Lifestyle Guides

The 10 cheapest cars to insure for over 25s

Image of an adult couple driving a car.

Car ownership can be an expensive business. From the price of fuel, to car insurance and making sure it’s serviced and passes its MOT every year – it all adds up.

With that in mind, our pricing team has calculated the 10 cars which were, on average, cheapest to insure for drivers over the age of 25 between May 2021 and May 2022*.

As you’ll see, there’s a real mix of vehicles, from classics to camper vans, and convertibles to city cars!

1) MINI Austin - average annual premium: £151.68

Mini Knightsbridge, 2000

Let's start with a classic. Launched in 1959, the iconic Alec Issigonis designed Mini set the template for small cars to come and a total of 5,387,862 were built before production finally ended in 2000. 

Boasting a surprising amount of interior space for such a compact car, it was economical, fun to drive and cheap. In short, the Mini was ideal for new drivers.

2) MG B - average annual premium: £168.99

The MG B is one of the most important cars in MG’s long history, and it was one of the best-selling cars in the world between 1962 and 1980.

The car may be old, but it’s timeless design will still turn heads, and when parts do break down, there are numerous replacements available.

The MG B’s open-top design caught everyone’s attention in the 1960s, and the powerful engine sealed the deal: a beefy 1.8-litre B-series.

Topped off with zippy, precise handling, and MG had the recipe for success.

It may be approaching classic car status now, but with insurance this cheap, there are other reasons why you may opt for MG’s vintage motor.

3) Land Rover 88 - average annual premium: £179.08

Image of a Land Rover

The Land Rover 88 is a mainstay on British farms: it’s cheap, reliable and has good towing power. It’s ideal for the day-to-day of farm work, but if you’re looking for a solid, reliable 4x4, this is it.

While the model isn’t known for its fuel efficiency, it isn’t exactly designed with long trips in mind; Land Rover set out to make a model that excels at off-road driving and farm life.

As expected, the model boasts excellent suspension, braking and torque, making it the go-to if you want an affordable, tough 4x4 for outdoorsy trips.

As you can see from the premium price, it’s probably the cheapest 4x4 you can insure.

4) MINI Rover - average annual premium: £197.32

Similar to the MINI Austin, the Rover has many of the same advantages as its older cousin, but there are a few notable differences.

Top speeds tend to differentiate the Rover from the Austin, as well as a slightly different chassis. The Rover achieves a top speed of 90mph, with a 0-60 time of 12.2 seconds.

Other benefits include its small frame, easy handling and fuss-free design. Parking is a easy with the MINI Rover – it makes parallel parking on city streets feel like a breeze.

Whether you prefer the Austin or Rover comes down to taste, but thankfully, you’ll be saving on insurance with both options.

5) TVR Chimaera - average annual premium: £224.56

As a classic supercar, the TVR Chimaera exudes an old-fashioned, understated air of confidence. It’s nice to look at, and while the price of admission may be high, it is offset by low insurance and a top speed of 150mph.

Like most supercars, you aren’t paying for an economical drive with the Chimaera – at most, it will achieve 25mpg, but the motivations for driving a car like this is focused on fun.

If you’re after a traditional supercar with a timeless design, then the TVR Chimaera could be for you. Thankfully, the low insurance costs can make the RRP easier to justify.

6) Nissan Figaro - average annual premium: £238.57

Image of a Nissan Figaro

Continuing the retro trend of this list is the Nissan Figaro, a model with a strong cult following thanks to its unique design, pastel colours and unique turbocharged 987cc Micra K10 engine.

The small frame makes it easy to park and handle, while its picturesque design helps attract attention.

With four pastel colour options - baby blue, mint green, topaz and lapis grey – drivers of the Figaro will stick out.

The car attracts attention for its nostalgic, almost cute design, and while its collector status can set the price high, at least the insurance is affordable.

7) Jaguar XK8 - average annual premium: £263.86

Image of a Jaguar car

The Jaguar XK8 is a true classic car. With a high price point and a unique drive feel, it’s a bucket list car for numerous people.

It’s easy to see why – it has a top speed of 155mph and a 0-60 time of 5.2 seconds. It’s a car made for people who like to go fast, with several trim choices on offer.

Inside, you get the whole sportscar package. Comfortable seats and high-quality interiors come as standard, and the quality is reflected in its premium price point.

Despite the running and repair costs being very high, the insurance premium is affordable, so at least you’ll be making savings somewhere.

8) MG MGF - average annual premium: £276.30

You get the best of all worlds with the MG MGF – it’s one of the last all-British sportscars, and the price point isn’t as prohibitive as other models in the same class.

The car achieves a 0-60mph time of just 8.9 seconds, with a top speed of 123mph. Complementing this is a decent fuel efficiency for a sports car at 38.3mpg.

The major USP for the MGF is its practicality; it feels like it was designed to be both a premium sportscar and an everyday motor.

Thanks to decent handling, good luggage space, a slick design and cheap insurance costs, the MGF could be the most economical sports car option.

9) Ford Escort - average annual premium: £281.96

Cheap, cheerful and easy to drive, the Ford Escort was an extremely popular in the 1990s. Thanks to its reliability and low running costs, it still features frequently on British roads.

A host of replacement parts has kept the Escort alive, despite its run-of-the-mill dashboard, interior and infotainment. It’s a budget car very much of its time, but the price point makes those aspects easier to accept.

If you want affordability, then the Ford Escort is it.

10) Smart Roadster - average annual premium: £284.90

The Smart Roadster’s engine doesn’t look great on paper. It’s just a 698cc turbocharged engine that produces 80bhp.

So, why do people call this car fast?

Well, the model weighs just 800kg, meaning the engine feels stronger than it is, resulting in a lightweight, zippy car.

It helps that the car’s light frame means it’s easy to handle, with good grip and precise cornering. You’ll get 55mpg in terms of fuel efficiency, meaning it’s economical, too.

The low insurance cost is a particular highlight, and it’s officially one of the cheapest cars to insure for drivers over 25.

*We’ve only included cars where we have 50 or more examples on cover, and the figures don’t take into account other data that could affect the price.

You can find up-to-date insurance pricing information on our Car Insurance Pricing Index, which we update monthly. 

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.

Great car insurance options for the whole family