Learn How To Tell What Cars Are Cheap To Insure.

If you are thinking of buying a car but want to avoid sky-high insurance bills, there are some tips that can help you find which cars are cheap to insure. While every insurance company may calculate their prices differently, by following the advice below, you can understand where to start the search for your new ride. 

If your top priority is a car with the cheapest insurance bill, we can help. Each year, Autocar compiles a list of the new cars with the cheapest insurance rates and we have that list for you here. 

• Skoda Fabia 1.0 MPI SE 5dr

• Volkswagen Polo 1.0 EVO 80 Active

• Volkswagen Up 1.0 65PS 3dr

• Kia Picanto 1.0 2 5dr

• Renault Clio 1.0 SCe 65 Play 5dr

• Seat Ibiza 1.0 SE (EZ) 5dr

• Ford Fiesta 1.1 75 Trend 3dr

• Kia Rio 1.25 1 5dr

• Hyundai i10 1.0 MPi SE 5dr

• Fiat Panda Mild Hybrid City Cross 5dr

This list only covers the cheapest new cars so you may be able to find lower insurance costs if you are willing to look at used vehicles. Below we have put together a list of tips to help you find a great car without having to pay high insurance bills. 

Insurance Group

If you know exactly what car you want to buy, your first step should be to check the insurance group. There are 50 groups total and as a general rule, the lower the number group your car is in, the lower your insurance price. Many large insurance companies will have a tool that simply lets you type in the reg of the car to see which insurance group it falls under. 

If you do not have a specific car in mind you will not be able to look up the insurance group but you can still get an indication of the insurance price using the tips below.

Repair Costs

Insurers typically look at the price of repairing a vehicle as part of their research for deciding on insurance costs. Cars that are more expensive to repair will be more expensive to insure. This means that higher-end cars or cars with more expensive replacement parts will cost more in insurance. 

Car Value

When looking at what cars are cheap to insure, a great place to start is the value of the car when it was new. Insurance companies factor in this cost when calculating insurance prices. That is because a more expensive car will likely be more costly to repair or replace. 

Performance

Cars that accelerate harder and have higher top speeds are often some of the most expensive to insure. Insurance companies have deemed these vehicles higher risk for making expensive insurance claims. This has led them to charge more to offset the greater expense. 

Security

Cars that have built-in security features like alarms, immobilisers and good locks will be the cheaper to insure because they are harder to steal. Extra security features added after the car was built may or may not affect the insurance cost depending on the insurer.

Once you find a car that meets your needs and ticks as many of the above boxes as possible, there are still a few things you can do to lower your insurance cost even further. First, look at the costs to insure a slightly older or less powerful version of the car you want. For example, if you want to buy a new Volkswagen golf, look at the cost to insure a used golf that is just a few years old. Sometimes this can get you essentially the same car but with lower insurance, because the car is less valuable and cheaper to repair.

Once you know exactly which car you are going to purchase, use comparison sites to find the best deal for your insurance. They will give you quotes from lots of companies and you can see which insurance offers are the best for you. Then all you have to do is enjoy your new car.