When you’re choosing your first car, there are so many factors to consider. You want it to look good (because who doesn’t?), you want all the best features like a sat nav and a decent sound system, and you want it to be safe and comfortable. They are all strong qualities to look for in a car, but what about how much it costs to insure?
We know you’re already dreading those premiums and looking at ways to keep the cost of insurance down, but what about how the car you choose affects the price? It’s true, there are some cars that are cheaper than others for you to insure, and we’re going to take you through a few of the top choices for the cheapest cars to insure in 2025 for new drivers.
Does The Car You Choose Really Matter?
The car you choose absolutely matters. The main thing that makes it cheap to insure is its performance. If your car has one of those big, powerful engines, it’s going to have a much higher insurance premium than one with a smaller, less powerful engine. High-performance cars are riskier and more likely to be in an accident from an insurer’s perspective.
This is because the risk of speeding is increased, so you have a vehicle that is more likely to be involved in a high-speed collision, and one that will have higher repair or replacement costs when it happens. You also need to consider the safety rating, the cost of buying the car (the lower, the better), and how popular it is as a target for theft.
Which Cars Are Cheapest for New Drivers to Insure?
If you’re on the hunt for a new car, this is our list of the best picks for 2025 if you want to keep your insurance premiums down. They’re all good, reliable cars. They’re just not the fanciest and most high-powered on the market.
Hyundai i10
City cars have seen a massive decline, and the Hyundai i10 is part of a dying breed. But we don’t understand why because they are compact, reliable, and efficient cars that can go the distance. It’s more spacious than you think, and it comes with some great features that you’d expect from any modern car. For cheap insurance, you want these specs:
63hp 1.0-litre three-cylinder model with the five-speed automated manual gearbox
Fiat 500
Faithful to the original design from the 1950s, this car is iconic among new drivers of all generations. It’s barely been changed since 2007 because of how reliable it is, but it can be a little small, and it’s not the fastest car out there. However, it is fairly cheap to insure, and it only comes in one engine type to make it easier:
1.0-litre three-cylinder engine with mild hybrid system
Volkswagen Polo
This was our first car, and it’s one of the best and most reliable out there. It’s comfortable and smooth to drive, with a spacious interior despite its small size. It has good performance, which means it does well on quiet roads and motorways alike, and you get all those nice premium features if you choose them. For cheap insurance, you’ll want to pick:
1.0-litre three-cylinder ‘Evo’ engine
Kia Picanto
It shares many parts with the Hyundai i10, but it’s got a sportier and more modern design that makes it more popular and slightly more expensive to insure (but it’s still cheaper than most). It’s got some great features and a comfortable feel that makes it a dream to drive, and if you want the best insurance deal, you should pick:
1.0 DPI 2
Skoda Fabia
The Skoda is like the budget VW Polo, and that’s part of what makes it great. It’s even more affordable to buy (which is good for your insurance premiums). The clever designs mean that the interior doesn’t feel cramped, but the safety rating is a little lower than most, which isn’t always good for insurance. The best choice here is to pick:
1.0 mpi 80hp engine
Which Type of Car is Cheapest to Insure?
If you want to break it down to the basics, there is a type of car you can look for that generally costs less to insure. Small hatchbacks with affordable price tags and low-powered engines will almost always be the cheapest for you to insure. Of course, some larger cars can be cheap as well. It depends on their performance, repair costs, desirability, and safety rating.
Get Reliable Student Car Insurance with MyFirst
How much is insurance for a new driver? We get asked this all the time, and it’s often met with a few shocked expressions. With car insurance, new driver rates mean you get the worst deals, which is why we at MyFirst are dedicated to making it as affordable as possible. We want you to feel safe on the road, and a reliable form of insurance is where it all begins.
If you want the cheapest black box car insurance or you need something slightly less restrictive, we have what you need. Get in touch today and see how much a free quote saves you.
