Five Cheapest Cars to Insure

cheapest car insuranceMoneys Tight so Buy Wisely

While who you are may have a huge bearing on how much you pay for your car insurance, the car you drive will also be highly significant. An economical car will not only save you money on your car insurance, it will also be cheaper to service and obtain parts for.

So as premiums continue to rocket, we’ve put together a brief guide to the five cheapest cars to insure. If you are on the look out for a used car and are on a tight budget, the following motors could be right up your street.

And while they will be cheap to insure, make sure you compare quotes from as many providers as possible before signing on the dotted line.  Here are some great little cars that won’t break the bank when it comes to insurance renewal time:

Citroen C1 1.0i VibeCitroen C1 1.0i Vibe

Surprisingly roomy for a small car, the Citroen C1 boasts cracking fuel economy figures of 62.3mpg. Comes with a pretty low purchase price too, delivers a good drives and sits in insurance group one.

Toyota Yaris 1.0 VVT-i T2

A highly-reliable little car, the Yaris has enjoyed critical acclaim from motoring journalists and scores highly in consumer surveys for reliability. Light, easy to handle and quite adept at negotiating tight urban environments, this high-quality mini is a versatile motor, nipping to insurance group one.

Smart fortwo 1.0 Pure Coupe 2dSmart fortwo 1.0 Pure Coupe 2d

Squeezing into insurance group two, the Smart fortwo is also adept and slotting itself into some pretty tight parking space. Clearly a car for nipping round the city streets, it can get a bit noisy at greater speeds and won’t provide you with a particularly smooth driving experience. Has pretty low running costs though.

Toyota Aygo 1.0Toyota Aygo 1.0

Don’t let the size full you, the cheeky-looking Aygo is a serious performer, with a top-notch engine. If bought new, you can also benefit from Toyota’s five-year warranty. Running costs are quite low and economy is high, with a 62.2 mpg not beyond it. The Aygo is in insurance group two.

Nissan Pixo 1.0 12v Acenta H/b 5dNissan Pixo 1.0 12v Acenta 5d

Another small car punching above its weight, the Nissan Pixo is lacking when it comes to performance and delivers highly attractive economy figures of 64.4mpg.  Really at home around city streets, it’s classed in insurance group two.

Shop Around to Save Money

Needless to say, you’ll be shopping around for car insurance, as well as the fuel to go in it don’t be afraid to drive a hard bargain when it comes to buying a used car.

Cheap Car Insurance Groups – how are they decided?

Each car available today belongs to one of 50 insurance groups set by the Group Rating Panel

Generally the lower a car’s group number, the cheaper it will to be to insure.  EG cars within groups 1-5 are far more likely to attract the cheapest car insurance.

The group rating is decided by a number of factors:

  • Car performance: the car’s acceleration and top speed
  • Car security: what security features the car has
  • Cost of parts: the cost of 23 of the most common parts
  • Maintenance: how much and how long the car takes to fix
  • Car value: the price of the car as new

For more details visit Thatcham insurance group calculator.

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