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Insurance Car Uk No Deposit – Insurance can be a significant cost of car ownership – especially if you are a statistically at-risk new or young driver. How much you pay for car insurance depends on two main factors: your driving history and the value and performance of the car.
Your age, how long you’ve been licensed, and any criminal points or convictions insurers consider when calculating your premium determine whether an insurance company will offer you coverage.
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All cars are assigned to a car insurance group that ranges from 1 to 50, based largely on cost. Inexpensive cars in the low insurance group are cheaper to insure, expensive models in the 50th group are the most expensive. You shouldn’t judge a car based on insurance group alone, as many other factors can affect insurance rates, so it’s a good idea to get quotes for multiple models before signing the contract. And remember, a really great new car deal can save you more money than spending more on a car with cheap insurance.
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Below you will find a list of vehicles with the lowest insurance group. They’re not little buzzboxes either – some superminis and even some compact SUVs fall into that category. Click below to read individual reviews from our team of trusted experts, or scroll down to read more about these insurance groups.
The Volkswagen Polo is comfortable, stylish and its interior is full of soft, well-chosen materials that give it the feel of a big car. Every Polo has a touchscreen-based infotainment system. Polo models that qualify for low insurance are fitted with a 1.0-litre petrol engine, which is fine if you’re driving around town: but if you’re a regular on motorways or fast A-roads, you might be better off consuming . The extra cost and use of a larger engine favors this option.
The Hyundai i10 is a well-designed hatchback loaded with standard equipment, including air conditioning and power windows, even in the base SE model. A touchscreen infotainment system is also available on the i10’s relatively modest trim level. There’s plenty of room for (just) four adults in the cabin and the boot is big enough for the weekly supermarket shop. Its small size and easy controls mean the i10 is at home in the city and parking is a challenge. However, to keep up with fast traffic, the 67-horsepower engine has to work hard – so such models belong to the lowest insurance group.
The Volkswagen Up has been around for a while and can only be bought used or from dealer stock, but as a veteran sports star still at the top of his game, it’s a car that still has a lot to offer. . The interior is simple on the outside, but if you look closely you’ll see it’s full of standard equipment such as DAB radio, Bluetooth and air conditioning. Smart packaging – how space is used in the car – means there’s more room inside than you might think. Plus, of course, it’s a Volkswagen, so cabin quality is impressive for such an affordable car. However, the 60hp, Group 2 insurance-compliant engine needs plenty of revs to keep up with traffic.
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The Kia Picanto is a good choice for anyone looking for the perfect city car, thanks to its funky styling and high-quality equipment. Go for the base version and you get the mid-range vehicle with alloy wheels, Bluetooth and air conditioning. Step up to a higher trim level and your Picanto has an easy-to-use touchscreen infotainment system. The 1.0-litre engine is great for city driving, but it can feel strained at highway speeds and noise seeps into the cabin: there are 100bhp turbo versions, but they cost more to insure. All Kia models come with a seven-year warranty, giving owners peace of mind.
The Dacia Sandero is currently the cheapest new car you can buy, proving that cheap doesn’t necessarily mean ugly. There’s a decent amount of standard equipment on board, including Bluetooth and air conditioning, while a touchscreen infotainment system can be specified. Dacia has now dropped the entry-level Sandero Access, but the affordable Essential model remains in insurance group 4.
The Seat Ibiza is spacious enough for four adults, as well as a practical 355 liter trunk. The stylish exterior makes the Ibiza a desirable car and fun to drive. All models come standard with an infotainment system with a color touchscreen, alloy wheels and a leather-wrapped steering wheel. However, the 1.0-litre MPi only develops 80bhp, while the more modern 100bhp 1.0-litre turbo (known as the TSI) is more expensive to secure.
Spend any time in a Renault Clio and you’ll be reminded that it can be classified as a Group 3 for insurance purposes. The dashboard is smart and minimal, while the materials feel elegant and well put together. There’s enough room up front to be comfortable, but anyone tall who doesn’t want to sit in the back won’t be happy with the space on offer.
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The Skoda Fabia is a car that represents excellent value for money and offers a real alternative to the Volkswagen Polo. The Fabia’s equipment and engines are comparable to the Polo – built on the same foundation as the Volkswagen concern – but at a lower price. The interior is comfortable, though not as well made as the Polo and the ride is comfortable.
The base 1.0-litre Group 4 MPI engine feels a bit slow, so if you’re going to drive the Fabia on the motorway you’ll need to opt for the more modern and powerful TSI-powered variant. . Unfortunately. This puts the Fabia in a higher insurance category, but all versions are economical, so whichever you choose, you’ll save your wallet.
Although the Kia Rio was recently discontinued, it is still stylish, affordable and the interior feels like a more expensive car. Some models are left in dealer stock or you can buy a used model. There are many levels of equipment to choose from, all cars have Bluetooth and air conditioning A touchscreen infotainment system is standard on mid-range vehicles and above. As with many cars on this list, opt for the base engine, which in the Rio’s case is a 1.2-litre unit with 84bhp for cheap insurance.
Launching in 2022, the SUV-styled Toyota Aygo X replaces the regular Aygo supermini and comes with affordable insurance. Cars in Pure or Edge trim are in Group 6, while high-spec Exclusive trims can be found in Group 7. Easy handling and increased ground clearance make the Aygo X a great companion around town, while its tough looks add visual flair to the conventional. city car
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The Nissan Micra variant that was used in insurance group 1 is no longer part of the range, but the 92bhp 1.0-litre CVT Acenta automatic model is available in affordable insurance group 4 (if you go up to group 8). for a model with manual transmission). Either way, the Micra is stylish, comfortable and easy to drive, as well as economical and cheap to maintain. Only recently discontinued, nearly new models are easy to find and affordable.
It may not be the most stylish small car, but the MG3 offers plenty of interior space, is remarkably affordable to buy and run, and offers engaging handling. If you opt for the Explore or Excite models (there’s only one engine to choose from, the 1.5-litre petrol) and you’ll also be eligible for Group 7 insurance.
The Panda may not be as instant as the Fiat 500, but it’s still a distinct car that offers more practicality than its design-oriented relative. Life trim with a 70bhp 1.0-litre petrol engine should be cheaper thanks to a Group 7 insurance rating combined with the lower running costs that smaller Fiats offer owners.
The Seat Arona has a stylish interior advantage compared to many small SUVs, although it should be noted that some materials feel a bit cheap in places. An 8.25-inch infotainment system is standard, but you may want to upgrade from the base version to the 9.2-inch system. All trim levels come with a 1.0 TSI petrol engine, but the higher-spec FR and FR Sport variants also have the option of a 1.5 TSI engine.
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The Renault Captur looks a bit more stylish than some of its conventional rivals, with a decent infotainment system, sleek design and advanced materials inside. Basic evolution
