Lifestyle Guides

Top 10 cheapest family cars to insure

A growing family requires more spacious transport so, just which are the best family cars to choose?


We’ve worked with our pricing team to find out which cars are insured by customers with children, and from this we extracted the top 10 family cars with the cheapest car insurance costs.

Our list features a good mix of small, surprisingly spacious city cars and mid-size budget SUVs with more space in the back – a high priority for parents with children.

We’re featuring both new and used cars, many of which are bargains and can be bought for less than £10,000 brand new. The findings show the cheapest family cars to insure for Admiral policy holders aged 26+ with a child aged 16 or under between June and August 2020.


Skoda Citigo £298.35

Skoda Citigo

Skoda's acclaimed city car is well packaged, fun to drive, and good looking to boot. The basic model comes in just under £10,000, though this will increase as you move higher up the range (the frugal SE L 1.0 MPI 75PS GreenTech). The boot comes with a decent 251 litres of space (959 litres if you fold the seats down) and two adults can sit comfortably in the back.  

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.

The Citigo has won several awards since its launch in 2012, including Best city car £9,500-£11,000 at the What Car? Car of the Year 2018 Awards.


Volkswagen up! £303.31

VW Up!

Sitting comfortably in the same bracket as the Seat Mii and Skoda Citigo, the VW up! is one of the most entertaining small cars on the market.

The up! has a nippy little 1.0-litre engine (59bhp, 74bhp or swift 89bhp), a robust build and cheap running costs.

Available as a three or five-door, the deceptively large up! will seat two adults in the back – just. Boot space is a useful 251 litres, or 951 with the back seats down.

Named as World Car of the Year in 2012, the up! has enjoyed several awards since its 2011 run. Only updated in 2016, the Up!  has won many other awards over the years including the 2017 Auto Express City Car of the Year.


Dacia Logan £322.47

Dacia Logan

It’ll come as no surprise that the Dacia Logan was made with value in mind – this is an incredibly spacious estate car that’s cheaper than most city cars and is more than equipped for family life.

The value is a massive plus point of this vehicle, but seeing as the basic access model doesn’t even come with a radio, you may find yourself wanting to choose somewhere above the base model.

A range of engines is available for the Dacia, and while none offer more than 100bhp they all prove themselves more than capable. The compromise comes in the suspension – which provides only small comfort inside the vehicle and lots of lean in the corners.

Cheap to buy, economical to run and with excellent re-sale value, the Dacia is the perfect estate car on a budget.

Landrover 90 £322.96

Land Rover 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 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.


Kia XCeed £324.05


The XCeed is what it says on the tin – it’s an expanded version of the Kia Ceed hatchback. A longer chassis means it comes with more boot space than the Ceed, with a softer suspension easing the ride.

The basic engine kicks out 118bhp and is more than enough for the XCeed – it’ll pull away from lights with no trouble and eats up hills, even on a higher gear. Kia do offer bigger engine models too, an option for those who regularly take the motorway and value a little more oomph.

New models come with Kia’s seven year/100,000 mile warranty, which is one of the longest in the market. Kia rated higher in What Car?’s reliability survey than Ford, Skoda and Volkswagen, meaning the XCeed should be a car you can rely on.  


Volkswagen California £324.19

VW California

A camper van staple, the Volkswagen California is often pictured with sweeping coastlines, sea-side campfires and boarding on the beach (although it hasn’t been available in the US for some time). 

There’s plenty of space in the accommodation to make sure you stay comfortable on these big coast trips, with the low running costs and enjoyable driving clear reasons for its popularity.

In the UK, this camper only has a limited choice of engine sizes. There are two 2.0-litre diesel engines, a 148bhp entry-level engine and a 196bhp version, depending on what model of the camper you go for.

Thanks to its cult status the California can be pricey if bought new – but there are plenty of more affordable second hand options available online, meaning that dream road trip might not be too far away.


Ford Ka+ £328.40

Ford Ka+

The step up from the previous Ford KA, the five-door Ford KA+ is a hidden gem, with low running costs. It’s a pleasure to drive thanks to the standard 1.2 litre petrol engine.

It’s a step up in length from the previous KA making it a great choice for families – despite its small size, the roof is high, making it feel surprisingly spacious. Adults can sit comfortably in the rear without feeling cramped and the boot offers 270 litres – certainly enough for the family shop.

The one disappointment is that it was only awarded three stars in the Euro NCAP safety rating, compared to most other new small cars that achieved four or the maximum five stars.


Seat Arona £332.02

Seat Arona

The Arona brings a grown-up SUV attitude to the much loved Seat Ibiza, without losing any of the supermini’s trendiness. With plenty of practical interior space and equipment, if you like the SEAT Ibiza, you’ll love the Arona.

The Arona’s smooth shifting seven-speed transmission makes this vehicle a dream to drive, with two engine options offering a 1.0-litre petrol turbo or a 1.6-litre diesel.

The Arona was named Best Small SUV at the What Car? Car of the Year 2018 awards.


Dacia Duster £334.53

Dacia Duster

The award-winning Dacia Duster is a great option for families as it’s fantastic value for money. Not only that but it’s spacious, reducing the chances of squabbles between the kids, and it’s also rugged and sturdy. Despite a slight makeover in 2018, it’s not particularly luxurious inside, but that’s a plus point if you’re nervous of the kids making a mess.

Aside from that, it’s a decent SUV to drive and it’s available with either a 1.6-litre petrol or 1.5-litre diesel engine. The 4x4 version costs more, but it’s still one of the cheapest on the market.

The Duster’s many awards include the 2018 Carbuyer Best Car for Winter title, and it’s Good Housekeeping Reader Recommended too.


MG MG3 334.86


First released in 2013, MG’s step into the hatchback world was overhauled in late 2018, bringing with it an updated interior that feels high-tech, with an easy-to-use touchscreen that would feel right at home on a much more expensive model.

The standard (and only) 1.5-litre engine stands out on paper against similar sized vehicles, but as the engine isn’t turbocharged it may not provide the oomph you expect from the hatchback class.

The suspension on the MG3 provides for a responsive drive which keeps the passengers comfortable. Speaking of passengers, the MG3 comes with a surprising amount of space – there’s easily room for four adults, with a practical square boot too.