5 Affordable Low Insurance Options
Car insurance can be one of the biggest costs for UK drivers, especially for new or young motorists. If you’ve ever wondered which cars have low insurance, you’re not alone. The good news is that there are plenty of low insurance cars available that won’t break the bank. At Motor City Plymouth, we’ve picked five great models that are not only fun and practical to drive, but also sit in low insurance groups – meaning smaller bills and bigger savings for you.
What Affects Your Car Insurance?
When it comes to cheap insurance for cars, several factors decide how much you’ll pay. The main one is your car’s insurance group rating. Cars in groups 1 to 10 are the cheapest to insure, while those in higher groups tend to cost more.
Small engines usually mean lower insurance, as they’re less powerful and cheaper to repair. A car with a 1.0 or 1.2-litre engine, for example, will often fall into a low insurance group. Safety also plays a big role – cars with strong crash-test scores and modern safety features (like ABS or multiple airbags) help keep costs down.
Repair costs matter too. Cars that use easy-to-find parts are cheaper for insurers to fix, so your premium is lower. Of course, your own age and driving experience are important as well – but choosing one of these low insurance cars is a smart place to start.
Our Top 5 Picks for Low-Insurance Cars
If you’re asking which cars have cheap insurance, here are our five favourites – all available at Motor City Plymouth.
1. Citroën C1
The Citroën C1 is one of the best cars for insurance in the UK. It’s perfect for city driving and parking in tight spots. Running costs are very low, and it sits in one of the cheapest insurance groups. It’s ideal for new drivers or anyone looking for affordable motoring in Plymouth.
2. Peugeot 108
The Peugeot 108 is another excellent choice among cheap insurance cars. It shares the same reliable platform as the C1 but adds a touch of French style. It’s easy to drive, economical, and comes with plenty of modern features. With insurance groups starting as low as group 3, it’s a great option for those watching their budget.
3. Toyota Aygo
Reliable, fun, and fuel-efficient, the Toyota Aygo is one of the best cars for insurance in its class. Toyota’s strong reputation for reliability helps keep repair costs down, which insurers love. It’s also packed with safety tech, making it perfect for new drivers and small families alike.
4. Renault Clio
If you want something a little bigger but still affordable, the Renault Clio is a great choice. Its smaller engine options keep insurance costs low, while offering a roomy interior and a comfortable drive. It’s a brilliant all-rounder and perfect for young families or commuters who want practicality without high costs.
5. Volkswagen Up!
The Volkswagen Up! combines smart looks with low running costs and strong build quality. It feels solid on the road but stays cheap to insure thanks to its efficient 1.0-litre engine. Inside, it’s surprisingly spacious for a city car. If you’re wondering which cars have low insurance and want something stylish, this could be the one for you.
Why Choose Motor City Plymouth?
At Motor City Plymouth, we understand that insurance costs can be confusing. That’s why we help you find low insurance cars that fit your lifestyle and budget. Our expert team can guide you through which models fall into the lowest insurance groups, and we have a great range of small, affordable cars ready to test drive.
Whether you’re a new driver looking for your first car, or simply want to save money on running costs, these models are among the best cars for insurance available today.
Visit Us Today
Small engines, good safety ratings, and easy repair costs all help make these cheap insurance cars a great choice for drivers in Plymouth. Come and see them for yourself at Motor City Plymouth, where we always have a range of low insurance cars in stock.
Browse our full selection online, or contact our friendly team to book a test drive. Find out for yourself why we’re Plymouth’s trusted dealership for the best cars for insurance and affordable motoring.