Top 11 Cheapest Cars To Insure For New Drivers in 2024
Any cheapest cars to insure for new drivers will help you not to worry about insurance for the first trip when you are still not too used to nurturing and accompanying the same car every day.
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For those who are new to driving, owning a car with enough capacity and performance is always ideal. After hours of stress getting your license and finding a car you like, you probably want your car insurance policy to be a little easier to handle.
Your burdens will be reduced, plus a car that can help you move comfortably. It will be great if you make the right choice. Let’s take a look at a list of some highlighted car models with reasonable and affordable insurance.
Cheapest Cars To Insure For New Drivers: Top 11
All cars are placed in an insurance group from 1 to 50, with one being the cheapest and 50 being the most expensive. While your age, occupation, driving history, health, location, and employment status affect how much you pay for insurance, the car you choose also has a huge effect on what you’re looking for.
Things that can affect a car’s insurance include its strength, its value, how expensive repairs are known, plus its value and another safety device to which it is equipped.
The cars featured below are available in low-insurance groups, though this assumes you’ll choose a model with a modest engine and trim level.
Volkswagen Polo
Volkswagen Polo is a subcompact car of the Germany Volkswagen manufacturer. First born in 1975, Polo is in the 6th generation (type AW, 2017-present). It is a very outstanding-selling model of Volkswagen with more than 16 million units sold (in 9 variants).
Polo also won prestigious awards such as “Best Cars 2019” from the Reader’s Choice Awards and 4 times the FIA World Rallycross Championship (WRX).
Not following the trend, Volkswagen keeps the classic simple design feature that is over 4 decades old in the Polo. Distinctive features such as the wide C-pillar and neat rear end have been defining details throughout Polo’s history. The car uses leather, high-quality plastic, and some chrome trim to create accents for the cabin.
In term of performance, Volkswagen Polo is equipped with a 1.6L 4-cylinder engine with a capacity of 105 horsepower at 5250 rpm and maximum torque of 153 Nm at 3,750 rpm. This could be the ideal car for a newbie with its refined design and reasonable insurance price.
Hyundai i10
Looking directly from the front, the Hyundai Grand i10 is attractive with a modern grille with sinewy contours. The enlarged grille, elaborately cared for, feels more sturdy and impressive.
The embossed veins running along the car’s body add to the dynamism. Another unique feature of the i10 is that the sedan and hatchback versions have a black painted C-pillar, creating a unique flying hood effect. Not only the appearance but also the inside of the third generation Hyundai Grand i10 has also been changed to be more attractive.
As an A-class car, the i10 will have certain limitations. However, the newly designed interior and added comfort system on the i10 will surely interest many people.
For the engine and performance, the Grand i10 uses a 1.2L Kappa engine for a maximum capacity of 83 horsepower at 6,000 rpm, and maximum torque of 114 Nm at 4,000 rpm. The car has two options of 5-speed manual and 4-speed automatic transmission.
With a cheap car like the Hyundai i10, owning the above safety technology is impressive. Along with the cheap and reasonable insurance price, it is one of the bright spots that make it easier for the i10 to win over buyers.
Toyota Yaris
In addition to cheap car insurance, the outstanding advantage of the Toyota Yaris that helps it become one of the cheapest cars to insure for new drivers is its excellent fuel economy. This hatchback model uses a 1.5L direct injection engine combined with a CVT continuously variable transmission. The estimated fuel consumption on mixed roads is 5.7L/100km.
The Toyota Yaris boasts MacPherson strut front and torsion beam rear suspension, designed to provide agile handling and an exceptionally smooth ride, making it a great vehicle for commuting every day.
Moreover, it is also highly durable. This is the most accurate phrase to describe the durability according to many users who evaluate the old Toyota Yaris. Although the Toyota Yaris has little equipment, its durability is superior to all rival cars in the same segment.
As one of the cheapest second-hand cars to insure for new drivers, if cared for carefully, car owners can use an old Toyota Yaris for up to 7-8 years without just changing the tires and battery (excluding maintenance such as oil changes).
The interior of the Toyota Yaris is quite “monotonic” but also received good feedback on durability with the dashboard of plastic material not being easily scratched. The seat cushion is firm, the air conditioner and all the buttons and adjustment keys are mostly mechanical, so it is more durable than the automatic ones.
SEAT Mii
The SEAT Mii was introduced in 2012 and bears a striking resemblance to the Skoda Citigo and the Volkswagen Up. This trio of small cars is designed to offer maximum cabin space and a mature feel while remaining easy to drive and inexpensive.
The SEAT Mii shares the platform, engine, and interior with its sister cars, while the exterior looks almost identical except for a few special details.
Inside, the SEAT Mii keeps things simple and streamlined. The layout of the dashboard also emphasizes the sense of space. All of the main controls are centrally located and overhead by the driver, with a display at the top.
The equipment is clear and engaging, with a trip calculator app at the bottom of the speedometer. It’s not luxurious, but what SEAT Mii gives is a sense of quality. So with this car, you don’t feel like you’ve just bought the cheapest cars for new drivers to insure.
In addition, the engine range is also simple. The base SEAT Mii engine is a 1.0 liter 3-cylinder, available in 60PS and 75PS forms. A 5-speed manual transmission is standard, with a simple and satisfying gear shift operation.
Volkswagen Up
Coming up next on our list of cheapest cars to insure for new drivers today is a model from Volkswagen, VW Up. Volkswagen Up is a direct competitor to Fiat Panda or Peugeot 7 in the European car market. The model is equipped with a high-tech and fuel-efficient engine. It also gets the new generation safety technology, first in the segment.
A brand new Up will be a strategic card of VW AG, Europe’s largest car manufacturer. The car will replace Fox in this market in the compact segment – fuel economy, one of the trends at the moment.
Not only that, but Volkswagen also pinned its hopes on it with its utilitarian design, outstanding safety features, and the most advanced technology in its segment.
According to VW, Up is the world’s first compact car equipped with an automatic braking system. At speeds below 30 km/h, when the laser sensor detects that a collision is imminent, the vehicle is automatically braked.
Regarding the engine, Volkswagen has equipped this model with a new generation 1 liter engine, 3 cylinders, 60 hp, and 75 hp. The 60-horsepower version is equipped with a new fuel-saving system stop-start with a fuel consumption of 4.2 liters / 100km. The 75-hp version is 4.3 liters/km.
In Europe, the model is sold with the Goat version at 3 prices to meet different needs. But whichever version you get, you’ll benefit from an energy-efficient engine and bargain car insurance.
Kia Picanto
The next competitor in our cheapest cars for new drivers to insure list is the Kia Picanto, a city car with cheap insurance that is perfect for crowded cities. Picanto is a compact vehicle with a convenient design. Along with the youthful look and rich colors, this contributes to the strong point of this car.
Some outstanding details of the car from the outside such as the sunroof, LED tail lights, modern headlights designed with luxurious LED strips, and rearview mirrors with integrated turn signals.
The interior of the car is really modern and comfortable with 4-way adjustable leather seats, a 2-spoke steering wheel with integrated audio control, and an airbag system to ensure safety.
In addition, it is also equipped with an LPGi device that allows users to control information about fuel status and speed to help drivers easily control parameters when participating in traffic.
Kia Picanto is equipped with a 1,243 cm3 I4 engine, a capacity of 87 horsepower at 6,000 rpm, and maximum torque of 121 Nm at 4,000 rpm.
Or, when the car wants to brake suddenly, the ESS system immediately activates flashing lights to signal to other vehicles, the HAC system helps the car not to be slippery when going uphill, and the ABS anti-lock braking system includes the front disc brake. Besides, its fuel consumption is only 5 liters/100km, and the maximum speed is 169 km/h.
In general, this is a car with a youthful design, durable and economical operation, low maintenance costs, and especially can serve your basic needs, from commuting to transporting family every day or sometimes away on weekends.
Ford Fiesta
Ford Fiesta, one of the familiar names in the B-segment car segment will continue our today’s line-up of the cheapest cars to insure for new drivers. Although not popular as Toyota Vios or Honda City, Fiesta is considered a product line worth buying with dynamic and comfortable design.
Low insurance costs and the main engine system are one of the key factors that make drivers choose to buy this car. The old Ford Fiesta hatchback and the old Fiesta sedan are both equipped with a 1.5L engine with a capacity of about 112 horsepower.
In terms of utility, Ford also invested a lot of new technology in this inexpensive car. Right on the old 2014 model, Fiesta has been equipped with many outstanding utilities such as voice control, Bluetooth connection with the phone, and many other ports such as USB or AUX.
Fiesta is also the only car in the B-segment (after 2013) equipped with up to 7 standard airbags. In addition, the company also invested in a lot of new safety technologies in generations from the old 2015 Ford Fiesta onwards.
ABS, EBD, hill start, reverse camera, parking warning, and reverse sensor, these safety technologies help Fiesta owners get maximum support and peace of mind when using the car to circulate on the road.
Skoda Fabia
Skoda Fabia gradually became the symbol of the brand after more than 20 years since its launch with huge sales of nearly 5 million units globally. In the new generation, Fabia has been upgraded in terms of technology, safety, and style.
Skoda Fabia has a very modern front-end design and eye-catching refined edges. In the high-end version of Fabia, there is also a front sensor, a chrome-plated grille with a sporty, luxurious look, a small design headlight, using Bi-halogen technology, low-position fog lights, using halogen technology.
Overall, the Skoda Fabia’s bodywork is very sturdy with a body weight of 1079 kg. Soft veins on the body make the car stronger, Fabia lacings range in size from 15 to 17 inches, depending on the version.
Skoda Fabia’s interior compartment is arranged harmoniously, the seats use felt material, a new 2-spoke steering wheel, and integrated many hands-free buttons.
With spacious rear seats and rear seat air vents, this design is very impressive. The rear seats can be folded 40:60, creating a significantly larger luggage compartment, the trunk is deep and wide for the A-segment segment, and Fabia has a rather large trunk.
The Škoda Fabia features a top-of-the-line 1.5 TSI engine block with 150 PS, plasma-coated cylinders, and 350 bar high injection pressure; it also features active cylinder technology (ACT). When the engine load is low, the system automatically deactivates the two cylinders, reducing fuel consumption and CO2 emissions.
Kia Rio
Referring to Kia Rio, people often talk about a car that is not too prominent in appearance but can create accents through small details and quite impressive interior space.
Notable points of the exterior can be mentioned as the front of the car has many angular cubic details with a characteristic tiger nose. Halogen headlights, although not equipped with projector mirror balls, the outstanding daytime LED strip has partly compensated for this shortcoming.
For the interior, the Kia Rio is more appreciated without too many highlights. The space in the car is considered to be quite large and comfortable.
Other prominent parts of the Kia Rio interior can be mentioned as the seats and steering wheel covering with high-quality leather, and the glossy tape is monolithic with durable hard plastic.
Equipped with a 1.4L gamma engine with a maximum capacity of 107 horsepower, this engine is not inferior to others. At low speeds, the car operates smoothly, without much noise when moving.
In terms of safety equipment, Kia Rio is equipped with ABS brakes, EBD electronic brake force distribution system, front disc brakes, rear drums, and 2 airbags for the front seats.
When compared to other competitors in the same segment such as Toyota Vios, Honda City, or Mazda 2, the old Kia Rio has a more affordable body and insurance price. It has a reasonable price and worth considering when you are not too comfortable in finance.
Nissan Micra
Nissan Micra is in the same segment as Toyota Yaris, Mazda2, or Honda Jazz. However, compared to the competitors, Nissan Micra may be the least popular. However, being one of the cheapest cars to insure for new drivers, it is also worth taking a look.
Nissan Micra has a rounded shape from the outside to the inside, from the air vents, the steering wheel to the gear lever handle. In return, the car’s space is spacious and comfortable for a driver with a height of 1.8 m.
The engine of the Nissan Micra is a 1.2 liter I4 (4 cylinders in line) with a capacity of 76 horsepower at 6,000 rpm and maximum torque of 104 Nm at 4,000 rpm.
The small engine that is matched with the continuously variable transmission of the Nissan Micra is quite similar to the configuration of today’s urban cars such as the Mitsubishi Mirage or Suzuki Swift.
Born for the street, the Nissan Micra has a turning radius of only 4.3 m, making this car perfectly suitable for female drivers in the city.
MG3
Compact design, a powerful engine, flexible operation, and a competitive price, the MG3 model from the UK will be a good cheap choice among the cheapest cars to insure for new drivers.
Inspired by the MG Zero concept that appeared at the 2010 Beijing Motor Show, the MG3 is the work of the design and engineering team at MG Birmingham headquarters in Longbridge (UK).
At first glance, the MG3 carries the typical qualities of British models such as a square design, and no-frills interior. The car has a design with a luxurious and elegant style.
The interior of MG3 is classically inspired and has an iStyle style. Multi-function real-time information display. The 3-spoke MG3 steering wheel is neatly designed, with a volume knob on the left and cruise control.
Regarding the safety system, the MG3 uses disc brakes in front of the radiator and drum brakes at the rear. The car has 2 front airbags, along with advanced safety equipment such as anti-lock braking (ABS), electronic brake force distribution (EBD), and emergency brake support (BA).
MG3 comes with a 1.5-liter VTi engine with a maximum capacity of 107 horsepower at 6000 rpm and maximum torque of 135 Nm at 4,500 rpm.
Note:
In the end, to find the cheapest cars to insure for new drivers under 25, the best thing to do is to check how much a particular car you are planning to buy (with registration plate, if possible) costs to get insurance with suppliers or price comparison sites before handing over your money.
You may also find cars with cheap insurance to buy if you’re looking for older models rather than brand-new ones. Another thing to keep in mind is that a shortage of semiconductor computer chips, which means automakers often mass-produce vehicles equipped with devices rather than offer low-end models without them.
Buying Car Insurance: Experience To Save Money To The Utmost
To officially own a car, car buyers have to spend a large amount of money on the car cost, taxes, rolling fees, and insurance. So how to buy car insurance with maximum efficiency to minimize costs?
In general, many buyers prefer things with good and cheap prices. So they often choose a comprehensive insurance package or an insurance package that costs less than a few full packages.
One piece of advice for first-time car owners is it is necessary to base on your financial situation and your travel environment to choose the right insurance package.
For low- and medium-value cars, drivers can consider body and water damage insurance. For luxury cars, you can head to additional parts theft insurance. Besides, what car owners need to pay more attention to when considering which auto insurance to buy is the deductible.
The deductible is usually the amount the customer shares the risk with the insurer in each loss. On the customer side, most want to buy auto insurance with no deductible, as any smallest loss can be claimed by the insurance company.
This is the common psyche of many customers buying auto insurance. But it is also an important thing that cannot be ignored. Because customers will receive a significant reduction in premiums compared to not choosing a typical deductible (maybe up to 30-40% of the total fee).
Therefore, the consideration of whether or not to pay the normal fee and how to pay it is also a problem for car owners.
In the end, when considering which auto insurance to buy and deciding to get voluntary insurance for cars, car owners should base themselves on many aspects: financial issues, travel environment, driving ability, and intended use to choose the appropriate car insurance. Avoid losing money by buying the wrong insurance that is not suitable for you.
Conclusion
We have just scrolled through one selective list of the cheapest cars to insure for new drivers and some notices when choosing or purchasing auto insurance for inexperienced people.
Hope this piece of information will help you make a good choice for your next suitable-insured first car. For more car maintenance tips, follow Car From Japan today.
