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If you’ve seen or read the news recently, you might be aware that car insurance is big news again. The Association of British Insurers reported that car insurance premiums have hit the highest levels ever. They’ve done so at quite a rate – going up by more than five times the rate of inflation in 2016!

So, is there anything you can do about it and are there cheap cars to insure out there? Let’s find out.

Why is car insurance expensive?

It’s obviously a contentious subject, but the ABI pointed to a few factors that are contributing. These include the rise of whiplash-style claims and costs, average repair bills up 32% over the past three years and higher insurance premium tax levied by the government.  

What influences the cost of my car insurance?

There are a number of factors that make car insurance more expensive for one person than another. These include:

What are the cheapest cars to insure?

Our experts have done some research to find out which are currently the cheapest cars to insure. Our average premiums are taken from comparethemarket.com data from July to September 2017 and are based on all customer car insurance quotes, from people with different age ranges, addresses and driving histories. You may find a cheaper or more expensive quote based on your own personal circumstances.

Alternatively, if you’re a young driver, here are the cars we found were cheaper to insure for young drivers. And if you’re in the market for a cheap family car, take a look here.

List of the cheapest cars to insure

1) Dacia Logan

One of the most affordable estate cars on the market at the moment, the average cost to insure the Dacia Logan is £379.64**. Offering a comfortable ride, it rates high on practicality too, boasting a 573-litre boot space– and the rear seats can be folded to create even more room, when the need arises. 

2) Citroen C3 Picasso

At £383.51** on average, to insure, the C3 Picasso is fourth on our list. A practical, small MPV, Citroen has designed a genuine car for the whole family – yet sized it on a supermini wheelbase. With the diesel capable of around 70mpg, it could help keep your fuel bills down as well as the cost of your insurance.

3) Skoda Yeti 

The Yeti, the small family SUV from Skoda, costs just £387.95**, on average, to insure. The Yeti was one of the first small SUVs on the market and provides all the practicality you’d want from a car of this type. Skoda, of course, has always been noted as providing value for money – it seems insuring one is similarly competitive.

4) BMW Z3 

The must-have sports car of 1995/96 (it made its debut in Bond movie GoldenEye), this classic two-seat convertible makes into our top three cheapest cars to insure, at an average of £374.40**. Stylish and well-built, you might want to consider a model with a 1.9-litre engine – they’re the cheapest and easiest to find.

5) Dacia Duster

The Dacia Duster is a surprisingly cheap car to buy, as well as to insure, for its size – £407.23**, on average. Dacia provides good but not fancy functionality, and keeps its cars as affordable as possible. Robust and reliable, the Duster has also won a number of awards since its launch in the UK back in 2013.

6) MG TF

Coming in at £411.74**, on average, to insure, the MG TF ranks as one of the UK’s most popular low-cost roadsters, thanks to low running costs and decent fuel economy. A development of the MGF (also on our list), it has a more upmarket feel to it but remains an affordable buy. 

7) Kia Venga 2

At number nine, it’s Kia’s mini MPV that costs, on average, £416.65** to insure. The roomy interior is well designed and it comes with a variety of engines. While the 1.4 petrol model is usually cheapest to buy and boasts a perky 89bhp, the diesel models offer vastly superior miles per gallon.

8) Mazda CX5

Given the CX5 is a large SUV, you might not have expected it to appear on our cheapest cars to insure list, but remember that those who drive the CX5 are likely to be older, with more years driving experience. At £419.61** to insure, on average, the spacious and economical CX5 could be a money-saving option.

9) Mini Clubman Cooper

A slightly longer version of the popular hatchback mini, with van-type split rear doors, the Mini Cooper Clubman makes into our top ten, with an average insurance price of £419.95**. An attention-grabber out on the road, its smooth ride, extra room and practical boot make it a popular choice.

10) MG MGF 

You might be surprised that this ‘proper British sports car’ shows on the list of cheapest cars to insure, at £420.20**, on average. And the MG MGF could well be within your budget to buy too – you should be able to find one in good condition for around £3,000. It’s a two-seater, so perhaps not ideal for ferrying the kids to school!

How can I compare car insurance quotes? 

One of the surest ways to ensure you get your car insurance as cheaply as possible is to compare quotes. Car insurance may have got more expensive generally but it’s also very competitive.

Comparing quotes is really simple to do too and, it won’t take more than a few minutes of your time. Give us a few details about you and the car concerned and we’ll show you your available quotes.

Try it today and see how much you could save on your car insurance with our car insurance comparison service.

**Our average premiums are from comparethemarket.com data from February 2017 to July 2017 and are based on all our customer car insurance quotes, from people with different age ranges, addresses and driving histories. You may find a cheaper or more expensive quote based on your personal circumstances.

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