Lifestyle Guides

The 10 cheapest cars to insure for over 25s

Find out which are the cheapest cars to insure if you're over the age of 25

car insurance collage

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.

So 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 January and March 2021.

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

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.

1) Mini - average annual premium: £180.26

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) Land Rover 90 - average annual premium: £254.97

Land Rover Defender 90

In 2016 the last Land Rover Defender left the assembly line at Solihull. If you count the Defender alongside its predecessors, the Series I, II and III Land Rovers, it was in continuous production for an astonishing 68 years. 

The ‘90’ reflected the length of the wheelbase (88 inches), compared to the bigger '110' (109 inches). Highly collectable, arguably no other vehicle matches the Land Rover in all-terrain capability and practicality. 

Big and unwieldly when compared to modern SUVs, they’re quite heavy to drive – especially in town – but they’re also truly iconic.

3) Jaguar XKR - average annual premium: £280.94

Jaguar XKR

Launched in 1996 to replace the Jaguar XJS, the XK8 was available in two body styles – a three-door hatchback coupe and two-door convertible – and it was the first model to use Jaguar's new 4.0-litre V8 engine. 

In 1998 the XK8 was joined by the more powerful XKR, which featured a supercharged version of the V8. Visual differences from the XK8 included a rear spoiler, mesh front grille and louvres on the bonnet for improved airflow to the engine. A second generation XK debuted in 2005 with a new XKR version following in 2007. 

In summary, the XKR is a good old British muscle car, but definitely one for older enthusiasts with deep pockets.

4) MG3 - average annual premium: £293.57

MG3

On sale in the UK since 2013, MG's distinctively styled five-door hatchback offers supermini space for city car money. 

With just one engine available (a 105bhp 1.5-litre petrol hooked up to a five-speed manual gearbox), the only choice was between trim levels and the amount of personalisation required. 

Despite its budget price, the MG3 is fun to drive and surprisingly spacious – just don't expect a hot hatch or a technology overload.

5) Ford KA+ - average annual premium: £294.00

Ford KA+

Based on the best-selling Ford Fiesta, the KA+ city car (2016-2020) originally went on sale at just £8,995, yet it offered five doors and supermini space. 

At first only a 1.2-litre petrol engine was available. It was joined two years later by a 1.5-litre diesel unit when the KA+ was also treated to an update. 

It may look on the dumpy side, but the KA+ benefited from some of the Fiesta's good points, so it's unexpectedly engaging to drive, even if the engines are so-so and the ride is on the soft side.

6) Volkswagen California - average annual premium: £296.35

Volkswagen California

For some, owning a camper van like the iconic Volkswagen California is all about re-living childhood holidays. For others, it's a way of forgetting about our day-to-day lives, enjoying the freedom of the road and the ability to 'glamp' at a moment's notice. 

Ranging from £55,000-£66,000 new, a California is not cheap, but perhaps it's best to think of it more as an investment that can be enjoyed, because due to heavy demand, depreciation is low. 

Second-hand examples are available, but don't expect any bargains.

7) Volkswagen up! - average annual premium: £299.18

Volkswagen up!

Launched in 2012 and still going strong, the up! city car is closely related to its not-so-distant relatives, the Seat Mii and Skoda Citigo. 

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 available with 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!.

8) Kia Stonic - average annual premium: £303.15

Kia Stonic

Good looking, generously equipped, well built and fun to drive, the Stonic was launched in 2017 and is marketed as a compact crossover. Based on the Rio supermini, it's 35mm wider, 70mm taller and has a raised ride height of 42mm. 

Blessed with good all-round visibility and an intuitively designed dashboard, it's available as a manual or automatic and packed with all the latest driver aids and safety tech. 

A new Stonic benefits from Kia’s generous seven-year warranty, so a used example may still have a few years' peace of mind remaining.

9) Fiat 500C - average annual premium: £303.94

Fiat 500C

If you hanker for a retro look and wind-in-your-hair motoring, then the 500C ticks all the right boxes. Its fabric roof folds back electronically at the touch of a button and can be operated at speeds of up to 37mph. 

Oozing character, it's cheap to run, has more room inside than you might think and it's sure to put a smile on your face when you're out on the open road.  

10) Seat Mii - average annual premium: £310.75

SEAT Mii

It may be a budget alternative to the almost identical Volkswagen up! (see above), but the Mii is just as practical and a joy to drive. It's especially good for city dwellers 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.

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.

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