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The 10 cheapest cars for young drivers to insure

Young drivers often bear the brunt of high motoring costs as age and inexperience are big factors in determining just how risky a driver is


Young drivers often bear the brunt of high motoring costs as age and inexperience are big factors in determining how much of a risk you are.

In order for us to help new drivers find an affordable way to get on the road, we regularly update our list of the cheapest cars to insure for drivers from the ages of 17-25.

Our Pricing team looks at our policy base to find the cars which were cheapest on average to insure over the previous few months (where there are 50 or more of each model insured with us).

Looking at data from January to March 2021 we see a few new additions to the top ten, say goodbye to others and see some in new positions:

  1. Seat Mii
  2. Volkswagen up!
  3. Skoda Citigo
  4. Citroen C1
  5. Ford Puma
  6. Ford KA+
  7. Vauxhall Viva
  8. Fiat 500
  9. Suzuki Alto
  10. Peugeot 107

So, let's take a look at this list in more detail and find out more about the cheapest car to insure as a young driver.

1. Seat Mii - average annual premium: £431.36  


It may be a budget alternative to the almost identical Volkswagen up! (see below), but the Mii is just as practical and a joy to drive. 

It's especially good for city motorists because it's easy to manoeuvre and it’s ideal for nipping in and out of traffic. 

On sale since 2012, it's now only available as an EV – the Mii Electric – which has a range of up to 160 miles.

2. Volkswagen up! - average annual premium: £433.92

Volkswagen up!

On sale since 2012 and still going strong, the up! city car was developed alongside the very similar Seat Mii (above) and Skoda Citigo (below). 

The classiest of the trio, the up! is one of the most engaging small cars on the market to drive. With good build quality and low running costs, it's powered by an eager little 1.0-litre engine, there's more space inside than you might think and it's an affordable second-hand buy. 

There's even an electric version – the e-up!.

3. Skoda Citigo - average annual premium: £442.67

Skoda Citigo

This award-winning city car is now a familiar sight on our roads. Just like its Volkswagen Group cousins, the Seat Mii and VW Up!, the Skoda Citigo is cute, fun to drive and surprisingly spacious. There's a decent 251 litres of luggage capacity in the boot (959 litres if you fold the rear seats down) and there's even space for two adults to sit in the back. 

Now no longer available new, the Citigo makes a wise second-hand choice and there are plenty of low mileage examples available in good condition. 

4. Citroen C1 - average annual premium: £449.69

Citroen C1

Whether it's the first-generation car (2005-14) or the latest model (pictured), the Citroen C1 has long been a popular choice with young drivers. 

If you're looking for a fun drive, low running costs and you like thrummy three-cylinder engines, it will be right up your street. 

There's plenty of choice and Mk 1s are available from less than £1,000. If you can stretch to at least £3,000, then the improved current model is even better.

5. Ford Puma - average annual premium: £462.49

Ford Puma

Considering it was only launched at the beginning of 2020, Ford's sporty Puma compact SUV is a star performer, going straight into the top 10 UK best-sellers list. 

Its athletic looks are refreshingly different, it's economical and entertaining to drive, well equipped and cleverly packaged. For instance, the boot’s lower load compartment (called the 'Megabox') not only provides an extra 80 litres of storage space, but it also features a waterproof lining and drain plug, making it easy to wash out (the ideal space for storing muddy wellies).

6. Ford KA+ - average annual premium: £464.72

Ford KA+

On sale in the UK from 2016-20, this five-door city car offers supermini space at a bargain price. Available either with a 1.2-litre petrol engine or 1.5-litre diesel unit, it's unexpectedly engaging to drive, though don't expect hot hatch performance and a sophisticated ride. 

There's room to carry adults in the back and the boot offers 270 litres (849 litres with the rear seats folded) of luggage capacity.

7. Vauxhall Viva - average annual premium: £466.72


Vauxhall's entry-level city car was only on sale from 2015-19, squaring up against the likes of the Hyundai i10, Kia Picanto and Volkswagen up!. Powered by a 1.0-litre three-cylinder petrol unit, it offered reasonable performance and economy. 

There's a little more space inside than you might think, while five doors aid access. Easy to drive in town (though there's no automatic gearbox option), it rides well and used Vivas with low mileage can be bought for less than £5,000. 

Finally, a Viva Rocks variant with SUV styling was launched in 2017. It's rare, but the pick of the range.

8. Fiat 500 - average annual premium: £467.28

Fiat 500

On sale since 2007, the funky Fiat 500 is as much fun to drive as it looks and early examples still look fresh today. 

Treated to a minor facelift in 2016, which included upgraded safety and infotainment tech, there's no shortage of 500s in the classifieds with high milers starting at less than £1,500. 

However, we'd recommend spending at least £2,500 on a later, low mileage example with a full service history. You can choose a diesel version, but the 1.2 petrol is the best all-rounder and the thrummy 0.9-litre TwinAir offers unexpected poke.

9. Suzuki Alto - average annual premium: £468.94

Suzuki Alto

Available between 2009 and 2015, the seventh-generation of Suzuki's popular city car was cheap and cheerful. 

Powered by a little 1.0-litre petrol engine, it's more about economy than performance, and while there's room for four adults, luggage space is limited. 

At only 3.5 metres in length and with a tight turning circle, it’s ideal for driving around town, but has to be worked quite hard to make rapid progress on faster roads. That said, it handles well for its size and there's good grip. 

Expect to pay around £3,500 for a cherished low miler.

10. Peugeot 107 - average annual premium: £474.58    

Peugeot 107

Developed alongside the first-generation Citroen C1 and Toyota Aygo, the little Peugeot 107 is a fun package. Built from 2005-14 (when it was replaced by the Peugeot 108), it's another sensible used city car choice. 

Cheap to insure and maintain, it's also nippy, available with three or five doors and powered by an enthusiastic little 67bhp 1.0-litre petrol engine. 

As you'd expect from a city car, space is tight inside, so if you do need to carry passengers in the back, opt for the five-door version to make access a little easier. 

Low mileage second-hand examples can be snapped up for as little as £2,500.

I'm an experienced journalist, digital editor and copywriter, now specialising in motoring. I’m editor of Automotive Blog and have worked across the media in newspapers, magazines, TV, teletext, radio and online for household names including the BBC, GMTV, ITV and MSN. I’ve produced digital content in the financial sector for Lloyds Bank, Nationwide and the Money Advice Service. I'm married with two children and live near Bath in Somerset.