The cheapest new cars to insure 2025

Annual insurance premium: £237.94
List price: £19,410

The Skoda Fabia isn't just one of the best small hatchbacks on sale today; it's also one of the cheapest to insure.

The old Fabia was already one of the roomiest superminis and the new one successfully defends that title

Illya Verpraet, Road Tester

It comes in at less expensive than the mechanically similar Volkswagen Polo and Seat Ibiza, if only just.

It's the best-riding of the three and its refinement even puts some luxury cars to shame. 

Annual insurance premium £240.84
List price £19,795

The Ibiza remains a great choice six years after it was first introduced, thanks to its well-finished interior, responsive turbocharged engine and balanced chassis.

On top of its stiffer, cleverer platform, Seat has constructed a brilliantly modern compact car

Illya Verpraet, Road Tester

Annual insurance premium £240.36
List price £13,250

Starting from just £14,200, the Dacia Sandero is one of the cheapest cars on sale. It's also one of the cheapest to insure and overall represents great value, with most of the equipment you'd ever want in a car, a comfortable ride and reasonable practicality for its size. 

The Sandero used to appeal simply because it cost little; now it’s likeable simply because it’s a really good car

Matt Prior, Editor-at-large

Annual insurance premium £247.44
List price £21,210

If you want big-car refinement and comfort in a more affordable package, the Polo is a great choice. The 1.0-litre MPI petrol engine featured here lacks a turbo, so it can feel a little underpowered at times, but it does at least bring a big saving on insurance costs compared with the boosted TSI units.

Competent in almost every direction, the Volkswagen Polo’s dependability seems to be at the expense of any charm.

Jonathan Bryce, Social Media Executive

Annual insurance premium £248.24
List price £24,895

Volkswagen’s small crossover is one of the larger cars on this list, but it’s remarkably cheap to insure thanks to its tiny 1.0-litre petrol engine selection. It’s a stylish model too, with decent entry-level specification, although the Polo will probably handle your commute just as easily.

If you’ve already decided you want a compact crossover and you like a car of substance and maturity, you should absolutely consider the T-Cross

Matt Saunders, Road test editor

Annual insurance premium £259.91
List price £16,380

The cheapest car to insure in the UK, according to our research, is the Hyundai i10. 

The i10's steering wheel features an array of buttons, toggles and switches - almost too many.

Jonathan Bryce, Social Media Executive

This is one of the best new city cars you can buy, thanks to assured handling and a roomy interior with more technology than many rivals have.

You will have to opt for the underwhelming 66bhp three-pot engine to keep insurance costs down, though.

Annual insurance premium £250.35
List price £18,945

The Picanto's recent facelift addresses its key weaknesses: interior quality and technology. It's comfortable and surprisingly good fun on the road, with agility that's seldom found in cars so cheap.

The 255-litre boot is usefully deep, but the Aygo X and Dacia Sandero have longer seats-down load bays.

Matt Prior, Editor-at-large

Annual insurance premium £260.56
List price £20,265

The second Kia on this list, the Stonic is equally good value when seeking an insurance quote. First launched in 2017, the compact SUV is starting to feel its age - but it's still a decent option for couples or small families. 

The boot is a good size at 352 litres and has a handy split-level ‘boot board’-type false floor.

Matt Saunders, Road test editor

Annual insurance premium £282.61
List price £20,880

Hyundai's small hatchback comes in slightly more expensive to buy than the smaller i10 but obviously has much more practical benefit to it. It's a spacious car for its class, with a 352-litre boot and a roomy cabin. It's let down by some uninspiring engines, but can you argue with that insurance cost?

Its driving experience is nicely rounded if not quite viceless. Some rivals manage to balance comfort and sportiness a little bette

Matt Saunders, Road test editor