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New cars with the cheapest insurance costs

By raccars Published

VW Up!

As the cost of ownership becomes more expensive, which new cars offer the cheapest insurance?

Car insurance prices reached a record high earlier this year, so make sure you know how much you can expect to pay to insure any new car you are considering buying. Insurance premiums are organised into price categories called groups and each car falls into a group from 1-50, with cars in group one being the cheapest to insure and prices rising with the group number.

The cheapest insurance by category

City car

The badge engineered trio of the VW Up!, Skoda Citigo and the Seat Mii are great little cars which sit helpfully in the cheapest insurance group, 1. You might also want to consider the highly recommended Hyundai i10, which in 1.0 litre entry level spec also falls into group 1.

Supermini

Already known as the UK's cheapest new car, the Dacia Sandero also keeps running costs low by falling into insurance group 2. Among the many talented superminis on the market within insurance group 2 you could also choose the Skoda Fabia, Toyota Yaris or the Vauxhall Corsa.

Family hatchback

The Honda Civic in entry level, 1.4 litre format makes up in value for money what it lacks in glamour. It's one of the cheapest cars in its class to insure, falling into group 5. You're pretty restricted for cheap insurance in this particular segment but the excellent Ford Focus, Hyundai i30 and the Kia Cee'd are your next best bet, in insurance group 6.

Family saloon

The Hyundai i40 is an unusual entry into group 12 insurance, nestling among a bunch of smaller family hatchbacks and the faster, smarter superminis. If you need a family saloon and want to minimise insurance costs, you're limited to the i40 in 1.7 litre CRDi Blue Active spec.

Large saloon

The Skoda Superb is a hatchback in technical terms, but takes the character of an executive saloon - and it lives up to its name. Falling into insurance group 12 in 1.6 litre diesel format, it's also far cheaper to insure than other models in its class.

Luxury saloon

The Volvo S90 has only fairly recently and somewhat controversially been granted luxury status but manages to hang on to a lower insurance group than its rivals - group 27 in entry level guise compared to the BMW 7 Series, for example, in group 40.

Compact crossover

The Vauxhall Mokka is a cute and entertaining member of the compact crossover class and wonderfully cheap to insure, falling into group 5.

Crossover

The Nissan Qashqai remains by far the best selling crossover model, but the latest generation Kia Sportage is cheaper and has a lot to offer, not least an insurance group rating of 11 for a 1.6 litre petrol model.

Compact SUV

The Dacia Duster doesn't pretend to be sophisticated in any way and enjoys its status as a value for money, practical and reasonably competent small off-roader. An incredibly low insurance group 5 rating makes it even more attractive. You'd pay more to insure the Fiat Panda 4x4.

Large SUV

The Mitsubishi Shogun clings determinedly to its SUV status in a world where everyone wants to be a crossover. It's always provided an excellent alternative to a Land Rover and is cheaper to insure than most cars of similar capabilities at insurance group 30.

5 seat MPV

The Peugeot Partner Teepee isn't the most fashionable name in its sector, nor is it the most stylish or the best to drive. However it is brilliantly versatile and comically cheap to insure, in insurance group 2.

7 seat MPV

The Ford Grand Tourneo Connect is surprisingly cheap to insure, in group 6 as a seven seater. It's also pretty smart, comfortable and very practical if you regularly drive around a large group of people.

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