Which used cars are the cheapest to insure?

Posted on 10th November 2023

Which used cars are the cheapest to insure?

When looking to buy your next used car, you need to think about more than your monthly finance payments.

Even though used car prices are the lowest they have been in 3 years, having a car can be expensive to run and maintain - as we have to fork out for fuel, service and MOTs, road tax, and any other emergency.

Choosing a make and model with cheap insurance is one way to keep the cost down.

It is important to get the right insurance for your car - it provides cover for you and the vehicle in case of an accident. 

Car insurance is a legal obligation, you should not be driving without it.

It also does not have to break the bank, there are certain makes and models that are cheaper to insure.

Every car is in an insurance group - there are 50 groups and the insurers use this grouping to set how much you will pay.

Group 1 is the cheapest to insure, and Group 50 is the most expensive.

If you want to keep the cost down, choose a car with a low insurance group.

Low insurance group cars usually have less powerful engines, good safety, and are cheap to buy and repair.

This means they are great for young drivers - new drivers usually have higher insurance premiums so a low insurance group will keep the cost down.

If you are looking for a more luxury car, it will definitely be in a higher insurance group. The best way to save some cash would be to compare car insurance policies and find the best deal.

View our cars from low insurance to high insurance - click here.

Here are 10 low-insurance cars at HPL Motors that will keep your costs down.

Škoda Citigo

Insurance group: 1

The Skoda Citigo can be from insurance group 1 onwards - with the 59bhp 1.0-litre petrol engine in S, SE, and Monte Carlo trim in the lowest group.

There are plenty of trims and options that can upgrade the basic entry-level car - making it the perfect city car or first car.

Volkswagen Polo

Insurance group: 1 - 26

A Volkswagen Polo varies from as low as insurance group 1, up to higher groups. 

If you are looking to keep the costs down, look for a lower engine size, specification, fuel tank size, and gears.

They are sleek and comfortable - a classy hatchback.

Fiat 500

Insurance group: 8

Although a Fiat 500 is a relatively higher insurance group than some of the others on this list, they offer a huge range of trims to suit your desires; including the much-loved Lounge and Pop.

Seat Ibiza

Insurance group: 2 - 19

Different models of Seat Ibiza’s fall into a range of insurance groups. 

If you want a more high-end car, then you will likely have to go for a higher insurance group. 

But you can get a brilliant Ibiza with a low insurance group. 

Kia Picanto

Insurance group: 2 - 7

The Kia Picanto is a nifty, easy-to-drive car. It is the perfect first car or city car. 

It is also cheap to run, which makes its low insurance group even the more sweeter.

If you are looking for a faster model, you can upgrade the engine with a turbocharged unit but this would cost more to insure. 

Renault Clio

Insurance group: 3

The Renault Clio is one of the safest cars - which keeps insurance premiums low. 

It is the perfect small family car, but without sacrificing style and high-spec design.

Volkswagen UP!

Insurance group: 2

Much like the Skoda Citigo, the Volkswagen Up! is small but mighty. It is a brilliant compact city car that doesn’t forgo comfort and space. 

Alongside being in a low insurance group, it is inexpensive to run - especially if you opt for an electric version, the e-up!

Ford Fiesta

Insurance group: 7

Although new models are no longer being made, the Ford Fiesta has been one of the best-selling cars in the country.

 But they are brilliant all-rounders, so it is a relief they are still available in the used car market.

The 1.1-litre petrol engine is a lower insurance group than other models, but even though you may have to pay more in insurance with these, they are very economical.

Hyundai i10

Insurance group: 3

The Hyundai i10 is the perfect small car for driving around the town/city to get your weekly jobs done. It is also a breeze to park.

Even the more high-specification i10s are in very low insurance groups - your car can have cruise control, electric windows, and a heated steering wheel while sitting in a low group from 3 onwards.

Dacia Sandero

Insurance group: 2 - 12

The Dacia Sandero is another quality small family car. It is very fuel efficient and has low service costs. Alongside low insurance groups, the Sandero is overall relatively cheap to run.

Despite the low costs, the Sandero has great car technology, such as rearview cameras, sat nav, cruise control, parking sensors, and more…

We have over 800 approved used cars for sale across our three sites in Oldham, Preston, and Atherton. HPL Motors stocks all popular makes and models, from Kia Niro to Tesla. Whether you love electric cars, sports cars, or family cars, we have the right one for you.

But if you cannot find exactly what you are looking for, get in touch. We can help find your perfect car for the best price. 

Used car prices are the lowest they have been in 3 years - there is a huge gap between the price of new and the price of used cars. There has never been a better time to buy used!

Car buyers can choose their perfect next car at HPL Motors and drive away happy. Many of our cars are good to drive away on the same day.

We sell used cars from Manchester and Lancashire to customers all across the country.

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