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The Best Used Cars For Affordable Insurance Policies

| In Motoring News

In 2023, more and more savvy motorists are finding value in the pre-owned vehicle market. Amid the ongoing quest for cost savings and value for money, it's essential to consider not just the initial purchase price of a vehicle, but also the ongoing costs associated with ownership – and a major factor in that equation is car insurance.

However, finding a balance between a vehicle that fulfils your needs and one that won't drive your insurance premiums through the roof can often feel like a bit of a puzzle. Luckily, we're here to help simplify the process. Here are 10 used cheapest used cars to insure in 2023.

What are Insurance Groups? 

Car insurance groups are a system used by insurers to classify vehicles into categories based on factors such as value, repair costs, performance, and safety. This system helps insurers to calculate the premiums they charge to insure each type of car. The groups are typically numbered from 1 to 50, with Group 1 representing the lowest risk and therefore the cheapest cars to insure, and Group 50 the highest risk and hence the most expensive.

The Top 10 Cheapest Used Cars to Insure

Volkswagen Polo

Insurance Group: 1

The Volkswagen Polo offers a blend of economy, comfort, and German engineering, making it a favourite amongst small hatchbacks. With its TSI engines' excellent fuel efficiency and performance, the Polo is an ideal choice for urban environments. It has an impressive safety record for a small car, which is certainly reflected in its competitive insurance premiums. 

Volkswagen UP

Insurance Group: 1

Compact yet incredibly practical, the Volkswagen UP is a perfect city car. Despite its size, it packs a punch in performance and offers exceptional fuel economy. Safety hasn't been compromised either, with the UP boasting a five-star Euro NCAP rating. This, combined with low repair costs, contributes to relatively low insurance premiums.

Skoda Fabia

Insurance Group: 3

With its bold design and compact size, the Toyota Aygo is an excellent urban car. Known for its reliability, it also offers an impressive level of safety for a car of its size. It boasts low running costs and its reasonable insurance group ratings make it an attractive choice for cost-conscious drivers.

Vauxhall Corsa

Insurance Group: 3

The Vauxhall Corsa is a well-rounded car that offers versatility, comfort, and economy. Its range of engines caters to different driving needs, and its safety features are robust. As a result, insurance costs are generally reasonable, reflecting the Corsa's good safety record and its status as one of the UK's most popular cars.

Renault Clio

Insurance Group: 4

Renault's Clio is a stalwart of the supermini class, offering a blend of style, practicality, and economy. The Clio's selection of efficient petrol and diesel engines, as well as the E-Tech hybrid model, offer a balance of performance and fuel efficiency that is perfect for city dwellers and long-distance commuters alike. The Renault Clio also boasts impressive safety ratings, which contributes to its reasonable insurance premiums. Depending on the exact model, trim level and specifications, the Clio falls into a range of insurance groups, typically towards the lower end of the scale.

Toyota Aygo X

Insurance Group: 6

The Toyota Aygo X is an evolution of the popular Aygo city car, offering an elevated driving position and rugged crossover styling. Like its predecessor, the Aygo X delivers excellent fuel efficiency, making it a cost-effective choice for urban driving. It's compact size and nimble handling make it easy to manoeuvre in tight city streets, yet it also offers enough comfort for longer journeys. As for safety, the Aygo X comes equipped with a number of advanced safety features as standard, and its repair costs are typically low, all of which help to keep insurance premiums affordable. Again, the exact insurance group can vary based on the specific model and trim level.

Fiat 500

Insurance Group: 7

The Fiat 500 is a car that stands out, with its retro-inspired design and compact dimensions. It's an ideal choice for city drivers, offering nimble handling and excellent fuel economy. With a range of safety features and low repair costs, it's not only a stylish choice but a sensible one too, as these factors contribute to lower insurance premiums.

Nissan Micra

Insurance Group:8

The Nissan Micra, known for its reliability and efficiency, is a popular choice for those seeking a practical and economical small car. Equipped with a range of safety features, it holds a strong reputation for safety. These attributes, along with typically low repair costs, help to make the Micra a cost-effective choice when it comes to insurance.

Seat Ibiza

Insurance Group: 8

The Seat Ibiza combines stylish Spanish design with reliable Volkswagen Group engineering. Its compact dimensions make it an excellent choice for urban driving, yet it offers a surprising amount of interior space. Its well-rated safety features and moderate repair costs help keep insurance premiums within an affordable range for most drivers.

Ford Fiesta

Insurance Group: 10

The Ford Fiesta is renowned for its drivability, comfort, and versatility. Its Ecoboost engines provide a balance of power and fuel economy that is highly desirable for city driving. Additionally, the Fiesta has won accolades for safety, with its various safety systems working to protect passengers. Insurance costs for the Fiesta can vary depending on the model and trim, but on average, premiums are fairly reasonable for a car in this class.


Those are 10 of the cheapest used cars to insure. For more tips and advice, check out our blog or follow us on Instagram or Facebook. Looking to sell your current car for one of these? Get a valuation of your car started today!