Cheapest cars to insure in 2025

Here’s a look at some of the cheapest cars to insure in 2025.

When buying a car, there’s more to pay for than just the lump sum of the vehicles worth. In addition to this, you need to pay for tax, consistent maintenance, fuel, and, critically, insurance if you want to be able to drive the car legally.

All of these extra costs can make owning a car pretty expensive, so it’s a good idea to do what you can to keep these additional costs low. One option is to get a car that’s cheap to insure. In the eyes of an insurance provider, cars are at different risk levels of getting into accidents or broken into. These levels dictate how much a car insurance premium will cost.

To help you save money when buying a car, here’s a look at some of the cheapest cars to insure in 2025.

Cheapest cars to insure in 2025

These are the top 10 cheapest cars to insure in 2025:

  1. Volkswagen Polo
  2. Citroen C1
  3. Nissan Micra
  4. Smart Forfour
  5. Kia Rio
  6. SEAT Mii
  7. Fiat 500
  8. Renault Captur
  9. Peugeot 108
  10. Skoda Fabia
In this guide

How to choose a car that’s cheap to insure?

Many things make a car cheap to insure, and it’s worthwhile being aware of these factors so that you can pick a vehicle that won’t cost you too much.

One of the most significant factors is the engine size, with cars with less powerful engines deemed safer and thus cheaper to insure. A vehicle that can accelerate quickly and reach some high top speeds are considered by insurance providers to be more likely to get into accidents and encourage lousy driving habits. That’s why cars with smaller engines and more safety features are typically cheaper to insure.

Another factor that influences the cost of insurance is the specs and value of the car. Typically, higher specs and more expensive cars that use many unique parts will be more costly to insure, as they will cost the insurance provider more to fix if anything goes wrong. So to save money on car insurance, it’s best to choose an option that isn’t too fancy. In addition to being cheaper to fix, lower-value cars are less desirable for theft, meaning they’re less likely to be targeted for car-jacking or break-ins.

When comparing the cost of insurance, it will be very time-consuming to get a quote for each vehicle you’re interested in. A quick and reliable way to determine insurance costs is to check the car’s insurance group. Each vehicle is placed into one of 50 groups, With 1A being the best insurance group. Buying asking which group a car is in, you can quickly compare the estimated costs of insurance on a general level, helping you to pick the best car for you.

Another thing that can play a part in the insurance cost of a car is the age of it and the mileage that it’s been driven. An older car is more likely to break down and need servicing, and that risk is calculated by the insurance provider, leading to a more expensive premium than usual. Most of the time, buying new or younger cars will help you pay less for insurance, providing that its value is similar to an old car.

With the factors that make cars more expensive to insure clear, as well as the things you need to keep an eye out for when looking for the cheapest cars to insure, here’s a look at the top 10 vehicles available in the UK that are the least costly to get an insurance premium for.

Volkswagen Polo

Volkswagen Polo

Part of the 1E insurance group, the Volkswagen is one of the cheapest vehicles to insure in the UK, providing that you opt for one of the weaker, low-powered models. That said, if you value having a more powerful vehicle, you can still pick up boosted versions for cheap insurance costs.

The Polo is a fantastic vehicle when it comes to performance and practicality. Its compact size makes it great for town driving, yet it’s sturdy enough to handle motorway traffic and, crucially, can keep up with high speeds, accelerating on flat roads pretty well.

The Polo is a much-loved car for new drivers because it’s simple and easy to drive, with good, responsive steering and smooth chassis that creates a comfortable ride. The only downside is that the interior can be deemed a bit bland, lacking charisma and charm.

If you can overlook that, though, it’s a very sensible and well-rounded car that shouldn’t cost much to insure at all. It boasts a nice amount of room for passengers, an unusual positive for a vehicle of this size.

Volkswagen Polo Pros and Cons

Pros

Cons

quick car finance logo
Customer score
4.7/5

Based on over 1,182 reviews.

Citroen C1

Citroen C1

If you’re looking for a great city car that’s cheap to insure and run, then the Citroen C1 is a great option. Loved by insurance providers because of its thin wheels and compact size, this car is excellent for short-haul trips around town.

Modern C1s have a great touch of charm and personality, thanks to the colourful interior and exterior accents that make it a high with the youth. Plus, being in the cheap 1E insurance group also helps.

It has a pretty weak engine, which helps keep the insurance costs down, but it also means it struggles to perform on faster roads outside of town. It really does struggle on motorways, as the body can also catch crosswinds, leading to a less stable and relaxed drive at higher speeds.

However, because of its compact size and lack of luggage space, you will unlikely use the Citroen C1 for long-distance trips. In the city, it excels, as it’s easy to manoeuvre and can fit into tight spaces, making it an excellent option for new drivers. It’s got a nice bit of pep at speeds under 30mph, making it a fairly fun option when commuting through congested traffic.

Citroen C1 Pros and Cons

Pros

Cons

quick car finance logo