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Lifestyle Guides

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-female-driver

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 2020 we see a few new additions to the list, say goodbye to others and see some in new positions.

So, take look at this list to find out what’s the cheapest car to insure as a young driver.

1. Seat Arona - £519.95

Seat Arona

If you like the SEAT Ibiza, you’ll love the Arona, a small SUV based on the much-praised supermini. The Arona is trendy yet practical, with plenty of space and equipment.

If you’re looking for an automatic crossover, the Arona and its seven-speed transmission might be just what you’re after. It shifts smoothly, making it easy to drive, and you can choose between two engines: a 1.0-litre petrol turbo and a 1.6-litre diesel.

The Arona was named Best Small SUV at the What Car? Car of the Year 2018 awards.

2. Suzuki Vitara - £537.51

Suzuki Vitara

Sharp looking, easy to drive and well equipped, the Suzuki Vitara is a very competitively priced crossover. It's even available with four-wheel drive (Suzuki calls it AllGrip) for less than £20,000 if you want that extra peace of mind when the weather gets extreme. 

There's a choice of two petrol engines – a 1.6-litre or 1.4-litre 'Boosterjet' turbo. We'd opt for the latter, which is lively and economical (it also powers the Suzuki Swift Sport hot hatch). 

The Vitara's infotainment system isn't cutting edge and it hasn't got the plushest of interiors, but it's a good value for money choice and Suzuki has a great reputation for dependability.

3. Renault Kadjar - £563.75

The Renault Kadjar is a stylish, spacious crossover, which shares a lot in common with the Nissan Qashqai, the main difference being that it costs a lot less to buy. 

The range is made of two petrols (a turbocharged 1.2-litre and a 1.6-litre) and two diesels (a 1.5 dCi or a 1.6 dCi). This last one is the only engine option available for four-wheel drive.

There’s lots of space on the inside, the boot is big and a decent amount of equipment is included as standard. It’s a practical, dependable option and running costs are low – an all-important factor for any driver but especially those who have recently passed their test. 

4. Skoda Citigo - £567.32

skoda-citigo

The Citigo, launched in 2012 and almost identical to its cousins the Seat Mii and VW Up!, is a popular city car that looks cute and is fun to drive. 

It had a slight update in 2017 and has won many awards of the years, including ‘Best City Car £9,500-£11,000’ at the What Car? Car of the Year 2018 Awards.

Available with three or five doors, it has a 1.0-litre three-cylinder engine with either 59bhp or 74bhp. If you’re mainly out and about around a town or city, you should find the smaller option just fine. 

It’s a well-made car and the Skoda brand in general has a good reputation for making reliable cars – worth bearing in mind if you’re worried about your first car letting you down. 

5. VW Up! - £574.78

volkswagen-up!

As mentioned above, the VW Up! is closely related to the Seat Mii and Skoda Citigo, and it’s one of the most entertaining small cars on the market. Add excellent build quality, plus low running costs, and this little cutie is sure to put a smile on your face.

The Up! is available with a punchy little 1.0-litre engine (59bhp, 74bhp or swift 89bhp). There's even an electric version – the e-Up! – which has a range of up to 99 miles on a single charge, but it's pricey at £21,140 new.

6. Kia Sportage - £575.81

Kia Sportage

Kia's top-selling model in Europe is also one of the most engaging SUVs to drive. Treated to a subtle makeover in 2018, it's now packed with the latest infotainment and safety systems, and a new hybrid version is also available. 

Competitively priced, spacious, practical, good looking and well equipped, the Kia Sportage is simply one of the best SUVs on the market. Oh, and we haven't even mentioned the Sportage's seven-year warranty, which means you should be able to snap up a used example with a few years’ warranty remaining.

7. Dacia Duster - £575.88

Dacia Duster

The remarkable Duster from Renault's budget brand, Dacia, is incredible value for money. It may be more durable than lavish inside, but it’s spacious, blessed with rugged good looks and is a decent drive. 

It was available with a 1.6-litre petrol engine or 1.5-litre diesel unit. As with any car when you’re buying used, look for low mileage with a full service history, and have it fully inspected for rust.

The Duster’s many awards include the 2018 Carbuyer Best Car for Winter title and it also features in our guide 10 bargain 4x4s for less than £7,500.

8. Peugeot 2008 - £583.20

Peugeot 2008

Originally launched in 2013, the Peugeot 2008 was refreshed in 2016 and is marketed as an SUV. It makes for a stylish and well-packaged option in the increasingly competitive compact crossover class, counting the Renault Captur and Nissan Juke among its rivals. 

The 2008 has a great selection of petrol and diesel engines. The 1.5-litre BlueHDi (diesel) returns up to 70.6mpg with CO2 emissions around 98g/km, while the brisk 1.2-litre PureTech 110 is our pick of the petrols (58.9mpg/110g/km). 

One thing to bear in mind is the 2008 isn’t best in class when it comes to rear space for passengers, something that’s worth considering if you regularly carry other people.

9. Seat Mii - £583.86

Seat-Mii

The Seat Mii is a sporty city car that’s almost identical to the VW Up! and Skoda Citigo. For a small car it’s a smooth, comfortable ride and handles very well. The light steering and effortless drive make it easy to navigate tight parking spaces.

There’s a choice of two 1.0-litre three-cylinder petrol engines – one with 59bhp and the other with 74bhp. If you’re nipping around town, the 59bhp version should be fine, but if you regularly take longer trips you might want to opt for the higher-powered version. Bear in mind that could affect your car insurance price – but otherwise running costs for the Mii are low.

10. Citroen C1 - £586.64

citroen-c1

The Citroen C1 has always been a popular choice for young drivers, whether it's the first-generation car (2005-14) or the current model (pictured). In fact, the original C1 was named the most reliable new car of 2014 in a Which? Car survey and is still a great used car buy today.

The new C1 isn't just a cheeky face, it's a small car that’s cheap to run and competitively priced, so if you want a fun drive and you like thrummy three-cylinder engines, it might be just what you're looking for.