Lifestyle Guides

The 10 cheapest cars for learner drivers to insure

Admiral's Pricing Team has calculated the 10 cheapest cars to insure for those with a provisional licence and aged 25 or under


Learning to drive for most young adults is probably one of the most exciting activities to undertake. Yet, we all know how expensive it can be!

You have to pay for lessons, the tests and everything that goes with owning a car too, including fuel, car insurance, servicing and road tax.

So let us help you find the best cars for learner drivers. Our pricing team has calculated the average premiums for the top 10 cheapest cars between July and September 2019 for policyholders aged 25 or under with a provisional licence, where we have 50+ cars on cover. 

There’s a real variety of cars on our list – they’re all small and cheap to run, many are great value and some are really funky. And if you’re after one of these brilliant cars, make sure you come to us first for your learner driver insurance quote.


1. Peugeot 107 – average annual premium: £433.77


Closely related to the first-generation Citroen C1 and Toyota Aygo, the little Peugeot 107 is a fun package. Built from 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 eager little three-cylinder 1.0-litre engine is capable of up to 62.7mpg. 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 life a little easier.

You can buy a decent low-mileage second-hand example for as little as £1,750. 

2. Hyundai i10 – average annual premium: £460.34


One of the best-value city cars on the market, the award-winning Hyundai i10 is another sensible choice – new and used.

Cheap to run, easy to drive and more spacious than it looks, it's blessed with an excellent five-year warranty. So, it also makes sense as a nearly-new buy because you’ll still have peace of mind for two years if you buy a three-year-old example, for instance. 

There's enough room in the back for all but the tallest adults. Boot space is a good 252 litres, or 1,046 litres with the rear seats down.

The current model (pictured) was launched in 2014, updated in 2017, and was named Best City Car in the What Car? Used Car Awards 2018.

Power comes from a choice of two petrol engines – a 65bhp 1.0-litre three-cylinder unit or an 86bhp 1.2-litre four-cylinder – and the smaller of the two is fine for urban use. 

3. Ford KA – average annual premium: £461.91


Ford’s little entry-level city car has been a favourite with young drivers since the quirky first-generation model (1996-2008), of which there are still plenty of good examples about at bargain prices (around £1,000).

The second-generation car (2008-2014) wasn't quite so distinctive, while the current model (known as the KA+) is a return to form. 

We'll concentrate on the Mk 2 (pictured) which is closely related to the Fiat 500. According to Auto Trader, it was one of the fastest-selling second-hand cars in 2017.

It’s a cute-looking car, with light steering and a lively 1.2-litre petrol, and it's economical and nippy around town. There's plenty of space up front, but like most city cars, it's a compromise in the back, while the boot is a decent 224 litres.

4. Citroen C1 – average annual premium: £474.82


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 is still a great used car buy today.

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

Available as a three or five-door, it can be bought new for less than £10,000, or there are plenty of good used examples available.

Some models feature a full-length retractable canvas roof which gives a great sense of space. It's cosy in the back, but you can squeeze in two passengers, while boot space is a handy 196 litres, rising to 780 litres with the back seats folded. 

5. Fiat 500 – average annual premium: £479.49


The iconic and funky Fiat 500 is just as much fun to drive as it looks, especially if you opt for the lively 0.9 TwinAir engine which is both economical and has low emissions.

On sale since 2007, the rebooted 500 has aged well. It's common to see early examples on the road looking almost as good as new, so they make a great second-hand choice. 

The Fiat 500 was treated to a minor facelift in 2016. Apart from new lights, the most important changes were upgrades to the safety and infotainment tech.

Despite its size, it's still possible to squeeze two adults in the rear seats if the driver and front passenger aren't too tall. Boot space is just 185 litres, expanding to 550 litres if you flip the back seats. 

6. Kia Picanto – average annual premium: £490.67


The Picanto is an award-winning city car from Kia. Whether it's the second-generation model (2011-17) or the latest Picanto (pictured), it's a great first car choice.

Priced from less than £10,000, the new Picanto is better than ever: sassy, well-equipped, refined and nippy.

And because all Kia cars come with an unbeatable seven-year warranty, buying a Picanto makes sense new or second-hand, where it may still have some cover left for peace of mind.

The Picanto was named Most Dependable City Car in the JD Power 2016 UK Vehicle Dependability Study and the newest model was crowned Best City Car at the 2018 What Car? Awards.

7. Volkswagen up! – average annual premium: £503.48


Closely related to its not-so-distant relatives, the Seat Mii and Skoda Citigo, the VW up! is 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) and with light steering and good visibility, it's especially nippy around town. 

Deceptively spacious, safe and available as a three or five-door, there's just room for two adults in the back and boot space is a useful 251 litres.

The up! was launched in 2011 and named World Car of the Year in 2012. Updated in 2016, it's won many other awards over the years including the 2017 Auto Express City Car of the Year.

8. Nissan Micra – average annual premium: £515.47


The Nissan Micra has been a popular small car choice since it first appeared in the 1980s. There have been a few versions since then, with varying levels of success, and the newer version is much sportier looking than the original. But it’s always been popular among learners and young drivers, as it’s fun to drive, responsive and easy to handle.

For a small car the boot is a decent size at 300 litres, and the back seats fold down in a 60/40 split, which is handy if you need to fit both passengers and luggage in. It’s a front wheel drive car with five doors and five seats – no exceptions.

It’s available in three petrol engines and one diesel – a 69bhp non-turbo, two 1.0-litre engines (one turbocharged 99bhp and the other 114 bhp), and a 90bhp 1.5-litre diesel.

9. Toyota Aygo – average annual premium: £515.63


Whether you choose the first generation (2005-2014) or the latest version (pictured), which was launched in 2014, the Toyota Aygo is one of the best and most distinctive city cars on the market.

Developed alongside the similar Citroen C1 and Peugeot 107/108, the Aygo is fun to drive and cheap to run. 

Featuring striking styling, it's well built and powered by a frugal, yet eager, 1.0-litre three-cylinder petrol engine. Like its French cousins, space is a little tight in the back and the boot (168 litres) is small, but it's good value for a sub-£10,000 car.

The Aygo received an update in 2018 to keep it competitive against strong, newer competition, such as the latest Kia Picanto. The Aygo is an important car for Toyota in the UK, accounting for a fifth of sales and it's the second-best seller in the range, behind the Yaris. 

10. Toyota Yaris – average annual premium: £573.94

When it comes to small cars, the Toyota Yaris has often been overlooked for more favoured options such as the Ford Fiesta and Volkswagen Polo. But the addition of a hybrid option, which is unusual in a car of this size, has made the Yaris more appealing – particularly for those who are concerned with running costs and emissions.

It’s cheap yet well-equipped, and the boot is a fair size at 286 litres. It’s available in two petrol engines – a 1.0-litre and a 1.5-litre – and a hybrid, which is the cheapest to run but most expensive to buy. It’s a solid option – not the most exciting car to drive, but perfectly up to the job.

Check out our related articles