Best Cars in Insurance Group 1
Insurance group 1 cars are among the cheapest vehicles to insure in the UK, making them ideal for:
Young drivers
First-time drivers
Anyone trying to reduce insurance costs
In this guide, we’ll cover the best cars in insurance group 1 and explain why they’re so affordable to insure.
🟡 Quick Answer (Featured Snippet Section)
Some of the best cars in insurance group 1 include:
👉 These cars are popular because they combine:
Low insurance costs
Cheap running costs
Good reliability
🔵 What is Insurance Group 1?
In the UK, cars are placed into insurance groups from 1–50.
1≤Insurance Group≤50
Group 1 = cheapest to insure
Group 50 = most expensive
Insurance group 1 cars are usually:
Small engine cars
Lower-powered vehicles
Cheap to repair
👉 Full guide: [Insurance Group 1–10 Cars]
🟣 Best Cars in Insurance Group 1
1. Toyota Aygo
Engine: 1.0L
Typical Insurance Cost: £1,700–£2,400/year for young drivers
✅ Pros:
Extremely cheap insurance
Excellent fuel economy
Reliable
❌ Cons:
Small interior space
👉 Verdict: One of the best overall choices for minimising ownership costs.
2. Hyundai i10
Engine: 1.0L
Typical Insurance Cost: £1,800–£2,500/year
✅ Pros:
Comfortable and easy to drive
Reliable
❌ Cons:
Basic older models
👉 Verdict: A very safe and sensible first car.
3. Volkswagen Up!
Engine: 1.0L
Typical Insurance Cost: £2,000–£2,700/year
✅ Pros:
Premium feel
Strong build quality
❌ Cons:
Slightly more expensive to buy
👉 Verdict: Great option if you want a more modern-feeling small car.
4. Skoda Citigo
Engine: 1.0L
✅ Pros:
Cheap to run
Shares many parts with VW Up
❌ Cons:
Simple interior
👉 Verdict: One of the best-value group 1 cars available.
5. Kia Picanto
Engine: 1.0L
✅ Pros:
Reliable
Good equipment levels
❌ Cons:
Some trims move into higher insurance groups
👉 Verdict: A solid all-round option for young drivers.
🟠 Why Are Group 1 Cars So Cheap to Insure?
Insurance companies like these cars because they:
Have low accident risk
Are inexpensive to repair
Usually have small engines
👉 Lower risk = lower premiums.
🔴 Are Group 1 Cars Slow?
Not necessarily.
While they’re not “fast” cars, many group 1 cars are:
Easy to drive
Cheap to fuel
Ideal for city driving and commuting
👉 They prioritise affordability over performance.
🟢 Realistic Insurance Costs for Young Drivers
Typical yearly insurance prices:
Age 17: £2,500–£4,000
Age 18–19: £2,000–£3,500
Age 20–21: £1,500–£2,800
👉 Your location and driving setup matter heavily.
🔵 Tips for Getting the Cheapest Insurance Possible
To lower costs further:
Add a named driver
Reduce annual mileage
Consider a black box policy
Compare quotes before buying the car
👉 Full guide: [How to Get Cheaper Car Insurance]
🟣 Internal Linking Section
You should also read:
[Cheapest Cars to Insure for 17 Year Olds]
[Average Insurance Cost for Young Drivers]
[Best First Cars for 18 Year Olds]
🟢 Final Verdict
Insurance group 1 cars are some of the best options for:
Young drivers
Budget-conscious drivers
Anyone wanting low running costs
Cars like the Toyota Aygo and Hyundai i10 remain among the strongest overall choices.
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