Top 10 Cars Cheapest To Insure

Written by: Brilliant Price Last Updated: 12 October 2022

With car insurance prices on the rise, people are now looking at how they can dramatically cut back on household expenses. Downsizing your car or going for a less expensive model is one way to reduce the cost of your insurance, but you should also be aware of why some cars are cheap to insure and some are not.

Why are some cars cheaper to insure?

Without doubt the insurance group rating of the car has a major impact on your price. Underwriters allocate cars into one of fifty insurance groups. The lower the group, the cheaper your quote. Group 1 cars are considered low risk and the cheapest to insure. Group 50 cars are considered high risk and the most expensive insure.

Insurers also like to combine the group rating of a car with your age. So, if you’re a young driver and have a high group rated car, then you are going to get hammered on the price. In fact, many companies may not even offer a quote.

Factors that make cars cheaper to insure:

Low insurance group rating
Lower value replacement cost
Smaller engine size
Improved security features
High level of safety features
No modifications
Easy to find replacement parts
Cheap replacement parts
Low repair costs

Factors that make cars more expensive to insure:

High insurance group rating
High value replacement cost
Larger engine size
Much older cars
Lack of security features
Modifications
Scarcity in getting replacement parts
Expensive replacement parts
High repair costs

Cheapest cars to insure

With all that in mind, we’ve put together a list of cars we think are the cheapest to insure. Without exception, they are all group 1 rated in order to keep insurance costs as low as possible. However, be careful when choosing, as within each make and model can be specific trim variations that are of a higher specification and a different rating group.

10. Kia Rio

Kia Rio

The Kio Rio 1 Air model is the one to look at. It was made between 2011 and 2017 and was originally price between £13k and £20k. Auto Express described it as a supermini with an efficient diesel engine.