Cheapest Car Insurance For Under 21 - Insurance is one of the biggest annual expenses for most people, so it makes sense to reduce that cost by going for a cheap car. But what are the best cars for sale with cheap insurance? Read on to find out.
All cars are placed in an insurance group between one and 50, with one being the cheapest and 50 being the most expensive. While your own age, occupation, driving history, health, location and employment status affect how much you pay for insurance, the car you choose also has a big influence on this.
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Things that can affect a car's insurance coverage include how powerful it is, how much it is worth, how expensive repairs are known to be for that car, its value and what safety equipment it is equipped with. All presented cars are available in the low insurance group, even if this assumes that you will choose a model with a modest engine and trim level.
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We must also emphasize that small changes in the specification of a car can have a huge impact on its insurance group, while all new cars have many mandatory safety equipment (such as autonomous emergency braking) and sensors that will need recalibration or replacement after. collision, immediate repair. costs increase, and insurance groups increase as a result.
We have chosen cars that are currently on sale for our conclusion, although in some cases specific engines that carry low insurance groups may not be available new as car manufacturers rationalize their lines in the context of the global shortage of semiconductors.
Given the above, the best thing to do is check the cost of a specific car you're thinking of buying (with license plate, if possible) to make sure, with a supplier or price comparison site before handing over your money. You can also find cheap insurance easier to find if you look at older models, rather than new cars. Another thing to remember is that the lack of computer-chip semiconductors means that automakers often build the basic car with popular equipment, rather than offering the entry-level models they once did; that means some cars that were cheap to insure
The Volkswagen Polo is comfortable and stylish, and has an interior full of soft, well-chosen materials that give it a big car feel. Every VW Polo also comes with a slick touchscreen entertainment system.
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The only fly in the ointment is that the only engine that qualifies for low insurance is the lower 1.0-litre, which is a touch lethargic. It will be fine if all your driving is done in the city, however if you have plans to venture out on the highway then we would suggest the extra valley and go for a higher model.
The Hyundai i10 is a funky-looking hatchback loaded with standard equipment, including air conditioning and electric windows, even on the entry-level SE model, which sits in Group 3. You don't have to go too far down the range. to get a touchscreen infotainment system as well. It's big enough (only) for four adults, and the boot is big enough for a weekly grocery trip.
Small dimensions and light control make the i10 at home poke in the city, and parking is a little. However, you will have to work with the 67hp engine to keep the traffic, and these are models that fall into the lowest insurance group.
The Volkswagen Up is like a sports star that has been around for ages but is still at the top of their game. The interior has a simple appearance but is actually full of standard equipment, such as DAB radio, bluetooth and air conditioning.
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A large boot means there's more space inside than you might imagine, and of course it's a VW so the quality of the interior is impressive for such an affordable car. But the 60hp engine, which receives an insurance group 2, needs a strong rewired to continue with traffic.
The Kia Picanto is a great city car with funky styling options and excellent standard equipment, as long as you avoid the entry-level version. Mid-spec cars get alloy wheels, bluetooth and air conditioning. Climb a little higher and you can also have an easy-to-use touchscreen infotainment system.
The 1.0-litre engine is good around town but can feel strained at motorway speeds and cabin noise can be constant. You can get it with a 100hp turbocharged unit but those will cost more to be sure. All models come with a reassuring seven-year warranty, while the mid-level 2 trim actually sits in a slightly lower insurance band than the base 1 model.
The Dacia Sandero is the cheapest new car you can buy right now, and it's proof that cheap definitely doesn't mean crappy. You get a lot of standard equipment, such as bluetooth and air conditioning. A touchscreen infotainment system can also be specified.
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Dacia released the entry-level Sandero Access recently, but you can still find an affordable Essential model that has group 4 insurance.
There's a good reason why the Ford Fiesta has consistently been among the best-selling cars in the UK, it's a great all-rounder. It combines the kind of high-tech features you usually find on top-of-the-line cars with genuine small car and economy. It's just a shame it's not as great as some rivals.
The three-cylinder 1.0-litre engine is a peach, and it contributes to the Fiesta being a really fun car to drive and it's also economical. You'll have to pay extra to secure it though, as only the old-fashioned 1.1-litre petrol engine (available only on the base Trend model) falls into the lower bracket.
The SEAT Ibiza feels like a decent-sized car considering some models fall into group 3. It's roomy enough for four adults and has a practical 355-litre rear boot. However, the stylish exterior is not replicated inside, where everything is a bit gruff.
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All models get a color touchscreen infotainment system as standard, along with alloy wheels and a leather steering wheel. But the 1.0-liter MPi engine develops just 80 hp, and like the Fiesta's nicer, more modern 1.0-liter turbo engine 100 hp. (called TSI) is more expensive to insure.
Take a seat inside the Renault Clio and you'll find it hard to believe it can be classified in group 3 for insurance. The dashboard is smart and minimalist, and the materials all feel elegant and well put together.
There's easily enough space for you and a front-seat passenger to be comfortable, but anyone tall you send to the back will be less than happy with the space on offer.
You'll have to look for a Clio with the 73hp SCe 1.0-litre engine for cheap insurance, and Renault doesn't offer this new, so make sure you do your research before you buy.
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The Skoda Fabia offers excellent value for money and is a good alternative to the Volkswagen Polo. It has comparable equipment and engine as the Polo, for a lower price. The interior is a nice place to sit, although not as well built as the Polo, and it's comfortable to travel in.
The 80 hp. 1.0-liter MPI engine that comes in the group 4 feels a little lethargic, so if you plan to use the Fabia on the highway, you will be better off with the more modern and powerful TSI engine, which carries the highest insurance group. . . All models are economical though, so no matter which one you choose, it will be easy on the wallet.
The Kia Rio is affordable to buy but doesn't feel like a cheap product inside. Equipment is generous across the range, with all cars getting bluetooth and air conditioning. Mid-spec cars and above come with a touchscreen infotainment system as standard, too.
As with the other cars in this clearance, you'll have to look for the base engine to get cheap insurance, which in this case is 84 hp. 1.2 liter unit.
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The standard Toyota Aygo city car may no longer be in production, but the Aygo X, launched in 2022 for an SUV, takes its place, and it comes with affordable insurance thanks to a Group 6 rating if you go for a Pure or Edge version. , and higher-spec exclusive trim continues to come in group 7.
With light steering and a high ride height, the Aygo X is a great city companion, while the rugged look adds some visual style to more conventional city cars.
It used to be possible to find a Micra in insurance group 1, but that was for the 1.0-litre 70hp model, which is no longer offered. Go for a 1.0-litre 92hp Accent model with the CVT automatic gearbox today and you should still get affordable group 4 insurance, although this increases to group 8 if you go for the manual model.
Either way, the Micra is stylish, comfortable and easy to drive, while being good on gas and cheap to service.
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It's true, the Fiat 500 can be in insurance group 8, which is relatively high in this company, but it should also make relatively affordable coverage - even if you make sure you choose the right trim.
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