MOTORING experts have revealed the ten cheapest cars to insure in the UK.
The average insurance premium has increased by a whopping 43 per cent year on year from £284 in 2024 to a shocking high of £941.
Prices have begun to drop over the past few months but the average quote is now sitting around £834, which is still a huge premium.
Experts have now revealed how to get this massive premium down a bit.
They’ve revealed the top ten cheapest cars to insure in the UK to help keep the price of motoring down for everyday Brits.
Not only are the motors cheap to insure but they are affordable for anyone looking to pick up a new car.
The list consists mostly of hatchbacks and super minis but some SUVs do make an appearance.
The Fabia is reportedly the cheapest of all UK motors to insure.
The little Czech hatchback only costs around £237 a year to insure and can be bought for an impressively low £19,410.
The Ibiza remains a cheap option since the mark one was introduced to the UK market in 1983.
At only £240 a year and £19,795 to buy the little hatchback remains one of the UK’s best cheap and cheerful models.
Costing just £240 a year to insure and a very cheap £13,250 to buy, the Romanian motor offers an excellent option for first time drivers.
Only slightly more expensive to insure than the Ibiza the Sandero is a fair sight cheaper to buy than most of the alternatives.
The German made Volkswagen Polo is up next with an insurance premium of around £247.
A favourite among first time drivers in the UK the Polo costs just £21,210 to buy.
Surprisingly the SUV style Volkswagen T-Cross came in next, despite being large it can be insured for just £248.
A Volkswagen T-Cross could be purchased for around £24,895 and offers the most space on the list, perfect for families.
The first Japanese car on the list, the Hyundai i10, can be insured for only £259 and purchased for a modest £16,380.
The most technologically advanced of the motors on this list the i10 offers a slew of futuristic features not available with some of the other options.
The tiny Kia Picanto can be insured for just £250 and bought for only £18,945.
One of the smallest motors on the list the quick little car is a perfect option for the city, learners or first time motorists.
Another Kia, the Stonic, though much larger than the hatchback Picanto, can be insured for around the same at £260.
Buying one is a fair bit pricier though costing motorists around £20,265.
Not to be confused with the much more powerful i20N the Hyundai i20 can be insured for just £282 and purchased for £20,880.
A little larger and more powerful than some other entries on the list the i20 offers a bit of a step up in performance for a bit of a step up in cost.
Scraping in at the bottom of the list the Toyota Aygo X can be insured for £307, the only motor on the list to break the £300 mark.
It remains relatively cheap to buy however at around £16,515.
CAR insurance is an essential cost that you hope to never use but will need to cover the costs of theft or damage to your vehicle.
It’s a legal requirement to have car insurance, and going without it could land you with a £300 fine, six penalty points on your licence and even a criminal conviction.
But there are several ways to slash your premiums.
Pay upfront
Insurers give you the choice of paying for insurance monthly or upfront.
Paying monthly spreads the cost of your cover but the insurer adds interest charges which means the average motorist pays around ten per cent more overall.
If you pay for your car insurance annually you don’t pay any interest.
A typical motorist can save up to £225 a year by paying in one go, according to comparison site MoneySuperMarket.
Increase your excess
The excess is what you agree to pay each time you need to make a claim on your policy.
You can usually choose your own excess when setting up a policy and it can be as low as £100 and as high as £500 or more.
The higher your excess, the lower your premium and vice versa.
This means you could bring the cost of your insurance down by agreeing to pay more if you do need to make a claim.
But before you hike your excess, make sure you would be able to pay in the event that you do need to make a claim.
Tweak your job
Certain jobs are seen as more risky than others for insurance purposes.
Making small but accurate changes to your job title can save you money.
For example, swapping your role from “chef” to “caterer” can save you £20, comparison site GoCompare found.
And changing your role from “fast food delivery driver” to “delivery driver” could save you £40.
But lying about your job could invalidate your policy so make sure any changes are legitimate and accurate.
Shop around
Not all comparison sites have the same range of insurers so to get the best price it’s a good idea to check two or three from Go Compare, Comparethemarket, MoneySupermarket and Confused.com.
Insurer Direct Line is also not on comparison sites so check its prices directly.
You can also get a free cash bonus by going via a cashback site such as Topcashback or Quidco.
Save the date
Renewing your car insurance sooner rather than later could save you some cash.
New cover becomes more expensive the closer you get to the renewal date.
But you can buy your car insurance up to 29 days before the policy start date and ‘lock in’ the price you’re quoted on that day.
A typical driver can save up to £265 buying new cover at least 27 days before their current policy ends, according to Go Compare.
