10 of the Cheapest Cars to Insure for Young Drivers
Car insurance for young drivers can be painfully expensive — but choosing a car in a low insurance group can make a real difference. (Your postcode, age, licence length, claims history and whether you use telematics still matter a lot, but the car choice is a big lever.)
If you’re looking for a sensible first car in Ebbw Vale, you can browse our current stock here: Used cars.
What makes a car “cheap to insure”?
In the UK, cars are assigned an insurance group (1–50). Lower groups are generally cheaper to insure because they tend to be lower risk (slower performance), cheaper to repair, and have good safety/security features.
10 cars that are among the cheapest to insure (UK, 2026)
This shortlist is based on cars sitting in very low insurance groups in 2026. (Exact premiums will still vary by driver and area.)
Hyundai i10 (very low groups on certain trims)
Volkswagen Polo
Škoda Fabia
Kia Picanto
Toyota Aygo X
Fiat 500
Dacia Sandero
Renault Clio
SEAT Arona
Volkswagen up!
Tip: insurance group can change by engine/trim/gearbox, so always quote the exact version you’re considering.
5 quick ways young drivers can reduce insurance costs
Alongside choosing a low insurance group car, these often help:
Consider a telematics/black box policy (can reward safer driving).
Try fully comprehensive quotes too (sometimes cheaper than third party).
Pay annually if possible (often reduces total cost).
Keep modifications simple (mods can push premiums up).
Compare quotes for the exact spec and be realistic on mileage/usage.
Ready to look for a first car?
If you’re shopping locally in South Wales, you can start here: Browse our used cars. When you’ve found a few you like, get insurance quotes against those exact registrations/specs — it’s the fastest way to see what’s truly “cheap to insure” for you.
And if you’d like to visit us in person, find us here.
Frequently Asked Questions
1) What is an insurance group and why does it matter?
Insurance groups run from 1–50 — the lower the group, the cheaper it tends to be to insure, because the car is usually lower risk and cheaper to repair.
2) Are smaller engines always cheaper to insure?
Often, yes — but not always. Insurance is based on the exact model/trim/engine, so a small engine in a “sporty” trim can still cost more.
3) Will a black box policy definitely make insurance cheaper?
Not guaranteed, but it can help many young drivers by rewarding safer driving and reducing risk for insurers — it’s worth getting quotes both with and without it.
4) Is fully comprehensive insurance ever cheaper than third party?
Surprisingly, yes. Fully comp can sometimes be priced lower because insurers may see those drivers as lower risk, so always compare both.
5) What’s the quickest way to find the cheapest car to insure for me?
Pick 2–3 cars you’re considering, then get quotes using the exact registration/spec for each — it’s the most accurate way to see what will be cheapest for you.