite that simple.

There are other factors that an insurance company will consider when it comes to quoting you for insurance, like your driving history, where you live, and your age. So, if you’re a first time, or younger driver, we’re sorry – your initial insurance costs are going to that little bit higher. 

But let’s just start with insurance groups before you need to get into specifics.

If you’re looking to cut costs on your car insurance, we’ve rounded up ten of the cheapest cars to insure.

*We are a broker and not an insurance company or lender. We can't offer you a quote on your insurance, but we do always recommend you shop around for the best prices

SKODA Fabia: Insurance group 4-20

You can’t go wrong with a SKODA.

The Czech manufacturer has worked hard in recent years to shake off the slightly dodgy reputation it once had, and now has a line-up featuring some of the best, most reliable, and affordable cars on the market.

And the SKODA Fabia is no different – the baby of the bunch, but an absolute gem.

If you’re after a no-nonsense, budget-friendly, super-easy-to-drive little car that won’t sting you on insurance, this one’s a winner.

Don’t think “small” means “skimpy” either. The Fabia borrows some exciting features from its bigger siblings – think heated steering wheel and windscreen, rear air-con vents for your backseat buddies, and a safety tech package.

If you’re mostly an urban driver with the occasional motorway excursion, our Skoda Fabia lease deals will knock your socks off. 

Affordable, reliable, and ready to roll without draining your bank account on running costs or insurance. 

What’s not to love?

Kia Picanto: Insurance group 5-11

Sure, it might not be the flashiest pick on the lot, but when it comes to a dependable, no-fuss everyday small car, the Kia Picanto deserves a moment in the spotlight.

It falls into the lower end of the insurance groups, with the entry-level Picanto falling into insurance group 5. But even the top trim Picanto isn’t going to break the insurance bank.

It’s easy to live with too, with the drive having just enough pizzazz that nipping around town in the Picanto isn’t going to bore the socks off you.

There’s plenty of tech included as standard too, so you won’t feel like you’re missing out by opting for something a little more on the basic side.

It’s fun, it’s affordable, and it’s great value for money.

Want to make it even more wallet-happy? Go for a Kia Picanto lease and spread out those payments. Throw in cheap car insurance, and boom—you’re on the road and your wallet is still looking healthy.

SEAT Ibiza: Insurance group 3-13

If you’re after something a tad bigger but still budget-friendly, the SEAT Ibiza might just be your dream car lease.

It’s easy on the wallet when it comes to insurance, with the cheapest Ibiza’s in group 3 – a feat not every car on this list can achieve comfortably.

It’s that little bit more practical, but without losing any of the fun factor.

And the boot? It offers a generous 335L of space. Plenty for the weekly shop, a weekend getaway, or even a couple of suitcases, and ideal for small families trying to save a few pennies while still enjoying a spacious, stylish ride.

And if a family car isn’t quite your speed, the FR spec spices things up with sporty styling that’s perfect for cruising around town and turning heads.

With the SEAT Ibiza, you really can have it all—space, style, and savings.

Fiat Panda: Insurance group 1-8

The Fiat Panda is proof that small cars can pack big personality.

It’s a budget-friendly option for just about anyone.

Even the hybrids, sitting in group 8, won’t break the bank when it comes to keeping things insured.

And as an added bonus, its size is perfect for easy parking in tiny spaces.

That’s enough to sell us on any car. Mainly thanks to a few parking events that have happened since getting a bigger car. No more questions please.

Anyway.

Inside, it’s surprisingly roomy for such a small car, with clever storage options and a layout that prioritises practicality.

Pair that with its famously rugged charm, and you’ve got a car that’s just as happy doing the school run as it is tackling a scenic road trip.

An all-round charmer that will keep you happy and your wallet full.

Hyundai i10: Insurance group 4-10

The Hyundai i10 is one of the best-looking small cars Hyundai has ever produced, and its pint-sized charm comes with the bonus of being super cheap to insure.

Thanks to a new platform, the i10 feels a little roomier inside, making it surprisingly practical for its size.

Backseat passengers will definitely notice the comfier ride, though let’s be real—they’re probably not signing up for a Lands’ End to John O’Groats road trip back there.

Tech-wise, the i10 has had a serious glow-up.

Most versions now come with an 8-inch infotainment screen packed with Bluetooth, DAB, Android Auto, and Apple CarPlay, making it a much more appealing little runabout.

Just a heads-up, though: the entry-level trim keeps things pretty basic in the gadget department.

But hey, it’s affordable, easy on the insurance, and all-around a cracking little car. If you’re after a budget-friendly ride, it’ll tick all the right boxes for your next lease.

Vauxhall Corsa: Insurance group 10-26

The Vauxhall Corsa might been in some of the higher insurance groups, but there’s more to the story.

It’s worth remembering that early models—those from before the 2020 refresh—often fall into lower insurance groups thanks to their reduced value.

But, when talking in the realm of ideal first cars and cheap insurance, our minds do flicker towards to infamous Corsa.

There’s a whole load of reasons why the Corsa is so dearly loved. Features like a touchscreen infotainment system, Apple CarPlay, and Android Auto come as standard on many models, keeping you connected and entertained on every journey.

It’s comfortable, too, with enough space for five passengers and a boot that’s perfect for shopping trips or light luggage.

The Vauxhall Corsa is a household name for a reason—it’s the perfect blend of style, affordability, and practicality, making it a go-to for drivers of all ages.

Fiat 500: Insurance group 9-21

An icon on our roads, the Fiat 500 is as divisive as it is tiny.

If you’re looking for a car that strikes a fine balance between fun factor and affordability, this could be the car for you. This variation of the 500 first appeared on our roads back in 2007, and it’s not really changed since.

Though the latest model is a little more spacious than the 500s that have come before it, and there’s even a fully electric version on offer now.

While it’s not the most affordable car to insure on the list, it does have a certain je ne sais quoi about it.

It's great fun to doddle about town in, spacious enough to contain all your shopping, and compact enough to park in tight spaces with a smug sense of ease.

And, for extra fun, opt for the cabriolet version with the fabric roof, and you can spend the long hot summers speeding down deserted A-roads with the wind in your hair.

Volkswagen Polo: Insurance group 1-28

A classic.

An iconic hatchback up and down the country.

With its timeless design, impressive reliability, and renowned performance that comes with the Volkswagen badge, who wouldn’t want to slide into the driver’s seat of one?

The Volkswagen Polo’s charm lies in its accessibility—it’s a car that works for everyone.

It’s compact enough for city living, but solid and capable enough to handle longer trips with ease, with a decently sized boot, room to fit in all the essentials for a trip away.

Another reason it’s such a versatile choice for all kinds of drivers of any age and insurance budget.

But if you’re looking for a Polo in a lower insurance bracket, browse the one litre engines. The bigger the engine, the more it will cost to insure unfortunately.

If you don’t mind struggling up steep hills (a fourth, maybe third gear job) then a Polo can be a relatively cheap insurance endeavour.

Plus, there’s a certain charm to coaxing a little car up a big hill, right?

Renault Clio: insurance group 3-16

Is it revolutionary?

No.

Is it the most fun hatchback to drive?

Also no.

But is it smart, reliable, and affordable?

Absolutely yes.

While it doesn’t have the fun factor of some of the other cars on the list, the Renault Clio is still a great choice for anyone on a budget.

It falls into the lower car insurance groups, making it affordable to insure, and a monthly Renault lease spreads out the total cost even further.

The latest model has got even better, with a great interior, comfortable ride, and a crisp fresh look.

Renault hasn’t tried to reinvent the wheel with the Clio – the lines are clean, the boot is generous, and there’s a big ol’ Renault badge in the grille.

There’s not a lot more you could ask for.

If you’re after a new set of wheels, but you’re wanting to keep an eye on the cost, a Renault Clio could be exactly what you’re looking for.

Dacia Sandero: insurance group 3-12

The most amount of car you can get for the least amount of money, the Dacia Sandero is a hidden gem.

But it’s also proof that affordable doesn’t have to mean boring.

Dacia have knocked it out of the park with the latest version of the Sandero, focusing on getting the basics right and bringing a truly affordable – but still great – car to market.

Best of all, it’s roomy enough for five adults, and there’s plenty of space in the boot for everyone’s luggage.

It looks smart too, with a high-quality finish – though if you want the tech, skip the base model.

The cheapest Sandero’s come with a phone mount instead of a screen, with the idea being you download the Dacia Media Control app and control everything through there.

Upgrade to the Comfort trim, and you’ll reap the benefits of the 8in touchscreen, as well as cruise control, Apple CarPlay, keyless entry, and climate control.

If you’re really looking to save money, the Dacia Sandero should be featured on your shortlist of leases.

What else should I consider?

It might sound counterintuitive, but spending a little more money and taking out additional insurance could eventually save you a lot of cash.

Take out that breakdown cover!

But shop around, look at comparison websites on the best insurance for you and your lease car.

This could mean that instead of being out of pocket after a collision, you'll be back on an even keel and able to look at taking out another lease deal.