Insurance is one of the biggest outgoings of running a car, but one that cannot be avoided. Many factors affect how much you will pay – such as your age and your occupation. While you have little or no control over some details of your life – nor how they impact your car insurance – you can at least choose a car which will minimise your annual premium.
Every car available to buy in the UK is categorised in one of 50 groups, numbered 1 to 50. In general, the lower the number, the cheaper your car will be to insure.
A body called the Group Rating Panel decides which group a car is assigned. This panel comprises members of the Association of British Insurers and the Lloyds Market Association.
The number assigned to a given car depends on a number of factors, including:
- Repair costs
- Cost of parts
- Car value
Here we list 10 of the cheapest cars to insure in 2017...
10. Ford Ka+
This is a revamped version of the original Ka which graced so many driveways in the late 1990s. While not all Ka+ models occupy the cheaper bands, a number of versions have been categorised in groups 1 and 2, making them great choices for minimising your insurance outgoings.
9. Skoda Citigo
Von M 93, CC BY-SA 3.0 de, https://commons.wikimedia.org/w/index.php?curid=18735937
The Citigo is ostensibly the same car as the Seat Mii and the Volkswagen Up!. Indeed, Skoda is owned by VW and as a result boasts fantastic build quality and tremendous reliability. This group 1 car is ideal for city driving where space is at a premium.
8. Renault Twingo
This may be the third generation Twingo, but the essence of the original is still evident, with bold styling and a clever folding seat system for making additional space. A reliable, nippy city runabout that is affordable to insure.
7. Dacia Sandero
Despite the spaciousness of this 5-door family car, it is one of the cheapest vehicles on the market right now. What’s more, the 16V Access model occupies group 2, making it a prudent choice if you want to save on your insurance.
6. Seat Mii
A sister model to the VW Up! and the Skoda Citigo, the Seat Mii is one of the greenest city cars around. In fact, this group 1 car is so environmentally friendly it sidesteps the London Congestion Charge and attracts no road tax whatsoever.
5. Hyundai i10
Unlike some previous incarnations, the second-gen Hyundai i10 is in group 1, making insurance far more affordable. A great choice as a first car, this model boasts a decent 1 litre engine and plenty of entertainment features. It's also a COTY 2014 winner.
4. Volkswagen Up!
VW’s flagship city car ticks all the boxes: Superb build quality and safety features (evidenced by its 5-Star NCAP rating); great fuel economy and agile handling.
3. Vauxhall Corsa Hatchback
Von M 93, CC BY-SA 3.0 de, https://commons.wikimedia.org/w/index.php?curid=44669214
The newest generation of the Corsa has given us two models in the group 2 category – Life and Sting. A refined, capable car that often appeals to younger drivers. Pictured with Opel badge.
2. Kia Rio
Not only does the latest Kia Rio range offer minimal CO2 emissions and plenty of boot space, but its 5-door Air version occupies group 1. An ideal option for a young family looking to save.
1. Toyota Yaris
One of the very best city cars out there, the Yaris offers great fuel economy and low insurance costs. There’s also a hybrid model for the further benefit of your wallet and the environment. ‘Active’ models occupy group 4, making insurance cheaper, although more sporty options can see the group rating climb.