Driving a car costs money - and for most people, it accounts for a large part of their overall outgoings. You can reduce these costs by purchasing a car with a good MPG figure and practice fuel-efficient driving. And of course, buying a low-cost car in the first place helps, too.


But what about insurance? This can also put a heavy dent in your finances, especially if you're a younger driver. But there are several smaller cars that cost less to insure. These usually have an insurance category of 1 to 5  - on a scale that rises to 50. The higher the category number, the more expensive a vehicle is to repair or replace (such as a supercar).


Here are 10 of the cheapest cars to insure in the UK in 2020.


1. Ford KA+

Starting at around £11,300 in the 'Studio' variant, the Ford Ka+ is cheap to buy and, with an insurance category of 1, is cheap to insure, too. While the design might be considered 'entry-level', the Studio features a 1.2L petrol engine and lots of space. If you buy a model with more tech, the category will rise (to up to 5).


2. Volkswagen Polo

The Polo has been around for decades - and for good reason. It looks good and is easy on the petrol consumption. The basic SE model starts at £15,735 and falls into insurance category 1. Invest a little more for the 1.0L TSI 94bhp version, and the category rises to 8.


3. Skoda Citigo

The basic three-door 'S' variant of the Citigo costs £8,890, and is perfect for short urban trips. Its small footprint makes it easy to park - yet the interior is surprisingly spacious. The S comes with anti-lock braking and electronic stabilisation control - and falls into the cheapest insurance category - 1.


4. Hyundai i10

The entry-level S variant of the i10 offers plenty of cabin and boot space, and is available for a competitive £9,200. It also features a 5-year unlimited mileage warranty. Upgrade to a Premium version with the smallest engine, and you'll still be in insurance category 1.


5. Vauxhall Corsa

Lower space versions of the Corsa fall into insurance category 1, making it a good choice for a first car. The Corsa has been a top seller in the UK for many years, and while the entry-level price tag of £11,735 is a little higher than some competitors, it does offer solid performance and a good spec.


6. Ford Fiesta

The Fiesta has dominated the UK top 10 for many years, and has been updated regularly to remain both stylish, sporty and practical. The basic three-door Zetec model falls into insurance category 2 and starts at around £15,995.


7. Skoda Fabia

The hatchback version of the Fabia has benefitted from a recent facelift, and offers great value for money, starting at £12,535. The S model of this well-built small family car delivers great fuel efficiency and falls into category 1 for the most basic model, rising to 12 for higher-spec variants.


8. Kia Rio

The entry-level Rio 1 starts at £12,495 and falls into insurance category 2. It comes with air-conditioning, Bluetooth and front electric windows, and is perfect if you're looking for a low-cost small family runabout.


9. Dacia Sandero

Starting at £6,995, the Sandero is one of the cheapest cars on the market. As such, don’t expect many bells and whistles. But for basic urban trips it does the job, and falls into insurance categories 3 or 4, depending on trim level.


10. Fiat Panda

With 30 years of refinement behind it, the Panda delivers great urban handling no matter which model you buy. The 0.9L TwinAir offers the best fuel economy and falls into insurance group 3. As the spec increases, the category rises (to up to 7).