If you’re a new driver and are worried about the cost of car insurance, this article may help. We have the top 5 cheapest cars to insure for first-time drivers, as well as tips and information to help get cheaper car insurance. And no, you don’t need to sell a kidney or a sibling to afford it.
Before we dive into the list, it’s important to understand how insurance companies determine the cost of coverage for first-time drivers. Factors such as age, driving experience, location, and even the type of car can greatly influence the premiums.
Why does insurance cost so much for first-time drivers?
There are several factors that can affect insurance premiums for first-time drivers. One of the biggest factors is the type of car being insured. Insurance companies take into consideration the make, model, and year of the vehicle, as well as its safety features and theft deterrents. Cars that are considered safer and less likely to be stolen will generally have lower insurance premiums.
Age and gender
Drivers age and gender can also have an impact on the cost of insurance premiums. If you are a young male driver, the likelihood of you having an accident or making a claim on your insurance is high, which is why your insurance premium will cost more.
Location
The driver’s location may also have an impact on insurance costs. Due to the greater danger of accidents or theft, insurance premiums may be higher in areas with higher crime rates or denser populations.
Driving history
Furthermore, the driver’s driving history and record also play a significant role in determining insurance rates. Drivers with a history of accidents or traffic violations are considered at higher risk and may face higher premiums.
Insurance type
Finally, the type of insurance coverage a person has on their car can also be a factor in how much their insurance premium will cost. Fully comprehensive insurance will cost more than third-party cover insurance premiums as it offers a wider range of coverage, including damage to the insured person’s own vehicle.
On the other hand, third-party cover only provides protection for damage caused to other vehicles or property. Therefore, individuals with fully comprehensive insurance can expect to pay higher premiums due to the increased level of protection they receive.
Top 5 cheapest cars to insure for first-time drivers
Car 5: Citroen C1
At number five is the Citroen C1, which has an average insurance cost for first-time drivers of £858.00 per year and is a popular choice among first-time drivers due to its low insurance costs and compact design.
The Citroen C1 is known for its fuel efficiency and easy manoeuvrability, making it a practical option for city driving. Additionally, its compact size makes it easier to park and navigate through tight spaces, reducing the risk of accidents and potential insurance claims.
With an average insurance cost of £858.00 per year, the Citroen C1 provides an affordable option for new drivers looking for reliable transportation without breaking the bank on insurance premiums.
Car 4: Peugeot 107
Up next on this list of the 5 cheapest cars to insure for first-time drivers is the Peugeot 107, which you will be pleased to hear has an average insurance cost of £850 per year.
Once again, the compact design makes for easy driving and manoeuvrability, and thanks to features such as the anti-lock braking system (ABS) and electronic stability control (ESC), it contributes to its lower insurance premiums.
Car 3: Hyundai i10 Active Model
The next cheapest car to insure for first-time drivers is the Hyundai i10 Active Model, which costs new drivers on average £833 per year. The affordability of the Hyundai i10 Active Model makes it a popular choice among first-time drivers.
Car 2: Fiat 500
The average cost of insurance for first-time drivers of a Fiat 500 is £770 per year. This is not only one of the cheapest cars to insure for first-time drivers, but it is also one of the best cars for fuel consumption.
The Fiat 500 boasts an array of safety features that contribute to its lower insurance premiums. These features include advanced airbags, electronic stability control, and an anti-lock braking system; furthermore, the Fiat 500 is renowned for its fuel efficiency, making it an economical choice for first-time drivers.
Furthermore, the Fiat 500 is also known for its compact size and nimble handling, making it easy to manoeuvre in crowded city streets.
Car 1: Toyota Aygo
And so the cheapest car to insure for first-time drivers is the Toyota Aygo, which costs £750 per year and can save new drivers £108 on insurance premiums, compared to the Citroen C1, which was number five on this list.
The Toyota Aygo is not only affordable for first-time drivers, but it also boasts a range of safety features that contribute to lower insurance premiums. With features such as lane departure warning, automatic emergency braking, and a rearview camera, insurers view the Aygo as a safe and reliable choice for new drivers.
7 tips on how to save money on insurance for first-time drivers
1. Consider paying a higher insurance excess to save money on insurance for first-time drivers.
A tip to save money on insurance for first-time drivers is to set a higher insurance excess when you take out the insurance policy. For example, a lower excess of £100 will mean you pay more for your insurance compared to an excess of £500, which may be cheaper.
Be aware, though, that if you are involved in an accident, you will be required to pay the excess amount to the insurance company.
2. For a cheaper first-time driver insurance quote, go for a smaller engine size.
Smaller engine sizes are generally cheaper to insure, as they are considered less powerful and therefore less likely to be involved in accidents. The Toyota Aygo, with its compact size and efficient engine, is a popular choice among first-time drivers for this very reason.
Not only is it affordable to purchase, but its low insurance premiums make it even more attractive to those on a budget.
3. Fit a black box
A black box is a gadget that can monitor your driving patterns and is put in the car. It records your speed, braking, and acceleration and sends the information to your insurance provider.
What this means is that with a black box installed, insurers can analyse your driving skills and offer you a more customised insurance quote based on your driving. This can be particularly beneficial for first-time drivers, as it allows them to prove that they are responsible and safe on the road, potentially resulting in lower insurance costs.
There is also a safety benefit to having a black box fitted, as it can improve your driving habits. This is because you are more aware of your own driving habits and can make conscious efforts to drive more safely. The data provided by the black box can highlight areas where you can improve, such as reducing sudden braking or maintaining a steady speed.
By receiving feedback and suggestions based on your driving patterns, you can become a more confident and skilled driver over time. This not only benefits you in terms of insurance costs but also increases overall road safety for everyone on the road.
4. Be a named driver on your parents insurance policy.
Being named a driver on your parents’ insurance policy can also be a benefit to first-time drivers. Firstly, it allows you to build up your own no-claims bonus, which can lead to significant savings on your own insurance premiums in the future.
Additionally, being on your parents’ policy means that you are covered by their insurance in case of an accident or damage to the vehicle.
There is a cost to adding a first-time driver to their parent’s insurance policy; however, the cost would not be as significant compared to the cost of insurance for a stand-alone policy.
5. Shop around for multiple insurance quotes using a comparison tool.
Before you get your insurance policy, it is really important to use a comparison tool, which allows you to see the price difference and cover options available to you from different insurance providers.
If you want to get the best insurance quote possible, the process of comparing quotes will help you decide if you are getting the best deal possible.
6. Add an older person to your first-time driver’s insurance policy.
Above, we mentioned how being a named driver on your parents policy could save you money on your first-time driver insurance policy. The reverse can also help to reduce costs.
If you add an older named driver to your insurance, it can help to bring down the cost because insurance companies see a more experienced person using the car for a proportion of the time.
7. Choose a cheaper car for lower first-time driver insurance.
When it comes to choosing a car for first-time driver insurance, opting for a cheaper vehicle can significantly lower your insurance costs. Insurance companies typically base their premiums on factors such as the car’s value, engine size, and safety features. By selecting a car with a lower value, you can potentially get a more affordable insurance policy.
Bonus Tip to save money on insurance for first-time drivers
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If you’re a new driver and are worried about the cost of car insurance, this article may help. We have the top 5 cheapest cars to insure for first-time drivers, as well as tips and information to help get cheaper car insurance. And no, you don’t need to sell a kidney or a sibling to afford it.
Before we dive into the list, it’s important to understand how insurance companies determine the cost of coverage for first-time drivers. Factors such as age, driving experience, location, and even the type of car can greatly influence the premiums.
Why does insurance cost so much for first-time drivers?
There are several factors that can affect insurance premiums for first-time drivers. One of the biggest factors is the type of car being insured. Insurance companies take into consideration the make, model, and year of the vehicle, as well as its safety features and theft deterrents. Cars that are considered safer and less likely to be stolen will generally have lower insurance premiums.
Age and gender
Drivers age and gender can also have an impact on the cost of insurance premiums. If you are a young male driver, the likelihood of you having an accident or making a claim on your insurance is high, which is why your insurance premium will cost more.
Location
The driver’s location may also have an impact on insurance costs. Due to the greater danger of accidents or theft, insurance premiums may be higher in areas with higher crime rates or denser populations.
Driving history
Furthermore, the driver’s driving history and record also play a significant role in determining insurance rates. Drivers with a history of accidents or traffic violations are considered at higher risk and may face higher premiums.
Insurance type
Finally, the type of insurance coverage a person has on their car can also be a factor in how much their insurance premium will cost. Fully comprehensive insurance will cost more than third-party cover insurance premiums as it offers a wider range of coverage, including damage to the insured person’s own vehicle.
On the other hand, third-party cover only provides protection for damage caused to other vehicles or property. Therefore, individuals with fully comprehensive insurance can expect to pay higher premiums due to the increased level of protection they receive.
Top 5 cheapest cars to insure for first-time drivers
Car 5: Citroen C1
At number five is the Citroen C1, which has an average insurance cost for first-time drivers of £858.00 per year and is a popular choice among first-time drivers due to its low insurance costs and compact design.
The Citroen C1 is known for its fuel efficiency and easy manoeuvrability, making it a practical option for city driving. Additionally, its compact size makes it easier to park and navigate through tight spaces, reducing the risk of accidents and potential insurance claims.
With an average insurance cost of £858.00 per year, the Citroen C1 provides an affordable option for new drivers looking for reliable transportation without breaking the bank on insurance premiums.
Car 4: Peugeot 107
Up next on this list of the 5 cheapest cars to insure for first-time drivers is the Peugeot 107, which you will be pleased to hear has an average insurance cost of £850 per year.
Once again, the compact design makes for easy driving and manoeuvrability, and thanks to features such as the anti-lock braking system (ABS) and electronic stability control (ESC), it contributes to its lower insurance premiums.
Car 3: Hyundai i10 Active Model
The next cheapest car to insure for first-time drivers is the Hyundai i10 Active Model, which costs new drivers on average £833 per year. The affordability of the Hyundai i10 Active Model makes it a popular choice among first-time drivers.
Car 2: Fiat 500
The average cost of insurance for first-time drivers of a Fiat 500 is £770 per year. This is not only one of the cheapest cars to insure for first-time drivers, but it is also one of the best cars for fuel consumption.
The Fiat 500 boasts an array of safety features that contribute to its lower insurance premiums. These features include advanced airbags, electronic stability control, and an anti-lock braking system; furthermore, the Fiat 500 is renowned for its fuel efficiency, making it an economical choice for first-time drivers.
Furthermore, the Fiat 500 is also known for its compact size and nimble handling, making it easy to manoeuvre in crowded city streets.
Car 1: Toyota Aygo
And so the cheapest car to insure for first-time drivers is the Toyota Aygo, which costs £750 per year and can save new drivers £108 on insurance premiums, compared to the Citroen C1, which was number five on this list.
The Toyota Aygo is not only affordable for first-time drivers, but it also boasts a range of safety features that contribute to lower insurance premiums. With features such as lane departure warning, automatic emergency braking, and a rearview camera, insurers view the Aygo as a safe and reliable choice for new drivers.
7 tips on how to save money on insurance for first-time drivers
1. Consider paying a higher insurance excess to save money on insurance for first-time drivers.
A tip to save money on insurance for first-time drivers is to set a higher insurance excess when you take out the insurance policy. For example, a lower excess of £100 will mean you pay more for your insurance compared to an excess of £500, which may be cheaper.
Be aware, though, that if you are involved in an accident, you will be required to pay the excess amount to the insurance company.
2. For a cheaper first-time driver insurance quote, go for a smaller engine size.
Smaller engine sizes are generally cheaper to insure, as they are considered less powerful and therefore less likely to be involved in accidents. The Toyota Aygo, with its compact size and efficient engine, is a popular choice among first-time drivers for this very reason.
Not only is it affordable to purchase, but its low insurance premiums make it even more attractive to those on a budget.
3. Fit a black box
A black box is a gadget that can monitor your driving patterns and is put in the car. It records your speed, braking, and acceleration and sends the information to your insurance provider.
What this means is that with a black box installed, insurers can analyse your driving skills and offer you a more customised insurance quote based on your driving. This can be particularly beneficial for first-time drivers, as it allows them to prove that they are responsible and safe on the road, potentially resulting in lower insurance costs.
There is also a safety benefit to having a black box fitted, as it can improve your driving habits. This is because you are more aware of your own driving habits and can make conscious efforts to drive more safely. The data provided by the black box can highlight areas where you can improve, such as reducing sudden braking or maintaining a steady speed.
By receiving feedback and suggestions based on your driving patterns, you can become a more confident and skilled driver over time. This not only benefits you in terms of insurance costs but also increases overall road safety for everyone on the road.
4. Be a named driver on your parents insurance policy.
Being named a driver on your parents’ insurance policy can also be a benefit to first-time drivers. Firstly, it allows you to build up your own no-claims bonus, which can lead to significant savings on your own insurance premiums in the future.
Additionally, being on your parents’ policy means that you are covered by their insurance in case of an accident or damage to the vehicle.
There is a cost to adding a first-time driver to their parent’s insurance policy; however, the cost would not be as significant compared to the cost of insurance for a stand-alone policy.
5. Shop around for multiple insurance quotes using a comparison tool.
Before you get your insurance policy, it is really important to use a comparison tool, which allows you to see the price difference and cover options available to you from different insurance providers.
If you want to get the best insurance quote possible, the process of comparing quotes will help you decide if you are getting the best deal possible.
6. Add an older person to your first-time driver’s insurance policy.
Above, we mentioned how being a named driver on your parents policy could save you money on your first-time driver insurance policy. The reverse can also help to reduce costs.
If you add an older named driver to your insurance, it can help to bring down the cost because insurance companies see a more experienced person using the car for a proportion of the time.
7. Choose a cheaper car for lower first-time driver insurance.
When it comes to choosing a car for first-time driver insurance, opting for a cheaper vehicle can significantly lower your insurance costs. Insurance companies typically base their premiums on factors such as the car’s value, engine size, and safety features. By selecting a car with a lower value, you can potentially get a more affordable insurance policy.
Bonus Tip to save money on insurance for first-time drivers
You can avoid unnecessary claims on your insurance, by fitting a dash camera to your windscreen when driving.
Installing a dash camera in your vehicle can give crucial proof in the case of an accident or dispute, protecting your no-claims bonus.
There is also other benefits of using a dash cam while driving and being parked. Some insurance companies provide discounts to drivers who have a dash camera installed, as it might discourage false claims.
Installing a dash camera can not only help you prevent unnecessary claims on your policy, but it can also save you money on your insurance.
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