Since the beginning of 2021, the average yearly cost of car insurance premiums has decreased by £38 to £430, marking the lowest level in five years. However, inexperienced and young drivers can still find it difficult to keep their yearly costs under £1000, therefore we’ve compiled a list of the 100 most affordable car insurance online.
A possible purchase’s auto insurance group will offer you a decent idea of how expensive it will be to insure. All cars are divided into groups ranging from 1 to 50 based on factors such as the cost of the car at the time of purchase, the safety and security features it has, its susceptibility to accident damage, the likely cost of repairs, and the potential length of time required to complete those repairs.
In general, if you choose a car with a low group number, the rates should be rather inexpensive, whereas the most expensive top car insurance for are those classified in the top 50 bands. However, prices also varied between the various engines and trim levels of particular models, so we chose the variant from each range with the lowest overall premiums.
Volkswagen Up
Cost of insurance £293
The Up was previously a What Car? Car of the Year due to its enjoyable driving characteristics, generous standard equipment, and upscale interior. There are several reasons to suggest the Up, even when newer competitors provide better value and utilize more modern technologies. A city car with a petrol engine is one of an increasingly rare species, to start. The Skoda Citigo and Seat Mii, its siblings, are now exclusively available as more expensive pure-electric variants.
The beginning, The lowest to insure, is up 1.0 65. It has manual air conditioning and motorized windows, but if you want a multifunction steering wheel and a better sound, you’ll need to upgrade to the Beats level.
Fiat 500X
Cost of insurance £284
The Fiat 500X, the 500’s older sibling, is a small SUV that goes up against the Ford Puma and Seat Arona. The least expensive pop variant comes with cruise control and rear parking sensors, however autonomous emergency braking is not included and cannot be added as an option. As it is an active safety feature that aids in accident avoidance, we advise upgrading to connect spec, so you can add it to your vehicle. The manual transmission and turbocharged 1.0-liter gasoline engine are quick enough for most driving conditions. In comparison to the 1.3 petrol, which is only available as an automatic, we prefer it.
Ford Fiesta
Cost of insurance £280
The Fiesta has been one of the best-selling vehicles in the UK for more than ten years for a variety of factors. It’s sophisticated, well-equipped, and so much pleasure to drive that it’s sure to make you happy. Although the 1.1 petrol non-turbo on which our cheapest car insurance price is based isn’t as quick as the 1.0 turbo, it’s perfect for city driving. Additionally, the entry-level Trend model is surprisingly complete, having heated front seats, automated headlights, air conditioning, and an 8.0-inch infotainment touch screen.
Kia Picanto
Cost of insurance £277
With a stylish interior and clean handling, the Picanto makes a great city car. The 66bhp 1.0 petrol engine may not be the fastest outright, but it’s fine for cruising around town and doesn’t like being pushed hard, so as long as you’re willing to work it, it will move along rather well on faster routes. Our best car insurance UK estimate is for the reasonably priced 2 trim level, which isn’t overly extravagant, but we’d advise spending a little more to get a model with the 3 trim because it adds climate and cruise control as well as a touchscreen infotainment system with Apple CarPlay / Android Auto smartphone compatibility, whereas lower spec trims only come with an AM/FM radio.