Owning a car can be expensive. From the price of fuel to buying car insurance, making sure it’s serviced and more, costs can easily add up.
That’s why our pricing team has calculated the 10 cars which, on average, were the cheapest to insure for drivers over the age of 25 between July 2023 and July 2024*.
1) Ford Puma – average annual premium: £538.63
The Ford Puma is a stylish, ‘baby SUV’ that’s great for driving through cities and along country lanes.
It comes with the option of four trims (basic Titanium, a sporty-looking ST-line and ST-line X, and the more luxe ST-Line Vignale), so you can customise it to your taste.
It also has a 1.0-litre petrol engine with mHEV technology, which means it has great acceleration and is surprisingly nimble.
2) Fiat 500 – average annual premium: £618.57
Since it was relaunched in the mid-2000s, the Fiat 500 has been one of the most stylish city cars around.
Although its boot is on the smaller side, the car’s reliability more than makes up for its lack of space.
The light handling also makes for a smooth experience when cruising through city streets, and comes in handy when it comes to slotting the 500 into small spaces.
3) Volkswagen T-Roc – average annual premium: £627.82
A big boot and lots of space in the back makes the T-Roc a great pick for anyone looking for their next family car.
While there aren’t currently any options for a hybrid or fully electric engine, there’s a choice of 1.0-litre, 1.5-litre, and 2.0-litre engine options to choose from, so you’re sure to find a model that suits your needs.
4) MINI Cooper – average annual premium: £662.57
Much like the Fiat 500, a mid-2000s revamp saw the MINI Cooper reclaim its place as one of the UK’s most popular small cars.
Sharp handling and its compact size make it a breeze to dart through city centres and around tight corners.
The boot is snug, but the raised floor design means sliding shopping bags or luggage in and out couldn’t be simpler.
5) Peugeot 2008 – average annual premium: £676.48
The Peugeot 2008 is a great all-rounder. While it’s essentially a hatchback with a slightly taller ride height, it handles well on all types of roads – whether you’re driving in the city, along a country lane, or on the motorway.
There’s also plenty of room for taller drivers and passengers, and lots of space for car seats in the back and for a buggy in the boot.
6) Hyundai Tucson – average annual premium: £676.96
As a mid-size SUV, the Hyundai Tucson is one of the larger, bulkier options on this list. But it’s also one of the most practical.
There’s plenty of boot space, which is great for families on the go, and the mild-hybrid engine offers increased efficiency over the Tucson’s petrol-powered, 1.6-litre alternative.
7) Hyundai i10 – average annual premium: £677.02
Similar to the MINI Cooper, the Hyundai i10 is a small car that thrives on both city streets and country roads. The handling makes the i10 a joy to drive, and Hyundai’s famed reliability is another plus.
There are probably more stylish small cars on the market. However, the i10 is an affordable and reliable car that’s great value for money. So it’s a great choice for any new driver.
8) Kia Sportage – average annual premium: £680.40
If you’re looking for an affordable first-time car with plenty of space, the Kia Sportage is a good place to start.
Its range of engines offer a smooth, comfortable driving experience for both quick trips to town and longer motorway drives.
And while the boot is on the smaller side compared to some of its competitors, there’s still more than enough space for bulky items like luggage or your weekly food shop.
9) Audi Q2 – average annual premium: £688.04
SUVs don’t come much more stylish than the Audi Q2. There’s plenty of substance with the style, too. It’s reliable, has lots of must-have safety features, and a higher ride height that offers great visibility.
And while there are faster alternatives available, the Q2’s handling is more than a match for any bump, dip or curve the road throws your way.
10) Vauxhall Mokka – average annual premium: £690.80
The Vauxhall Mokka is a stand-out option in any list it features in – and not just for its eye-catching design.
While it isn’t quite the off-roader it might appear to be at a glance, it’s a brilliant option for school runs, trips to town and driving on the motorway.
There’s a range of engine options too, as well as a fully electric version, so you’re sure to find an option that suits your preferences.
*Please note, all figures used are averages and are based on internal data where there’s a minimum of 50 cars on our system. They don’t consider other data relating to demographics and behaviours.
