Cheapest cars to insure

Car insurance can be really expensive, especially for those who have just passed their driving test. Young drivers are usually quoted the highest but there are ways to bring the prices down and one of them is by choosing a car in the low insurance bracket group to get the best deals.

Here are the top 5 cars which can be insured in the region of £250-350:

1. Vauxhall Corsa

The Vauxhall Corsa is extremely popular amongst young drivers because it is very affordable to run.

Price from : £8,995 Insurance group : 2 Road tax : £125/year (Band E)

2. Renault Clio

The Renault Clio is a stylish car which is very fuel efficient.

Price from : £10,795 Insurance group : 7 Road tax : £140/year (Band F)

3. Ford Ka

The Ford Ka is an excellent around town car which offers you plenty of space inside.

Price from : £11,045 Insurance group : 3 Road tax : £30/year (Band C)

4. Fiat Punto

The Fiat Punto is stylish car which is very comfortable to drive.

Price from : £9,990 Insurance group : 11 Road tax : £0/year (Band A)

5. Peugeot 106

The Peugeot 106 is a fabulous car which is bound to put a smile on your face.

Price : N/A Insurance group : 7 Road tax : £140/year (Band F)

The type of car you drive plays an important part in determining how much you will be charged for car insurance. Insurers typically classify the different car make/models in groups, ranging from 1 to 50 (previously it was 1-20). The higher the car insurance group you car falls into, the higher your premiums.

Since the cars listed above fall into the lower insurance group, typically 1-12, they are the cheapest cars to insure for drivers of any age. Their parts are readily available and cheaper to buy; so if you're involved in an accident and your car is damaged, it can be repaired quicker and at a lower cost than other models. Getting a car repaired as quickly as possible saves the insurance company money that it would otherwise spend on a courtesy car and labour costs while yours is being repaired at a garage and thus they reward you by reducing your insurance premiums.

Of course these models might not be your first choice and you could already have your heart set on a different car but as a young or new driver, it is in your best interest to choose a vehicle which you can insure at a decent price than something which would make a dent in your pocket. Later on, when you've gathered at least 2 years no claims bonus (NCB), you can look into buying the one you desired or another one which is better.