Car ownership is an expensive business.
From the price of fuel, to insurance and making sure it’s serviced and passes its MOT every year - it all adds up.
In fact, the average UK motorist is spending £162 per month on running their car, or almost £2,000 per year, before they even take into account the cost of the vehicle itself, 2018 research from Kwik Fit revealed.
Here at Admiral, our Pricing Team has calculated the 10 cars which are, on average, cheapest to insure for drivers over the age of 25.
A lightweight, reliable sports car produced for the joy of driving, the Mk 1 Mazda MX-5 was inspired by the legendary Lotus Elan and launched in 1989. Now in its fourth generation, the world's most popular roadster and 2016 World Car of the Year winner is much sleeker these days, but still great value and hugely entertaining.
Stylish, well built and blessed with superb handling, there's also a distinctive RF (Retractable Fastback) variant which adds a little more comfort and coupe looks. Great value new, starting at under £20,000, it also makes sense as a good second-hand buy with decent Mk 3s going for as little as £3,000. There's no better introduction to the joys of open-top motoring.
Good looking, practical and competitively priced, the five-door Ford KA+ is something of a hidden gem. Launched in 2016, the well-packaged KA+ is only available with a 1.2-litre petrol engine (69bhp or 84bhp), but still manages to be an engaging car to drive and cheap to run.
It’s a foot longer than the KA (2009-16) it replaced, and slightly shorter than the Fiesta, but surprisingly spacious inside which is partly down to its high roofline. So, there's space for adults in the back, while the luggage capacity is a useful 270 litres. The only slight disappointment is that it only achieved a three-star Euro NCAP safety rating, at a time when most new small cars rate four or a maximum five stars.
Produced between 2009-17, the quirky yet highly practical Yeti has always been a hard car to categorise because it's as much a family hatchback as it is an SUV. Available in two or four-wheel drive, there's no shortage of space inside, front and back, and there's a generous 416 litres of boot space - 1,580 litres with the back seats folded.
The Yeti has a lot of serious fans – partly down to its looks, but also because it’s fun to drive, distinctive, well made and versatile. It's won numerous trophies, including Best Small SUV at the What Car? Used Car of the Year 2018 Awards.
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 68 years. The '90' reflects the 93-inch length of the wheelbase.
Highly collectable with decent examples starting at £10,000, arguably no other car offers the all-terrain capability and practicality of the Landy. Of course, the reality is that they are a throwback so they are big and unwieldy when compared to modern SUVs, and quite heavy to drive - especially in town. That said, the Defender 90 is an icon and, well looked after, it probably won't let you down and will only rise in value.
Developed alongside its close 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).
Deceptively spacious and available as a three or five-door, there's just room for two adults in the back. Boot space is a decent 251 litres, or 951 with the back seats down. 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.
Similar to its Volkswagen Group cousins, the VW Up! and Skoda Citigo, the competitively-priced Seat Mii is about as good as a city car gets. Available as a three or five-door, there's just one engine in the line-up - a lively 1.0-litre three-cylinder petrol (59bhp or 74bhp).
On sale since 2012 and roomier than it looks from the outside, it's engaging to drive with light steering and superb visibility. Great for nipping around town, it will also happily tackle a longer motorway cruise. Priced from just over £10,000, it's a great new car buy, while three-year-old second-hand examples with low mileage are available for less than half the price.
Not much longer than a Smart ForTwo and shorter than the original Mini, the funky iQ ((2009-14) was a triumph of packaging because the designers managed to squeeze in four seats.
With its compact dimensions, light steering and tight turning circle, it was easy to park and an inspired city car.
There’s a choice of two small petrol engines – a 1.0-litre and a 1.3-litre. The smaller unit is the best all-rounder for performance and economy, but the bigger one is best for longer drives incorporating motorways. The reality is that it's really a 3+1 inside because the front passenger seat sits slightly further forward than the driver’s seat, which allows an adult passenger to sit behind the front passenger and a child to squeeze in behind the driver. You also have to choose between rear passengers or luggage capacity because the boot is tiny. Low mileage late used iQs are available from £4,000.
Skoda's award-winning city car is fun to drive, well packaged and looks cute. Not unlike its not-so-distant relatives, the Volkswagen up! and SEAT Mii, you can buy a new Citigo for less than £10,000, though the pick the range (the frugal SE L 1.0 MPI 75PS GreenTech) will set you back a little more.
Two adults can travel in the rear seats and there's a decent 251 litres of space in the boot (959 litres with the back seats folded). The Citigo also makes a wise second-hand choice and there are plenty of low mileage examples in good condition available. Almost identical to its Volkswagen Group cousins, the Seat Mii and VW Up!, the Skoda Citigo is well packaged, fun to drive and generally one of the cheapest cars to insure. Launched in 2012 and updated slightly in 2017, the Citigo has won many awards including Best city car £9,500-£11,000 at the What Car? Car of the Year 2018 Awards.
The distinctive Roomster (2006-15) was another quirky vehicle from Skoda that makes a great family car because there's loads of space inside for both luggage and passengers, plus it's reliable and cheap to run. Technically an MPV (multi purpose vehicle), or people carrier, the Roomster was facelifted in 2010.
There's 480 litres of luggage capacity with all the seats up or 1,585 litres with the rear seats folded down. However, if you remove the back seats completely there's a van-like 1,810 litres available. There's a choice of petrol and diesel engines, but don't expect the performance to be anything other than leisurely. Above all, the Roomster is all about practicality and not being one of the herd.
The best-value SUV on sale in the UK starts at less than £10,000 new. If you want the four-wheel drive version you'll have to shell out around £2,000 more or go for a second-hand, low mileage example. You won't be disappointed - the Duster isn't plush, but it's rugged, roomy, looks good and pleasant to drive.
On sale in the UK since 2013, the Duster's various awards including Carbuyer's 2013 Car of the Year and 2018 Carbuyer Best Car for Winter. And the good news is that it's set to be an even better used buy because there's a second-generation car for 2018 which will dent the prices of older Dusters.
The insurance prices quoted are the average premiums for drivers aged 26+ and specifically from Admiral, so if you are looking for insurance make sure you get a quote with us before you buy.