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Top 10 cheapest cars to insure in 2020

Buying a car that’s cheap to insure doesn’t automatically mean having to sacrifice comfort or style.
There are plenty of great-looking vehicles, packed full of latest gadgets, that won’t trigger sky-high premiums.
But with so many cars out there, it's a A little confusing to know where to start.
We've scoured the market to identify some of the most appealing contenders that combine stylish looks with performance – and affordability.

The top 10 cheapest cars to insure in 2020 are:

  1. Volkswagen Up!
  2. Nissan Micra
  3. Smart EQ ForFour
  4. Ford Fiesta
  5. SEAT Ibiza
  6. Skoda CITIGO-e iV
  7. Hyundai i10
  8. Fiat Panda
  9. Toyota Yaris Y20
  10. Kia Rio
Honourable mention:

  • Dacia Logan MCV

The amount of policy costs will largely depend on your car insurance group. There are 50 insurance groups in total.
The factors dictating the group include car car's value, performance, safety, security, and repair costs.
Generally, cars in lower insurance groups are usually the cheapest to cover because they're smaller, cheaper to repair and more economical as they have less powerful engines.


Volkswagen up! - insurance group 1*

Who wouldn’t fall in love with this little beauty? VW has a longstanding reputation for producing economical, spacious and reliable vehicles that also happen to be a lot of fun.
This model is part of the new ‘city car’ breed and measures just 3.6 meters long and 1.91 meters wide. Its main rivals in this space are the SEAT Mii and the Skoda Citigo.
You can get behind the wheel for just over £9,000, although there are plenty of options to suit your needs and budget.


Nissan Micra - insurance group 1*
The latest Micra has a look that divides opinion. But what’s not in doubt is that this is a well put together car that’s easy to drive and cheap to run.

There are four versions of this 5th generation version – Visa +, Acenta, N-Sport, and Tekna, with prices ranging from £14,000 to just over £18,000.

Nissan prides itself on offering multiple configurations to enable owners of this neat five-door hatchback to express themselves.

READ MORE: Best used cars for under £1,000
Smart EQ Forfour - insurance group 11*

We'll all be driving electric vehicles one day – and this is a great example for those wanting a four-seater option for nipping around the city.

This compact car has a range of around 70 miles, can cover 0-62mph in 12.7 seconds and has a maximum speed limited to 80mph. 
Useful tools include Active Brake Assist, which gives a warning when you get too close to another car. It also offers a decent amount of cargo space.
The smart EQ Control app allows you to keep an eye on the current battery status and range – all via your smartphone. Prices start from around £20,000.
Ford Fiesta - insurance group 2*
Can you remember a time before the Ford Fiesta? For more than 40 years, various versions of this little car have been a firm favourite with drivers.
It’s not hard to see why. They’re very well built, economical to run, easy to drive and reasonably cheap to repair.
There are plenty of model choices, starting from around £16,000 for the Trend. There are three and five door options, as well as different engine choices.

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