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 October and December 2020

Mazda MX-5 - £286.09

Mazda MX-5

The perfect car for getting around town when the kids are at home, the Mazda MX-5 sits proudly at the top of our list. This rear wheel drive two seater prides itself on how fun it is to drive, which comes from the simplicity of its design combined with the recently increased power from the engines – which is available as a 1.5 or 2.0 litre model

Although it is a two seater, it still provides a decent amount of storage space on the interior, with plentiful leg room for both occupants and the boot can absolutely handle a bag for the both of you.

The basic model prices below £19,000 – which can increase quickly with bigger engine models or convertible models. Surprisingly for a roadster like this one, the MX-5 can achieve close to 50mpg with a slightly more conservative foot. The MX-5 promises to be an investment that is perfect for parents looking to recapture their love of driving.


Skoda Citigo - £316.81

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! - £318.19

Volkswagen 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 - £320.44

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.

Volkswagen California - £337.46

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.

Skoda Yeti - £340.67

Skoda yeti

The Skoda Yeti was one of the first family SUV style cars to come to the market way back in 2009. It’s undergone several iterations since its replacement by the Karoq in 2017 but never faltered in offering a spacious and reliable alternative to the classic family hatchback

Built with the family in mind, the Yeti offers plentiful amounts of interior space, and the movable rear seats allowing for extra leg room or extra boot space – which will swallow your holiday packing with room to spare

It’s surprisingly nice to drive too – a big car needs a big engine, and the Yeti gets a good grip on the road allowing for a pleasantly speedy pull away from traffic lights. As mentioned, Yetis are no longer in production anymore, but you can find newer models second hand for around £12,000 – and thanks to the Skoda build quality, they’ll last you a long time even if they are preloved.

MG MG3 - £348.65


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.

Dacia Duster - £352.03

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.


Skoda Kamiq - £352.85

Skoda kamiq

Despite being classed as a “small” SUV, the Kamiq is one of the largest that you’ll find in this class, and it’s packed with quality-feeling finishing touches that combine with the size to make the Kamiq feel like a much more expensive car than it is – a lovely feeling, especially when combined with the potentially lower insurance cost.

The base model Kamiq’s engine will escort you around well enough, with decent motorway speeds as long as you don’t mind some higher revs to get there. The real highlight of the drive is the comfort, which won’t have you rattling on the motorway or bouncing over potholes as you might expect of a vehicle in the class.

On top of the driving, the five star Euro NCAP rating is always something looked for in family vehicles and the Kamiq delivers there too. A real highlight of the small SUV genre


Ford KA+ - £359.23

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.