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1 litre cars cheap insurance for young drivers

Key points

  • Young drivers pay more because of inexperience, reputation and risk
  • Driving without insurance is illegal and you risk having your licence revoked
  • Follow our tips for help in getting the right cover and keeping the price affordable

As a young driver, getting car insurance at the right price and with the right level of cover can be frustrating.

Not all insurers will quote for you, and when they do the prices they offer can be really high.

But it's vital to arrange the right policy - in 2012, DVLA figures revealed that 10,797 drivers with fewer than two years' experience lost their licences and more than half of those cases were because they were driving without insurance.

With this in mind, we've put together some information to try to help you find a better deal.

"There are ways to try to reduce the cost as you build up a safe driver record and no-claims discount," said Gocompare.com's Lee Griffin.

Why young drivers pay more for car insurance

There are three main reasons why young drivers have to pay a lot for their car insurance - inexperience, reputation and risk.Quick quote car insurance uk calculator

Inexperience

Driving experience is a crucial factor - the more time you spend on the road the better your driving is likely to be.

Drivers with more experience have a proven track record so long as they stay conviction and claim free and, as a result, they get a discount on the price of their car insurance (called a no claims bonus).

Reputation

Young drivers have a reputation for causing more accidents than any other age group and statistics from the Association of British Insurers prove that this is true.

Need more information?

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The data reveals that the UK's 18-year-olds alone cause 50 collisions a day - three times more than drivers in their 50s.

Indeed, male drivers under the age of 21 are 10 times more likely to be involved in a motoring accident than drivers over the age of 30.[1]

This means insurance companies pay out more in claims for young drivers and so charge more for insurance cover.

Risk

Car insurance premiums are based on risk (how likely it is that an insurer will have to pay out on a claim).Detagged car insurance

Insurers will look at your quote details (eg your claims history, the cost or type of the car you drive, where you live, your driving experience) and then decide what to charge.

Young drivers have more accidents and experience more car security issues, such as theft and vandalism, as crime rates are higher amongst young people.

They are, therefore, seen as a greater risk, and this is reflected in the high price of premiums.

How young drivers can reduce their car insurance premiums

While higher prices are the norm for younger drivers, there are some things you can do to lower your insurance costs. Read our top tips for cutting the cost of car insurance, but young drivers may want to focus on the following:

Did you know...?

  • Adding an experienced driver to your policy could reduce your premium...
  • ... but if you're not honest about who the main driver is you're committing a fraud known as fronting

Choose a small car

Get a car with a small engine - for example a 1.1 litre rather than a 1.6 litre - which is in a low car insurance group.

You'll also pay less road tax if your car has a small engine capacity.

Avoid modifications

Modifications (upgrades to styling, audio or performance) may look good, but for the younger driver they mean a big increase in the price of car insurance.

Alloy wheels, body kits and performance upgrades make vehicles more attractive to car thieves. Modified cars also tend to be more expensive to fix than ordinary cars.

Named drivers

Adding another driver with a clean licence and several years' claim-free driving to your policy could reduce your premium.

Just make sure you get consent from the person(s) who you'd like to add so that they know to declare that they have access to another car when getting their own insurance.Asda car insurance proof of no claims

Also, if you're the main driver make sure you're noted as such on the policy.

If you say the other person is the main driver because they have a better driving history you're committing a fraud known as fronting and you could invalidate your insurance.

Limit your mileage

If you only drive at set times of the year (perhaps during term time) then let your insurance company know.

To lower the risk of having an accident, avoid driving in rush hour and limit your annual mileage.

Consider a telematics policy

A telematics car insurance policy works by using a black box or a mobile phone app to monitor your driving and then using the data gathered as the basis for setting your insurance premium.

Such policies are available for drivers of all ages, but are thought to be especially beneficial for safe, young drivers who are struggling to find competitive quotes.

The feedback you receive has also been seen as a valuable form of education to help improve your driving.

The easiest way to reduce your car insurance costs is to improve your reputation and driving record by staying conviction free, avoiding speeding and building up a no-claims discount

Agree a curfew

Some insurance companies may reduce your premium if you agree to limit your driving to certain hours of the day.

Improve security

Consider improving your vehicle's security. Fit an alarm or immobiliser and - if you have alloy wheels - invest in locking wheel nuts.

Park with care

If you can, park your car in a safe spot overnight. Parking off the road can lower the chance of your car being vandalised or stolen. Read more in our article on overnight parking and car insurance.

Increase your voluntary excess

Choosing a higher voluntary excess when you take out your policy will reduce the price of your insurance.

Remember, though, if you make a claim you may have to pay that excess before the garage will give you your car back.Halifax car insurance review

Get a Pass Plus certificate

Pass Plus is a training scheme for new drivers. Bear in mind that you'll need to pay for the course and you may not recoup the costs, but your driving should improve.

Read our article on advanced driving courses for more information on Pass Plus and other courses that may prove beneficial.

Other ways to cut costs

The easiest way to reduce your car insurance costs is to improve your reputation and driving record by staying conviction free, avoiding speeding and building up a no-claims discount. Other things you can do are:

Pay annually

Pay for your insurance when you take out the policy rather than by monthly instalments in order to avoid interest charges.

Consider your cover

If you have a car that's not worth much, consider third party fire and theft rather than comprehensive cover (the car may only be worth a bit more than the excess on your policy).

Pay close attention to the options, though - third party products generally offer much lower levels of cover and are not necessarily cheaper.

Our top tip for cheaper insurance

  • You won't be surprised to hear this... Shop around and review prices using a comparison site such as Gocompare.com!

Only pay for what you need

Make sure you're not paying for policy benefits you don't really require. For example, legal assistance or courtesy car cover may not be essential to you.

Shop around

There will be a vast difference between the lowest and highest quotes from different insurers.

Choose the cover you need and compare lots of premiums using an established comparison site such as Gocompare.com.

Some insurers will be more competitive than others for different drivers, vehicles and regions so there's no such thing as a 'best buy' car insurance policy for every driver.

By Sean Davies

 

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Considering buying a car, but want to keep your car insurance costs to a minimum? Find out which cars are the cheapest to insure...

The type of car you choose to buy can have a big impact on the price of your car insurance quote.

That’s because insurers typically classify different makes and models of cars into groups, numbered from one to 50. The higher up the scale your potential new/used car falls into, the higher the premium will be and vice versa. For more read: How car insurance groups work.

Another big factor determining the price of car insurance is your age.

Statistically young drivers are the most expensive to insure. Those aged 17-22 paid a whopping £3,104.55 on average for their car insurance in the first quarter of 2013 according to the latest figures from The AA British Insurance Premium Index.

So with the help of Quote Exchange (which powers the Lovemoney car insurance engine), we have found the cheapest cars to insure for someone aged under 25.

Top ten cheapest cars to insure

Here are the top ten common makes and models that on average produced the cheapest car insurance quotes for young drivers over the past 12 months.

Make

Model

Average insurance premium for young driver

Vauxhall

Corsa SXi 16v

£255

Renault

Clio

£257

Austin

Mini Mayfair

£285

Ford

Ka

£287

MG

B

£299

Fiat

Punto Active Sport 8v

£300

Peugeot

106 Independence

£306

Ford

Ka2

£324

Mercedes-Benz

A 140 Classic

£330

Vauxhall

Astra LS 16v

£333

Source: Quote Exchange

Best for young drivers

The Vauxhall Corsa SXi 16v was the cheapest car to insure for someone aged under 25 over the last year with an average premium coming to just £255.

The Corsa is a neat little hatchback that was brought into production in 1993 and is still being made today.

The three-door 1.2 litre model with a sporty trim produced the cheapest average quotes for young drivers over the last year and you can find one used for under £1,000.

However, if you’re looking for more room the five-door 1.4 litre version of the Vauxhall Astra LS 16v was also affordable to insure and cost on average £333, although it represents the most expensive quote out of our top ten.

French motors

The Renault Clio was the second most affordable car to insure for the under 25s over the past year with a premium of around £257 for this age group.

But it wasn't the only French manufacturer to make the list. Peugeot with its 106 also made the top ten with an insurance premium of just over £300.

Both hit the market in the early 90s but only the Renault Clio is still in production; the Peugeot 106 was replaced by the 107 in 2005.

The Peugeot 106 Independence was a special edition model sold in the UK and included some variants such as ‘Kid’ which came with denim effect fabric.

Both are readily available used and cost from around £800.

Trusty Ford

Unsurprisingly Ford features prominently in the top ten cheapest cars to insure.

But it’s not the Ford Fiesta that has offered low cost premiums to younger motorists over the past year. Instead the baby of the Ford family, the Ka, has made its mark as one of the cheapest models to insure.

First unveiled in 1996 the Ka caused a bit of a stir with its curvaceous, quirky design and odd name. The semi-official line is that ‘Ka’ should be pronounced ‘kaah’ but most pronounce it ‘kay-ay’.

Regardless of the name, the Ka is the perfect little run-around that is fun to drive. Many compare driving the nimble motor to operating a go-kart.

In the UK the Ford Ka is the most basic model while a Ka2 gives you better specifications.

The first generation of the Ford Ka is available as a three-door hatchback with a 1.3 litre petrol engine. The second generation made from 2009 onwards offers a diesel option which are also cheap to insure. The Ford Ka Zetec TDCI for example only cost around £342 to insure last year for younger motorists.

As well as being affordable to insure the Ka can be quite cheap to buy. A used Ka can be found for under £1,000 online. I saw one as cheap as £595!

Stylish number

If you want to stand out from the crowd with a stylish number you can insure on the cheap, the MG B might be just the ticket.

The MG B has a very distinctive, classic sports car style and was introduced in 1962, though production ended in 1980.

It is available with a beefy 1.8 litre engine and those under 25 were able to insure one for £299 on average last year.

Insurers generally think that if you have an older car you are more likely to drive it safely and keep it off the road in a garage, out of harm’s way.

Be warned though, insurers will also generally expect you to do a lower mileage in a car that is considered a classic. That means if you need your motor for commuting as well as social use you may be better off with a newer model, less than 15 years old.

If you are able to find this classic car, getting insured should be affordable at £299, but the cost of the car might dwarf this bargain quote. I saw one classified ad asking for £10,000, but older models can fetch around £3,000.

Driving down the cost of insurance

Your age, occupation, claims history and type of car are taken into consideration when insurers calculate premiums. Since you can’t change your age or adjust your occupation, picking the right car is something you can do to drive down the cost of car insurance.

When picking a car check out what grouping the vehicle is in to get a rough idea of how cheap or expensive your insurance might be. You can do this online with Thatcham, which administers the Association of British Insurers Group Rating System. And don’t forget to shop around for the best quotes.

If you think you have made enough sacrifices on the make and model of your car, telematics technology may help lower your premiums if you are a young driver.

The system is available from quite a few insurers now and works by monitoring driving habits through a little black box attached to your car and a GPS signal. This system rewards good drivers and punishes bad ones. Read How a black box can cut the cost of your car insurance and Car insurance: putting telematics to the test for more.

And be sure to take a look at 25 ways to cut your car insurance.

Compare car insurance quotes with Lovemoney

This is a classic Lovemoney article that has been updated

More on motoring

The cheapest cars to run

Britain's most unreliable cars

Essential car insurance features

How to cut the cost of your MOT

Official: the worst (and best) cars to own

The cars most likely to be vandalised or stolen

The best car insurance incentives and freebies

Multi v single car insurance – what’s cheapest?

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Your car plays a big part in getting cheap car insurance. Read on to understand more about the different car insurance groups and the cheapest cars to buy and insure in 2017.

There are a number of ways to bring down the cost of your car insurance, and choosing a car in the right car insurance group is high up on the list. This guide will help you understand what factors are considered, check your car’s insurance group and outline our top 10 cheap cars to insure.

In this guide:

Car insurance group checker
How do car insurance groups work?
Cheapest cars to insure
Compare car insurance quotes

What insurance group is my car?

While common sense tells us it costs less to insure a Fiesta than a Ferrari, car insurance groups can be a difficult thing to wrap your head around. Use our car insurance group checker to find out which insurance group any car is in.

Find a car's insurance group

Cars are allocated a group from 1–50, with 1 typically being the cheapest to insure and 50 typically being the highest. The group ratings are based on a number of factors, including the car's value, repair costs and performance.

Compare insurance quotes Retrieve your quotes

Car insurance groups – how the different insurance groups work

Every car on the market belongs to one of 50 car insurance groups set by the Group Rating Panel (members of the Association of British Insurers and the Lloyds Market Association). Insurers can also use their own grouping system if they want.

Typically, the lower a car’s insurance group number (1-50) the cheaper it will be to insure – for example, group 1 insurance cars are far more likely to be the cheapest cars to insure.

What factors are considered?

When the panel decides on how to assign cars to the different car insurance groups they consider the following:

Repair costs
The cost of vehicle repairs accounts for a huge chunk of the money paid out in car insurance claims. Logically then, the cost to repair the vehicle is considered before being assigned to a car insurance group.

The time it would take to repair the car is also considered as this would lead to higher repair costs.

Cost of the parts
The cost of 23 of the most common car parts are also considered. The lower the cost of the parts, the lower the car insurance group will be. To get the best car insurance quotes the cost of the parts will need to be relatively low.

The value of the car
The value of the car as new is used as an indication of how much the car will cost the insurer to repair or replace.

Performance of the car
The statistics clearly show that high performance cars that can reach great speeds are the most likely to make insurance claims. Consider the acceleration and top speeds of a car if cheap car insurance is a priority. Read our guide on insuring high performance cars to learn more.

Car security
The cheapest cars to insure will often be ones that have built in security features by the manufacturer such as alarms, high security locks, or immobilisers which prevent the car from being hot wired.

The security rating of a car is denoted by letters ranging from E, A, P, D down to U. The E category stands for ‘exceeds’ and the U is for ‘unacceptable’. Cars in the lower and cheaper car insurance groups will likely have an E or A security rating.

What are the cheapest cars to insure in 2017?

Scroll down to see ten of the cheapest cars to insure that you can buy in 2017, with models in the lowest car insurance groups.

  1. Toyota Yaris Cheap to buy and with an impressive safety rating, the Toyota Yaris could be the cheapest car to insure in 2017 depending on your driving history and other factors. Furthermore, the Yaris makes for an attractive city car thanks to its compact size. The car is also in a hybrid model, so it’s eco-friendly as well as economical.
  2. Kia Rio The Kia Rio is one of the cheap cars to insure for small families, with its 5-door Air model in car insurance group 1 and several other models in groups 2 and 3. The Rio has received praise for its ample boot space and low CO2 emissions.
  3. Renault Twingo The third generation Twingo is a modern take on Renault’s popular city car. The new model may look like a complete upgrade, but it stays true to the Twingo’s innovative design with its fold-flat seats creating extra space.
  4. Vauxhall Corsa Hatchback Popular with young drivers for well over a decade, the Corsa is a sensible and reliable supermini — the latest generation has two models (Sting and Life) in insurance group 2.Vauxhall Corsa - Number 4 cheapest car to insure in 2017" width="640" height="419" />
  5. Volkswagen Up! The Volkswagen Up! replaced the popular Fox model as VW’s flagship city car — it’s cheap to run and offers good fuel economy. The Up! won What Car? ‘Car of the Year’ for 2012 and received an overall 5-star rating in a Euro NCAP assessment.
  6. Hyundai i10 The new second generation i10 is in car insurance group 1, meaning it is far cheaper to insure than previous models. The new Hyundai i10 comes with a 1.0 litre engine and is packed with entertainment features, making it an ideal first car for young drivers. It was voted best city car at the 2014 Car of the Year Awards.
  7. SEAT Mii The SEAT Mii is a green and cost effective city car, similar in build to the VW Up!. The Ecomotive model has low emissions so is exempt from road tax and the London Congestion Charge, making it an even more economical buy.
  8. Dacia Sandero The Dacia Sandero is a more spacious 5-door car, and its 16V Access model is in insurance group 2. The Sandero is one of the cheapest new cars available to buy, so it’s perfect for a small family looking for a new car on a budget
  9. Skoda Citigo Part of the Volkswagen group, the Skoda Citigo is in car insurance group 1 as a result of its low price and solid engineering. The Skoda Citigo is a compact but spacious 3-door city car, designed to be easy to drive and park on busy city streets.
  10. Ford Ka+ The Ford Ka+, introduced in 2016, is an update on the original model that became hugely popular in the late 1990s. The Ka+ range includes models in insurance groups 1 and 2, making it a solid choice for those looking for a cheap car to insure.

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Whatever car you drive, one of the best ways to save on your car insurance is to shop around for quotes. Get started by entering your car’s registration or searching by make and model below:

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Read more…

  • Most Expensive Cars To Insure What cars are the most expensive to insure?
  • Very Cheap Car Insurance Find the other ways to get cheap car insurance in the UK
  • Car Insurance For New Drivers If you’re a new driver, finding cheap car insurance can be hard work

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