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 ownership is 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 2020 – and there’s a real mix. 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. Mazda MX-5 – average annual price: £334.12

Mazda MX-5

First produced in 1989, the iconic MX-5 is now in its fourth generation and is still the world’s most popular roadster, winning World Car of the Year in 2016.

Stylish, well-built and boasting superb handling, you can either choose the convertible or distinctive RF (Retractable Fastback) variant which adds a little more comfort and coupe looks. 

It's cosy inside, but overall the MX-5 is remarkable value and surprisingly easy to run as a daily driver.

2. Fiat 500C – average annual price: £346.37

Fiat 500C

Like a small car with a retro look? Well it’s safe to say you’re not alone as Fiat’s fun convertible is as popular as ever.  

The main difference between the 500C and the Fiat 500 is the retractable cloth roof on the 500C. The fabric roof folds back electronically at the touch of a button and this little car is great fun – not to mention easy – to drive.

Costing from £15,420 new, the 500C is now available with a 1.0-litre mild hybrid engine for extra efficiency.

3. Volkswagen California – average annual price: £356.85

Volkswagen California


The Volkswagen California is a popular camper van, often associated with salty sea breezes, dramatic coastlines and surf culture (although it hasn’t actually been available in the US for some time). 

It’s clear why it’s popular as it’s easy to drive and the running costs aren’t bad either. There’s plenty of space in the accommodation to make sure you stay comfortable. 

As good as the California is, don’t expect to be overwhelmed with engine options. In the UK, this camper is available with a choice of two 2.0-litre diesel engines depending on the model you choose – a 148bhp entry-level engine and a 196bhp version.

The California is quite pricey to buy new, which may be off-putting for some, but the good news is there are some decent used options available if you do your research. 

4. Dacia Logan – average annual price: £357.63

Dacia Logan

The Dacia Logan may not look exciting but it offers a lot of car for your money and won the 2016 Auto Express Driver Power ‘Best Family Car' award.

It’s an estate that provides a decent amount of space for the driver and passengers, and the boot has a huge 573-litre capacity that expands to 1,518 litres when the rear seats are flat. 

The Logan is a no-frills car, and it doesn’t claim to be anything else. But if you’re looking for a comfortable, practical ride that doesn’t cost the earth to run, this could be the car for you.

5. Volkswagen up! – average annual price: £365.14


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 enough 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.

6. SEAT Mii - average annual price: £368.75


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.

7. Seat Arona – average annual price: £383.62


Based on the Seat Ibiza hatchback, the Arona is comparable to its close rivals, the Volkswagen T-Cross, Kia Stonic and Suzuki Vitara, and although it’s a little more costly, many options are available for under £20,000. 

Even the cheapest option has a 94bhp 1.0-litre turbocharged petrol engine, which is fine for most people driving round town. More power comes in the form of another 1.0-litre option, with 114bhp and a 148bhp 1.5-litre turbocharged petrol. Also available are two 1.6-litre diesel engines (94bhp or 114bhp). 

The ride is comfortable, and the handling and steering are great, making it a fun drive – but don’t expect a proper SUV driving position, as you’re not much higher above the road than a standard hatchback. 

The Arona also made it onto our list of the best new compact crossovers

8. Skoda Citigo – average annual price: £385.65


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. 

9. Skoda Yeti - average annual price: £370.36


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.

10. Land Rover 90 – average annual price: £368.07


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 length of the wheelbase. The 90 had three doors compared to its close relative the 110, which has five. 

Highly collectable, arguably no other car matches the Land Rover in all-terrain capability and practicality. The reality is they can feel big and unwieldy compared to modern SUVs, and can be quite heavy to drive, especially in town. 

That said, the Defender is an icon. Well looked after, it probably won't let you down and should increase in value.

5 Star Defaqto rated comprehensive cover from Admiral