Top 5 cars that are cheap to insureWhich? reveals the UK's low-cost insurance heroes

01 May 2013

The price of car insurance is continuously on the rise, making it more and more difficult for younger drivers in particular to get on the road.

So with car insurance costs now astronomically expensive for motoring new comers, it's important to know which new cars on the market will cost you the least to insure.

Here are our top five picks for the cheapest car insurance.

Top 5 cheapest new cars to insure

Skoda Citigo / Seat Mii / VW Up 1.0

Insurance group: 1
New price from £7,720
Only one new car is classed in the lowest insurance group: the identical triplets that are the Skoda Citigo, Seat Mii and Volkswagen Up. Almost all versions are in Group 1, but even the plusher ones are only 2 or 3.

Dacia Sandero 1.2

Insurance group: 2
New price from £5,995
Not only is the new Dacia Sandero the cheapest new car on the market, it’s also one of the cheapest to insure, with the 1.2-litre petrol version in Group 2.

Fiat Qubo 1.4

Insurance group: 2
New price from £11,490
The Qubo is essentially a van with doors. In 73bhp 1.4-litre petrol form, it’s also one of the cheapest cars to insure. But we don’t think you should buy one – read our review to find out why.

Toyota Aygo 1.0

Insurance group: 2
From £8,535
It may be almost identical to the Peugeot 107 and Citroën C1, but the Toyota Aygo is classed in a lower insurance group than either.

Vauxhall Corsa 1.0

From £9,495
Insurance group:  2
The Corsa is a popular choice with younger buyers, and the fact that the cheapest models squeeze into insurance Group 2 certainly helps its cause.

Free insurance offers

It’s possible to buy a new car and get insurance for free. This can be great news for younger drivers, but there are often catches, such as the need to finance the car through a manufacturer scheme, and for a pre-existing no claims discount (NCD). Here are a few examples.

Citroën C1 Connexion

By fitting a ‘black box’ recorder in its C1 Connexion, Citroën is able to offer one year’s free insurance to drivers aged between 19 and 75. But if you don’t have two years’ NCD, you have to pay a ‘contribution’ of between £150 and £950. The C1 VTR is also available with one year’s free insurance (aged 21 to 75).

Citroën C3 VTR+ & C3 Picasso VTR+

The C3 and C3 Picasso are available in VTR+ trim with two years’ free insurance for drivers aged 25-75.

Peugeot Just Add Fuel

Available on most models, from 107 to 5008. Servicing, car tax, warranty, breakdown cover and comprehensive insurance are all included when you take out finance. Minimum age 21 for 107 and 207, minimum age 25 or 30 for other models, maximum age 75.

Skoda Citigo Sport

The new Citigo Sport comes with one year’s free comprehensive insurance for drivers aged 21 and over.

Smart edition21

Buy a Smart edition21 on finance and one year’s free insurance is included (for owners aged 21 to 75). You have to order your car by 30 June 2013 and register it by 30 September 2013.

Volkwagen Polo

One year's free insurance is available on S, Match, R-Line, BlueMotion and SEL models if you're over 21 years old, and on BlueGT and GTI models for drivers over 25. Offer ends 30 June 2013.

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