10 Cheapest Cars to Insure for New Drivers in the UK (2025)

Finding affordable car insurance can feel like an impossible mission, especially when you’re just starting out. But don’t worry, we’ve got you covered! This blog post will cover the 10 cheapest cars to insure for new drivers in the UK in 2025.

Selecting one of these cars will help you save money and get on the road with confidence. So, without any further ado, let’s get started!

Why is Car Selection So Important for New Drivers to Get Cheap Insurance?

Before we start listing down the cheapest cars to insure for new drivers, we need to discuss something more important. Why the right car selection is so important for new drivers in the UK?

Now, we know that your car type is the key factor in determining your car insurance cost. This is true even if you’re an experienced driver.

However, this becomes even more important for new drivers who are already facing higher insurance premiums. This is because insurers consider new drivers at a higher risk of getting into accidents. Factors like inexperience and higher rates of speeding incidents contribute to this.

Now, you cannot change the way insurance companies look at you as a new driver. But what you can do is choose the right car. It is entirely in your hands.

Post-2010, all cars are divided into 50 insurance groups. The cars in higher groups have higher premiums, while for those in lower groups, you have to pay less. So, choosing a smaller car in lower insurance groups can go a long way toward reducing your insurance premiums.

This is because smaller cars in lower insurance groups have smaller engines. And cars with smaller engines are less likely to cause high-speed accidents. Insurers view these cars as lower risk.

So, it very well comes down to car selection for new drivers if they want to get cheap car insurance.

10 Cheapest Cars to Insure for New Drivers in 2025

Now that you understand why car selection is important for new drivers let’s look at some cars you should choose. Here are the 10 cheapest cars to insure for new drivers in the UK in 2025:

1. Hyundai i10

Hyundai i10 is a fantastic choice for new drivers. Its various trims and models sit in insurance groups 1 through 7. For instance, Hyundai i10 1.0 S Air 5d is in Group 1. On the other hand, Hyundai i10 1.2 Premium SE 5d Auto falls into Group 7.

Therefore, the exact insurance cost would depend upon the model you choose. But it is a great choice altogether! It is compact and easy to manoeuvre, perfect for urban driving. You can expect a stylish design that appeals to younger motorists.

Under the hood, you have options between a 1.0-litre and a 1.2-litre engine. The smaller engine is particularly economical, achieving up to 55 mpg. This efficiency helps keep your fuel costs low.

Inside, the i10 offers a spacious cabin with good visibility. The boot space is adequate for everyday needs, accommodating luggage with ease.

2. Volkswagen Up

Volkswagen Up is another excellent option when it comes to cheap car insurance for new drivers. Most of its trims and models fall into 1,2, or 3 insurance groups. There are some newer models in insurance group 17, but you need to avoid them as a new driver.

VW Up keeps your premiums manageable while offering a fun driving experience. Its compact size makes it easy to park and navigate busy streets.

You’ll appreciate its efficient engines, particularly the 1.0-litre petrol variant that delivers 60 mpg. Volkswagen Up features a modern design with quality materials that feel premium for its class.

Overall, the Volkswagen Up is practical, economical, and stylish. It is an ideal combination for new drivers looking to keep insurance costs low.

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3. SEAT Ibiza

SEAT Ibiza is a stylish supermini that starts at Insurance Group 2. Its sporty design and vibrant colour options appeal to younger drivers under 25 seeking something fun yet practical.

Its engine choices include a 1.0-litre turbocharged petrol engine that offers excellent performance while achieving around 55 mpg. This balance ensures you enjoy spirited drives without breaking the bank on fuel or insurance.

SEAT also prioritises safety. Many of its models come equipped with advanced safety features like autonomous emergency braking and lane-keeping assist.

4. Kia Picanto  

Kia Picanto is an ideal choice for new drivers looking for affordability in insurance costs. Its models sit in insurance groups 3 to 10.

Kia Picanto is a popular choice, offering great value overall. This compact car features a peppy 1.0-litre engine that provides excellent fuel efficiency. The Picanto’s small size makes it easy to navigate through tight city streets and park in small spaces.

Kia also offers an impressive warranty on the Picanto in the UK. This ensures peace of mind as you gain driving experience.

5. Skoda Fabia

Skoda Fabia is another good car for young drivers. It offers various choices when it comes to engine size. The models of Skoda Fabia with smaller engines fall in Insurance Group 1. With its range of efficient engines, you can expect fuel economy figures around 50 mpg.

The Fabia’s interior is spacious and well-designed, providing comfort for drivers and passengers alike. You’ll find ample boot space suitable for luggage or groceries.

Overall, the Skoda Fabia combines practicality with low running costs. It is ideal for new drivers looking to minimise expenses.

6. Toyota Aygo X

Toyota Aygo X offers an exciting option for new drivers looking to keep insurance costs down. With insurance groups ranging from 5 to 7, this compact car provides an affordable entry point into motoring. You’ll enjoy a lively performance from the efficient 1.0-litre petrol engine.

Aygo’s cabin packs technology features such as Apple CarPlay and Android Auto. Thanks to its robust construction and advanced safety systems, the Aygo X also boasts impressive safety ratings.

Then there’s Toyota’s reputation for reliability. This means that you can trust this car as you develop your driving skills. If you own a Toyota car previously and are looking to change your car, you can sell your Toyota car through us.

7. Ford Fiesta

Although no longer available as a new model, Ford Fiesta remains popular among used car buyers in the UK. Depending on the trim level, its models typically fall into groups 2 to 16.

You can select from various engines. However, the 1.0-litre EcoBoost model stands out with its punchy performance and average mpg of around 60. This makes the Ford Fiesta ideal for budget-conscious drivers looking to save money on insurance.

Fiesta features Ford’s SYNC infotainment system, which keeps you connected. Safety ratings are high, too, and many models come equipped with advanced driver assistance systems.

As one of Britain’s best-selling cars over many years, there are plenty of used options available. It allows you to be picky about condition and mileage without overspending on insurance premiums.

8. MG 3

MG 3 slots into insurance groups 4-8, making it accessible for new drivers looking to save money on premiums. This five-door hatchback is equipped with a lively 1.5-litre engine that provides decent performance. It can achieve around 40 mpg, which isn’t bad considering its size!

MG 3 is a practical choice if you’re planning weekend trips or need extra room during daily commutes. While some interior materials may feel less premium than its rivals, the overall value remains strong given its price point.

9. Fiat Punto

Fiat Punto remains an attractive option if you’re searching for budget-friendly insurance rates. Its models start at insurance group 4, allowing new drivers to get affordable insurance!

With Ford Punto, you can expect fuel economy figures around 50 mpg. Inside this hatchback lies ample room designed thoughtfully. So, if you’re after something stylish yet practical at reasonable prices, consider adding Fiat Punto to your shortlist!

10. Volkswagen Polo

Volkswagen Polo can also be a great choice for new drivers. The cheapest Polo will generally fall in the first insurance group! You’ll love how well-built this supermini feels. Its solid construction contributes positively to overall safety ratings, which help keep premiums low!

Engine options include efficient petrol variants offering impressive fuel economy figures. Volkswagen Polo averages around 50-60 mpg, depending on how hard you push the gas! Volkswagen is reliable yet fun to drive. Plus, it won’t break the bank while insuring!

Frequently Asked Questions

1. Why is car insurance expensive for new drivers?

Car insurance for new drivers is quite expensive for two main reasons.

First, insurance companies consider that young drivers are more likely to get into an accident due to their inexperience. There are plenty of statistics to support this assumption. Second, new drivers can’t get any no-claim discounts due to their lack of driving history.

Both these reasons contribute to why new drivers can’t find cheap car insurance.

2. How can you get cheap car insurance for new drivers in the UK?

In addition to choosing the right car, there are many ways to get cheap car insurance for new drivers. Firstly, it comes down to the insurance type you choose.

Opting for black box insurance or named driver policies can help reduce your premiums. Secondly, you can enrol in an advanced driving course to demonstrate your driving skills.

Lastly, paying higher excess and choosing to pay annually can also help you get cheaper insurance.

Wrapping Up: Cheapest Cars to Insure for New Drivers

In conclusion, choosing the right car is essential for you as a new driver. Selecting one of the cheapest cars to insure for new drivers leads to long-term savings for you.

However, it is also important to remember other things in addition to car selection. For instance, choosing the correct insurance type is equally critical to keeping insurance costs low.

Read our blog to find advice on more ways to secure cheap car insurance for new drivers.