Top 10 Affordable Cars with Low Insurance Costs

When it comes to car ownership, insurance is one of the most significant annual expenses for most people. Reducing this cost can have a positive impact on your overall budget. One way to achieve this is by opting for a small car that falls under a lower insurance group. In this blog post, we’ll take a closer look at the best cars currently on the market that come with cheap insurance, making it easier for you to make an informed decision.

Understanding Insurance Groups

Before we delve into the list of cars, it’s essential to understand how insurance groups work. Insurance groups range from one to fifty, with one being the least expensive and fifty the most expensive. Several factors, including your age, occupation, driving history, location, and employment status, influence your insurance premium. However, the car you choose also plays a vital role in determining the cost of insurance.

Factors Affecting Insurance Group

Various aspects contribute to a car’s insurance group placement. These include the car’s power, value, repair costs, and safety features. Cars with lower insurance groups typically have modest engines and trim levels, which are generally associated with lower insurance costs.

The Impact of Car Specifications

Even small changes in a car’s specifications can significantly affect its insurance group. Modern cars are equipped with mandatory safety features such as autonomous emergency braking, which can increase repair costs in case of collisions. As a result, insurance groups for such vehicles may be higher.

Research Before Making a Purchase

To make an informed decision, it is advisable to check the insurance cost of a specific car you intend to buy. You can do this by providing the car’s registration plate to insurance providers or using price-comparison sites. Additionally, consider looking at older models as they may offer more affordable insurance options compared to brand-new cars.

Top 10 Cars with Low Insurance Costs

Volkswagen Polo
Hyundai i10
Kia Picanto
Ford Fiesta
Mini Countryman
Seat Ibiza
Renault Clio
Skoda Fabia
Toyota Aygo
Fiat 500


Owning a car with affordable insurance costs can make a substantial difference to your annual expenses. By opting for one of the small cars listed above, you can potentially reduce your insurance premiums. However, remember to research thoroughly and check the insurance costs of your desired model before making a purchase. Keep in mind the impact of the semiconductor shortage on car availability and specifications. With the right information at hand, you can find a budget-friendly car that suits both your needs and wallet.