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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


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 October to December 2019 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. Peugeot 107 - £581.26


Closely related to the first-generation Citroen C1, the little Peugeot 107 is a fun package. Built between 2005-14 (and now replaced by the Peugeot 108), it's another sensible used city car choice.

In 2015 it was revealed as the most dependable and cost-effective vehicle for students in Warranty Direct research based on rate of failure, average mileage, age and repair cost. Easy to drive, especially around town, its little three-cylinder 1.0-litre engine is capable of up to 62.7mpg. Expect to pay around £1,750 for a good low-mileage secondhand example.

2. VW Up! - £582.42


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.

3. Citroen C1 - £587.61


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.

4. Fiat 500 - £593.17


Oozing retro chic, the iconic and funky Fiat 500 is just as much fun to drive as it looks, especially if you opt for the lively and economical 0.9 TwinAir engine which is capable of up to 74.3mpg and has low CO2 emissions of just 90g/km.

On sale since 2007, the rebooted 500 has aged well and it's common to see early examples on the road looking almost as good as new, so they make a great secondhand choice for young drivers.

5. Suzuki Alto - £596.57


The very definition of cheap and cheerful, the Suzuki Alto is one of the most inexpensive superminis available to buy, with running costs to match. 

An ideal car for those on a tight budget, it has very good fuel economy along with cheap road tax – and it’s fifth in our list for insurance costs. 

There’s just one engine option, a three-cylinder 1.0-litre with 68bhp that’s designed for economy over speed. Consequently, it’s not the quickest off the mark, but it does manage around 65mpg. Perfect in an urban environment, the Alto can struggle a little on hilly roads and motorways.  

All in all, the Suzuki Alto is a solid option for anyone looking for a small car to drive around town that’s both cheap to buy and run.

6. Seat Mii - £598.92


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.

7. Vauxhall Adam - £601.82


Launched in 2013 and named after Adam Opel, the founder of Opel (Vauxhall's European sister company), the Vauxhall Adam is a rival to more style-focused small car rivals including the Fiat 500, DS3, Audi A1 and MINI. 

The funky Adam is big on personalisation (apparently there are thousands of trim options available) so it's unlikely that you will come across two exactly the same. It's also well equipped with a premium feel, so the Adam certainly looks the part. 

Go for the three-cylinder 1.0-litre turbo engine and it's nippy and economical too, but ultimately, it's more style over substance with average handling, cramped rear seats and just 170 litres of boot space. 

8. Ford KA - £602.46


Good looking, practical and competitively priced, the Ford KA – not to be confused with the newer KA+ – is an ideal city car. It handles well, and light steering makes it agile yet controlled through corners.

The boot is big for a small car, although the entry-level spec is lacking. Available with a 1.2-litre petrol engine or a diesel alternative on more expensive higher trim levels, it’s a fairly economical car – the petrol version apparently achieves 55.4mpg compared to the diesel’s 68.9mpg.

And of course being a Ford, the KA is generally pretty cheap to repair and service.

9. MG3 - £604.20


The MG3 hatchback is a distinctive looking five-door supermini – and you won’t have to pay much more than you would for a city car to get your hands on one.  

The only engine available is a 105bhp 1.5-litre petrol with a five-speed manual gearbox. While it’s not the liveliest car you’ll have driven, it’s still pretty fun. 

The MG3 offers a decent amount of space inside, with room for adults in the front and back. It also offers 320 litres of boot space.

If you’re buying new, you’ll be able to make the most of a wide range of options for personalising and customising your car – a rare occurrence in this price bracket. 

10. Skoda Citigo - £607.21


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.