Car insurance is up there with the worst drivers of the cost of living crisis, and finding the cheapest new cars to insure is a must-do, particularly for new drivers.
According to data from comparison site Confused.com, the average premium increased by £284 in 2024, up year on year by 43% to a whopping £941.
But don’t fret. It appears there’s good news on the horizon. Prices have gradually dropped over the past few months, and the average quote is now around £834.
That’s not exactly cheap, of course, but there is still a good choice of affordable cars in low insurance groups that can help to bring the cost down even further.
This top 10 list features affordable cars ranked in order of the cheapest available car insurance quotes. Each quote is based on a 35-year-old male who lives in Swindon and works as a teacher.
This driver commutes by car, parking it on the street during the day and in a residential space overnight. He drives 8000 miles per year. His licence has no penalty points and a full 18 years of no-claims bonus.
According to our research, the cheapest new car to insure in the UK today is the Toyota Aygo X. Read on to see the rest of the top 10, which consists mostly of superminis and hatchbacks, with the odd SUV here or there…
Annual insurance premium £309.34
List price £16,515
The cheapest car to insure in the UK according to our research is the Toyota Aygo X, which, when selected with its entry-level Advance trim and 1.0-litre petrol engine, comes in at just over £300 a month.
The Toyota Aygo X is a solid city car with a playful interior, great ergonomics and a sophisticated chassis. Given its small stature, though, it is on the expensive side, and its 71bhp three-pot engine is rather wheezy.
Read our Toyota Aygo X review
Annual insurance premium £316.67
List price £16,380
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I see that EVs dont make a great showing in this top 10!
Agreed, this makes no sense. Surely all things being equal there should be a direct correlation between the Group Rating and cost to insure? Otherwise why bother with the rating. This "guide effectively tells us there is no significant difference between any of the cars listed,
Also looking at the insurance groups shows what a nonsense the whole thing is, the picanto is a lower group and cheaper to buy than the 500 yet costs more, surely the lower value and insurance group should make it cheaper, same for the MG, a lower group and cost than the 500 and panda, yet more expensive to insure. What's the point of the groupings? They serve no purpose when a group 1 car is more expensive than a group 10.