Full list of 10 cheapest cars to insure in 2025
Car insurance can be costly and often depends on the make and model of the vehicle
Many new drivers - or even those still learning - forget to consider car insurance when they're thinking about getting a new car. However, car insurance can be costly, with a number of different factors being taken into account.
Insurance premiums can vary widely, as factors such as age, driving history, and safety features, are taken into consideration when it comes to insuring different makes and models. According to MoneySuperMarket, in the UK, cars are categorised into one of 50 insurance groups.
Group 1 is the lowest risk and cheapest to insure and Group 50 - the fastest and flashiest cars - the highest risk and most expensive to cover. However, factors like age play a big role in how much you pay for car insurance.
This means that the cheapest cars to insure for new drivers differs from what is generally cheaper for everyone. Among the many factors taken into account when calculating premiums are the model of car, the driver's details and claims history.
Also considered are the car make and model, car modifications, and annual mileage. The driver's occupation and age are also factored into the decision.
MoneySuperMarket has created a list of the cheapest cars to insure, in order to give drivers an idea of the types of cars that are generally less expensive.
Cheapest cars to insure for 2025
Mini Cooper (184) - average annual premium £279
Porsche Boxster S - average annual premium £282
Mini Cooper (122) - average annual premium £294
Porsche Boxster - average annual premium £295
Ford KA - average annual premium £299
Jaguar X-Type SE DCI - average annual premium £309
Audi TT Quattro (225) Coupe - average annual premium £310
Mercedes-Benz SLK 200K (163) Convertible - average annual premium £312
Mazda MX-5 Cabriolet - average annual premium £314
Ford Fiesta - average annual premium £318
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The Guardian
6 days ago
- The Guardian
10 ways young UK drivers can avoid high car insurance costs
Young people usually pay more in car insurance – sometimes a lot more – as they are statistically more likely to be involved in an accident and policies are based on overall risk. Those aged between 17 and 24 pay £828 on average, close to double the £476 typically paid by 25-to 49-year-olds, according to data from the comparison site However, comparing quotes can still save you hundreds of pounds. Comparison sites – others include MoneySuperMarket, and Compare the Market – let you easily see prices across dozens of insurers. Experts say getting quotes about three to four weeks before your policy is due to start often results in cheaper deals. Adding a parent, or any other experienced motorist as a named driver – as long as they drive the car occasionally – can help lower your premium. Insurers see this as spreading the risk as the vehicle is not just driven by someone with little experience. Look for someone with a clean licence and many years of no claims. Whatever you do, don't pretend someone else is the main driver – that is known as 'fronting', and is illegal. Generally, the smaller and less powerful the car, the cheaper it will be to insure. Go for something in a low insurance group (cars are put into one of 50 groups), typically the less expensive models with small engines and where the cost of parts and repairs are generally lower. The cheapest for 17- to 25-year-olds include Volkswagen's up! (averaging £576 a year), the Suzuki Alto (£597) and the Fiat 500 (£604), according to 'This shows it is smaller cars – specifically modest one-litre engine hatchbacks – which are taking the top spots as the cheapest cars to insure for young drivers,' says Tom Banks at Buying secondhand will keep costs down. Just make sure it is in good condition and has a full service history. 'Avoid making modifications, too, as these could lead to a hike in the price,' says Andrew Lee at the insurer Marmalade, which specialises in young drivers. A black box, or telematics, is a great way to reduce costs over time. A small device (or an app on your phone) tracks how safely you drive. If you stick to speed limits, avoid harsh braking and do not drive late at night, you could earn a lower insurance quote or repayments, adds Banks. 'If the data shows consistent safe driving, insurers might reward policyholders with benefits like lower premiums, cashback or a voucher, either during your policy term, or when it's time to renew,' he adds. According to the median price for a 19-year-old driver with a telematics policy is £864 a year. This compares with £1,096 without telematics. At age 23, the difference is only £21: £636 with telematics; £657 without. If you don't make a claim, you will earn a no-claims discount, which can further reduce costs. However, there are some potential disadvantages to a black box. It will record poor habits and so could result in higher premiums. 'If you don't drive carefully, or within pre-arranged limits of your policy, you could end up paying more,' Banks says. If you are already insured, do not just accept your renewal quote. Use comparison sites to see what others are charging for the same, or similar, cover, then go back to your current insurer and see whether it will match, or beat, those prices. Monthly payments may be easier for some younger people to handle, but they often involve paying interest on the premiums – sometimes as much as 30% APR. If you can afford to pay in one go, it is nearly always cheaper. If an annual payment is not possible, it is worth looking into alternatives such as a 0% interest credit card (provided you can pay it off before interest kicks in). Or set aside money each month. Where, and how, you park matters. Insurers like driveways more than street parking, so prices tend to fall if you have access to one. If your building has designated private parking, whether gated or residents only, that is also usually rated as safer than street parking. If you have a fob-controlled or gated car park, even better. Mention it when getting quotes. And adding a steering wheel lock, immobiliser or dashcam can help. The more secure your car, the less of a risk it poses – and the more likely something will be shaved off your premium. What you put as your job title can affect how much you pay – sometimes by hundreds of pounds. That's because data based on years of claims is used. Some professions are flagged as higher risk, either because of how often people in those jobs claim, or the way they are perceived to use their cars. Many forms include a dropdown menu for job titles, and choosing a different, but still legitimately accurate, title – such as 'writer' instead of 'journalist' – could lower your premium. Make sure it is truthful. False information could invalidate your policy. MoneySuperMarket has a 'car insurance job picker' to help you identify the role that best describes what you do, and find the average premium for each job. Your excess is what you pay towards a claim before your insurer chips in. It is usually split into two parts: a compulsory excess, which is set by your insurer and non-negotiable; and a voluntary excess, the extra you choose to pay on top. 'The most common excess chosen by our customers is £250,' says Rhydian Jones, a car insurance expert at 'But opting for a higher – or sometimes even lower – excess can help reduce the overall cost of your cover. Experiment with your excess amount when comparing quotes to see if you could save.' The higher the voluntary excess, the lower your premium tends to be. 'Make sure you can afford to pay the excess amount you have stated,' says Lee, otherwise you could be left in a tricky situation. The discount increases with each year you drive claim-free. After just one year, you could get a 20% to 30% discount. After five years, some insurers will knock 60% or more off your premium. Your no-claims discount is tied to you, not the car – so if you change your vehicle or insurer, you can usually transfer it. Even if you have an accident, it will not always wipe out your discount – especially if you are not at fault and the other driver's insurer pays. It is worth asking your insurer to confirm how much your premium would go up by if you made a claim.
The Sun
28-05-2025
- The Sun
Mini John Cooper Works Electric is a riot on wheels with Mario Kart vibes, punchy pace and top tech cabin
IF your bin lid is addicted to driving games like Mario Kart or Gran Turismo, trust me, that's good parenting. They'll make safer drivers one day. 3 3 3 All the research I've seen suggests gamers have faster reaction times, better awareness of what's going on around them, and greater driving confidence. They are also less likely to get penalty points. I was reminded of this trying the new Mini John Cooper Works Electric. Basically half-car, half-PlayStation. Pop it in 'Go-Kart' mode and you'll hear a cheery 'Woo-hoo', like you've just landed in Mario Kart World. The boost button on the steering wheel is for instant acceleration, obviously. But it also flashes up a kaleidoscope of patterns on the touchscreen counting down from ten seconds to zero. Your passengers will enjoy that. You'll be too busy trying to dodge bananas on Rainbow Road. Every Mini is wired for fun. You know that. You don't need to slow for corners in a Mini. JCW versions dial everything up to 11. Especially the electric one. Mini Cooper Electric is fun & fast with classic cabin & stripped-back looks that recaptures feel of legendary ancestors The petrol JCW is 231hp and catapults from 0-62mph in 6.1 seconds. The electric JCW is 258hp, including that 27hp boost function, and two tenths quicker off the line. You can also play 'Go Kart Go' and 'Burnin' Rubber 5' on that dinner plate-sized OLED screen. There's not much in it in terms of cost. About £2k extra for the EV. The sticky bit is range. You'll get around 160-180 miles in the real world. So you'll need a driveway to top up the battery overnight. The petrol JCW goes a lot further. As for looks, the regular Mini Cooper is class – inside and out. JCWs have more attitude with bonnet stripes, a siiiiiiick red-to-black roof fade, red brake calipers, chequered flag detailing and so on. I'm repeating myself here but Mini cabin quality is absolutely top notch these days. Retro toggle bar and turn-key start mixed with cutting-edge BMW tech and knitted recycled materials. You can also play 'Go Kart Go' and 'Burnin' Rubber 5' on that dinner plate-sized OLED screen.
Top Gear
28-05-2025
- Top Gear
Buy Mini Cooper Electric Price, PPC or HP
Buying What should I be paying? The Mini Cooper Electric range is slightly difficult to get your head round – first you choose your powertrain. The E has the lesser powered 182bhp motor and smaller 36.6kWh battery and starts at £26,905. The SE comes with 215bhp, a larger 49.2kWh battery and starts at £29,905. Each of those can be had in Classic, Exclusive or Sport trim. You get 16in wheels on the Classic, 17s on Essential and 18in alloys on the Sport, as well as a variety of body kits and interior styling treatments. The uplifts in these trims are the same whether you're in an E or SE – Exclusive is £2,200 more than Classic, and Sport is an extra £1,300 over Exclusive. Advertisement - Page continues below The JCW hot hatch model sits by itself at the top of the range at £34,905. It's on 18in alloys and gets a bespoke body kit and racier interior. Naturally. What about the kit? There are two upgrade packages available on the Cooper Electric – if you buy an E, Level 1 is £2k and Level 2 is another £4k. But if you go for the SE, Level 1 is included and Level 2 drops to £2k. Confuzzled yet? There's a mystical Level 3 package that's only available on SE Exclusive cars and above, and that costs £4.5k. It's ridiculous to try and get your head round, but that's numberwang. Level 1 brings heated front seats, keyless entry, LED headlights, head-up display and wireless phone charging. Level 2 brings a panoramic sunroof, fancier windows that filter out some of the sun and a Harmon Kardon sound system. Level 3 has self-parking tech and augmented reality satnav tech that shows you a video of where you're driving but with arrows and that. Advertisement - Page continues below Which one should I go for? The bigger battery seems like a no brainer, and for the sake of the ride we'd probably for the basic Mini Cooper SE Classic model. The John Cooper Works is a fun attempt at an electric hot hatch, but when an Alpine A290 is less money and a Renault 5 less again? Hmm.
