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The 10 cheapest cars to insure

With car insurance premiums continuing to increase, we’ve tracked down the top ten cheapest cars to cover.

Motorists of all ages are continuing to feel the pinch as the average cost of comprehensive motor insurance across all age groups now stands at £857 - a rise of £170 in the last 12 months.

But there are still some things within your control when it to comes to cutting the cost of car insurance and one of those is picking the right car. Below, we reveal the cheapest cars to insure across all age groups*.

The 10 cheapest cars to insure*

Car

Average cheapest premium

Rover 75 £420.52
Vauxhall Meriva £452.82
Honda CR-V £467.32
Honda Jazz £471.79
Ford Fusion £482.70
Toyota RAV-4 £491.25
Landrover Freelander £498.60
Citroen Xsara £503.44
Ford Mondeo £535.55
Jaguar X-Type £549.20

What makes a car cheap to insure?

Choose a car with a smaller engine, as bigger and faster vehicles cost more to insure. Insurers will also take into account the age of a car, how easy it is to maintain and repair, and how safe it is proven to be.

Other steps to cut the cost

Pay for you cover in one go. Paying monthly is an easy way to spread the cost of car cover but it’s certainly not the money-saving option as insurers charge interest for the privilege of paying in installments. If you don’t have the cash to hand, consider taking out a credit card with a 0 per cent interest rate. Opt for a card with at least a 12-month interest free period and you’ll have the best of both worlds – paying for your insurance in one go and repaying the credit card debt in manageable, monthly interest-free installments.

Higher excess, lower premium

Consider a higher voluntary excess to cut your annual premium. This is an amount you choose to pay in the event of a claim. In return for opting for a higher excess, the insurance provider will usually lower the premium. But don’t forget that the voluntary excess will always be paid in addition to any compulsory excess.

Value your vehicle accurately

It’s incorrect to assume the higher you value your car the more money you’ll receive in the event of a claim. Insurers will only pay out the current market value of the vehicle so inflating the value of your vehicle serves no purpose other than increasing your car insurance premium.

Don’t overestimate your mileage

Mileage is one of the rating factors insurers use to calculate a person’s premium so it pays to spend a little time trying to estimate as best as you can how many miles you’re likely to drive each year. But bear in mind that underestimating your mileage could invalidate your insurance policy when it comes to making a claim.

To find out more about the latest car insurance price rises. You can also use our interactive map to see how much you pay on average compared with other areas of the UK.

*Figures reflect the average cheapest premium returned for Confused.com motor quotes, across age groups 17 to 65+, in 2011 to date, for those seeking comprehensive cover, with a full UK licence and no claims or convictions.




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Naphtalia Loderick

Naphtalia Loderick

Naphtalia Loderick covers all things consumer for Confused.com. She started out on a weekly newspaper, via a national news agency and a stint in the fun but ‘not as glamorous as it appears on screen’ world of TV at the BBC researching consumer films for The One Show.

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