Car insurance can be costly and often depends on the make and model of the vehicle
Many new drivers – or even those still learning – forget to consider car insurance when they’re thinking about getting a new car. However, car insurance can be costly, with a number of different factors being taken into account.
Insurance premiums can vary widely, as factors such as age, driving history, and safety features, are taken into consideration when it comes to insuring different makes and models. According to MoneySuperMarket, in the UK, cars are categorised into one of 50 insurance groups.
Group 1 is the lowest risk and cheapest to insure and Group 50 – the fastest and flashiest cars – the highest risk and most expensive to cover. However, factors like age play a big role in how much you pay for car insurance.
This means that the cheapest cars to insure for new drivers differs from what is generally cheaper for everyone. Among the many factors taken into account when calculating premiums are the model of car, the driver’s details and claims history.
Also considered are the car make and model, car modifications, and annual mileage. The driver’s occupation and age are also factored into the decision.
MoneySuperMarket has created a list of the cheapest cars to insure, in order to give drivers an idea of the types of cars that are generally less expensive.
Cheapest cars to insure for 2025
- Mini Cooper (184) – average annual premium £279
- Porsche Boxster S – average annual premium £282
- Mini Cooper (122) – average annual premium £294
- Porsche Boxster – average annual premium £295
- Ford KA – average annual premium £299
- Jaguar X-Type SE DCI – average annual premium £309
- Audi TT Quattro (225) Coupe – average annual premium £310
- Mercedes-Benz SLK 200K (163) Convertible – average annual premium £312
- Mazda MX-5 Cabriolet – average annual premium £314
- Ford Fiesta – average annual premium £318
