Lifestyle Guides

Cheapest family cars to insure

A growing family requires more spacious transport, so which are the best cars for you and your children?


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

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

The findings show the cheapest family cars to insure for Admiral policy holders aged 26+ with a child aged 16 or under between January and March 2021.

MG3 - average annual premium: £256.46    


MG's bargain five-door hatchback offers a supermini for city car money. There's enough room for adults front and back, and it boasts a decent 320 litres of boot space (expanding to 1,262 litres with the rear seats folded). 

With just one engine available (a 105bhp 1.5-litre petrol mated to a five-speed manual gearbox), the big choice is between trim levels and the level of personalisation required. 

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

For extra peace of mind, all MG3s registered on or after 1 September 2019 come with a seven-year/80,000-mile warranty (whichever occurs soonest). 

Skoda Citigo - average annual premium: £281.52    

Skoda Citigo

This award-winning city car has been on sale since 2012 and is now a familiar sight on our roads. Almost identical to its Volkswagen Group cousins, the Seat Mii and VW Up!, the Skoda Citigo is cute, fun to drive and surprisingly spacious. 

There's a decent 251 litres of luggage capacity in the boot (959 litres if you fold the seats down) and there's even space for two adults to sit in the back. 

Now no longer available new, the Citigo makes a wise second-hand choice and there are plenty of low mileage examples in good condition. 

Mazda CX-3 - average annual premium: £295.79

Mazda CX-3

On sale between 2015-20, this baby SUV is another classy car from Mazda. 

Stylish, well built, practical and offering an engaging drive, it was available with a choice of petrol or diesel engines and there was even a 4x4 version. 

There's plenty of space for children in the back, while luggage capacity is a useful 350 litres (1,260 litres when the rear seats are folded flat). 

A sporty alternative to its main rivals, the Nissan Juke and Renault Captur.

Seat Arona - average annual premium: £296.77

Seat Arona

Funky, practical, easy to drive, economical and safe, the affordable Arona is another popular compact crossover

If a manual gearbox isn't for you, it's also available with a smooth-shifting seven-speed automatic transmission. 

We'd recommend it in FR trim combined with the lively 113bhp 1.0-litre (badged TSI) turbo petrol engine. If you prefer a frugal diesel, then there's a 1.6-litre on offer. 

There’s 400 litres of boot space available – 823 litres with the rear seats flipped. 

Volkswagen up! - average annual premium: £297.22

Volkswagen up!

Named World Car of the Year in 2012, the VW up! is still going strong. Jointly developed with the very similar Seat Mii and Skoda Citigo, the up! is the classiest of the trio and one of the most engaging city cars on the market to drive. 

With good build quality and low running costs, it's powered by an eager little 1.0-litre engine and is now an affordable second-hand buy. 

Available with three or five doors, there's more room inside than you might think. Boot space is 251 litres, or 951 with the back seats down. 

If you want to do your bit to save the planet, there's even an electric version – the e-up!.

Ford KA+ - average annual premium: £303.03

Ford KA+

The cheap and cheerful Ford KA+ (2016-20) is another great used car buy, offering five doors and supermini space for the price of a city car. 

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+ is unexpectedly engaging to drive, even if the engines are so-so. 

Adults can sit comfortably in the rear without feeling cramped and the boot offers 270 litres (849 litres with the rear seats folded) of luggage capacity.

Dacia Duster - average annual premium: £305.62    

Dacia Duster

Another bargain from Renault’s Romanian budget brand, the rugged Dacia Duster's looks may divide opinion, but this compact SUV's combination of durability and off-road ability has proved to be a winner. 

The latest model was launched in 2019, but the very similar looking Mk 1 (2013-19) still makes a great used choice.

Pleasant to drive if basically equipped, it's available with petrol or diesel engines – and there's also a 4x4 version. 

The current car's luggage capacity is an impressive 445 litres (1,623 litres with the rear seats flipped) and adults can sit comfortably in the back.

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.