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The Cheapest Cars to Insure for New and Young Drivers

The Cheapest Cars to Insure for New and Young Drivers

Car insurance often costs new and young drivers more than their first vehicle.  Choosing a car in a low insurance group can help keep your costs down.

There are 2 main reasons car insurance is so high for new and young drivers and both relate to the level of risk the insurer believes they are taking when they agree to provide you with cover.

  1. Likelihood of being in an accident - statistically just over 12% of drivers on the UK's roads are under 25.  Of all drivers involved in a serious road accident 25% of them are under 25.  These statistics show young drivers are more likely to be involved in an accident than those over 25.  Insurers therefore conclude younger drivers are riskier to insure so charge more.
  2. Lack of no claims history - if you are new to driving, you will not have any previous driving history to show an insurer you have not needed to make any claims.  Insurers offer big discounts to those who have several years no claims as they are seen to be less of a risk.  So, without any years of no claims, you will be seen as a greater risk to insure so will be charged more.

Your Complete Guide To Car Insurance

The latest figures from the AA show the average policy for a driver aged 17-22 is around £1,436 compared to the overall average policy cost of £847.  One way to keep insurance costs low for all drivers is to choose a car which is in a low insurance group.

Rivervale's Top Picks of Cars in Insurance Groups 1-3

Seat Mii

seat mii

  • Insurance Group 1E - 4E depending on model
  • 5* NCAP Safety Award
  • 64.2mpg (combined)
  • 102g/km Co2 emissions
  • As standard; air con, hill hold control, daytime running lights

Skoda Citigo

  • Insurance group 1E-4E depending on model 
  • 5* NCAP Safety Rating
  • 64.2mpg (combined)
  • 101g/km Co2 emissions
  • As standard; daytime running lights, AUX, USB, CD player, 

skoda citigo

Toyota Yaris

toyota yaris

  • Insurance group 2E - 10E depending on model
  • 5* NCAP Safety Rating
  • 65.7mpg (combined)
  • 99g/km C02 emissions
  • As standard; Toyota Safety Sense, air con, daytime running lights, Bluetooth

Renault Twingo

  • Insurance group 2E-11E depending on model 
  • 4* NCAP Safety Rating
  • 56.6mpg (combined)
  • 112g/km C02 emissions
  • As standard; LED daytime running lights, hill start assist, smartphone cradle, DAB radio and Bluetooth

renault twingo

Ford Ka+

ford ka+

  • Insurance group 1E-5E depending on model 
  • 3* NCAP Safety Rating
  • 56.5mpg (combined)
  • 114g/km Co2 emissions
  • As standard; Bluetooth, hill start assist, speed limiter, daytime running lights and Ford Easy Fuel

Volkswagen Up

  • Insurance group 1E-10E depending on model 
  • 5* NCAP Safety Rating
  • 64.2mpg (combined)
  • 101g/km Co2 emissions
  • As standard; hill hold, DAB digital radio, heat insulating tinted glass and body coloured bumpers

volkswagen up

Kia Rio

kia rio

  • Insurance group 2E-8E depending on model
  • 5* NCAP Safety Rating
  • 58.8mpg (combined) 
  • 92g/km Co2 emissions
  • As standard; multi-focus reflector headlights, air con, Bluetooth, hill start assist and intelligent stop and go

Vauxhall Corsa

  • Insurance group 3E-21E depending on model
  • 4* NCAP Safety Rating
  • 54.3mpg (combined)
  • 120g/km Co2 emissions
  • As standard; heated windscreen, halogen headlights and 16" alloy wheels

vauxhall corsa

Do you have any tips to reduce your car insurance cost?

The comments above do not necessarily reflect Rivervale's views unless clearly stated.

Car related news
10 August 2017
Written by Natalie Faughy
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