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Cheapest family cars to insure 2022

Family cars are the great all-rounders of the motoring globe. The best ones are affordable, well equipped, good to drive and reliable to run.

It is of import that family unit cars are cheap to insure, besides. Information technology's one of the biggest annual expenses when information technology comes to owning a car, and keeping car insurance costs down ways more than money in the family upkeep.

This is all the more than vital if somebody in your family is learning to drive: choosing one of the cheapest family unit cars to insure volition make the added expense less eye-watering than it could be.

Even so, some cars are cheaper to insure than others. Nosotros take therefore looked across the market and drawn out ten of the cheapest family cars to encompass.

No matter how big your family, these are the cars that will make at least one major approachable as modest equally possible.

Kia Ceed

The Kia Ceed is currently the cheapest family car to insure, with the entry-level 1.0-litre '2' variant offer a highly competitive group 8 (out of 50) rating for insurance. This is impressively depression given the classy Kia'southward recently facelifted advent and generous levels of standard equipment. The turbocharged petrol engine provides adept pulling power, while CO2 emissions of 119g/km are backed upwardly by thrifty 54.3mpg fuel economy. Then there'south Kia'southward super-generous seven-year, 100,000-mile warranty. It ways the Ceed is a cheap family unit car to insure, and also one that's likely to evidence dependable over the longer term.

Read our total Kia Ceed review

Dacia Duster

The Dacia Squeegee is the cheapest family car you lot can buy. Prices start from less than £xv,000, which is around £five,000 cheaper than a comparable family unit hatchback. For this, you go a groovy crossover SUV with the loftier-upwardly seating position so beloved of many drivers. There's also plenty of space inside to conform all the stuff that comes with family life. Interestingly, the SCe 115 4x4 version has the lowest insurance rating: grouping ix in great-value Essential grade. The two-wheel-drive 4x2 version is one insurance group higher, in band 10. Possibly car insurers are rewarding the extra traction and security of the 4x4 with a slightly cheaper premium?

Read our full Dacia Squeegee review

Hyundai i30

The Hyundai i30 is very competitive in terms of automobile insurance, with the 1.0-litre T-GDI 120 version boasting a group 10 insurance rating. For a roomy family unit hatch with a punchy 120hp petrol engine, this is impressive. Even the entry-level SE Connect grade comes with a decent amount of standard equipment – plus, of course, Hyundai'due south five-year, unlimited-mileage warranty. The latest i30 has smart LED headlights and a classy-looking front end grille, for an upmarket appearance. If you prefer an automatic gearbox, the dual-clutch DCT version also falls into the same grouping ten insurance band.

Read our total Hyundai i30 review

Fiat Tipo

The Fiat Tipo was i of the cheapest family cars of all to insure. Earlier 1.4-litre petrol and 1.iii diesel fuel models were ranked in insurance groups as low as half dozen. Nevertheless, since the car's mid-life facelift, Fiat has concentrated the range effectually a one.0-litre turbo petrol engine. This produces a lilliputian more ability, which does enhance the insurance price a footling; it now starts from grouping x. That's still competitive, though, particularly for a good-value and roomy five-door family auto that now has a greater array of standard safety assist tech. You can also go a Tipo Cross variant, with a crossover-fashion makeover for a more rugged appearance.

Read our full Fiat Tipo review

Skoda Scala

The Scala is another bang-up value family automobile from Skoda. Size-wise, it fits in between the smaller Fabia and larger Octavia. Its great and inoffensive lines hide a hard-wearing interior with enough of infinite in the front and rear, plus a actually commodious boot. With the seats up, information technology offers 467 litres of baggage infinite; fold them down and this extends to more than 1,400 litres. A super-refined one.0-litre TSI petrol engine is available in several different power outputs. Pick the entry-level 95hp version and car insurance as low as group 10 will be yours. Just be aware that if you choose the more powerful 110hp version, insurance jumps upwardly three bands to grouping xiii.

Read our full Skoda Scala review

SEAT Leon

The SEAT Leon is a sophisticated and sporty-looking family hatchback, and a slightly racier alternative to the Volkswagen Golf game it is closely related to. Nosotros like the Leon's contemporary experience and find its modern interior very appealing. All-circular space is good and SEAT'southward 'Easymove' pricing strategy ways standard equipment is inclusive. The 1.0-litre TSI 110 petrol engine has a competitive group 11 car insurance rating in SE form, too. Fifty-fifty the more than assertively-styled FR version only falls into group 12. Smart looks and an fifty-fifty ameliorate level of standard kit make the latter our top option.

Read our full SEAT Leon review

Ford Focus

The Focus is a family favourite v-door hatchback. Ford knows how to brand cars that are affordable to run, something that extends to almanac car insurance premiums for the roomy Focus. In 1.0-litre mHEV 125 Trend guise, it has a grouping 12 insurance rating – despite coming as standard with an automatic gearbox that facilitates further fuel saving via a mild hybrid organisation. A power output of 125hp is more than than adequate, while fifty-fifty entry-level Trend class has a proficient array of features. These include a Ford Sync infotainment arrangement with an 8.0-inch touchscreen, plus 16-inch 'designer' steel wheels that expect convincingly like alloys.

Read our total Ford Focus review

Citroen C4

Citroen'due south new v-door family car is a hatchback that has been infused with a little crossover verve. It rides a bit college than a regular machine, and features the tough body cladding we associate with SUVs. It doesn't have an SUV'southward toll tag or running costs, though – which is how the 1.ii-litre turbo petrol version manages a lowly group 13 insurance rating. Citroen as well offers a pure electric model, chosen the e-C4, only this is rather more expensive to insure. Most families volition observe the 1.2-litre C4 a perfect all-rounder, and ane that comes with a reassuring 4-star Euro NCAP safety score.

Read our full Citroen C4 review

Volkswagen Golf

The Volkswagen Golf is a perennial family car favourite. Beyond eight generations, it has served upwardly no-nonsense motoring to the masses, with a little slice of cutting-above premium appeal thrown in for good measure. The famous Golf GTI and R hot hatches are, of course, expensive to insure, but at the other end of the range, the 1.0-litre TSI Life has an insurance group of xiv. A well-equipped and very reliable car, the Golf likewise promises depression running costs and, when y'all come to sell information technology, strong retained values across the line-up should give you a good render on your investment.

Read our total Volkswagen Golf review

Toyota Corolla

The Toyota Corolla is a British-built 5-door hatchback known for its fuel-saving hybrid variants. The cheaper of the 2 Corolla Hybrid models is the ane.8-litre version, which comes with a competitive group 14 insurance rating. For a auto that can travel for a surprising corporeality of the time in pure electric style, this is a praiseworthy accomplishment from Toyota. Indeed, the Corolla is the perfect stepping stone to a plug-in hybrid, or even a pure electric machine. We also honey Toyota's racy new GR Sport grade, which brings hot hatch styling without the running costs.

Read our full Toyota Corolla review

Which is cheaper to insure – a car or an SUV?

SUVs by and large cost more than to insure than regular family unit hatchbacks. They are more than desirable to car thieves, generally cost that bit more than to buy, and they can also exist pricier to repair – all factors that weigh on a car insurance premium. It'southward not a hard-and-fast rule, though, proven here past the Dacia Duster being one of the cheapest cars to insure. Surprisingly, the 4x4 version actually costs less to insure than the 4x2 Duster.

Which is the cheapest family car to run?

Fuel is the biggest everyday motoring toll you volition confront. And then to keep running costs in check, it's worth picking a more economical car. In previous years, this used to mean choosing a diesel, merely the latest turbocharged petrol engines have narrowed the gap – and they are cheaper to buy. Mild hybrid tech is a bit more economical still, while total hybrids such as the Toyota Corolla really do evangelize significant real-earth economy gains, particularly if you lot mainly drive in town.

Which is the cheapest car to insure?

We've listed the cheapest family cars to insure here, just which are the cheapest cars of all to insure? You need to look for ultra-low grouping i and group 2 insurance ratings, which is where vehicles such every bit the Volkswagen Polo, Volkswagen Upward and Skoda Fabia come in. The Ford Fiesta and Renault Clio are too cheap to insure in entry-level guise, as is the Hyundai i10. A rule of pollex to become the cheapest car insurance is to pick a small metropolis car or supermini, and so go for the least powerful engine. Look out for vehicles with a expert corporeality of standard condom assistance tech, too.

Ask HJ

What's the all-time car insurance for a care support worker?

I am a support worker and I need car insurance to acquit my resident/patient to take them out and about. Could you propose me on what I require?

Yous demand business xlass insurance. Any intendance worker who regularly transports patients in their ain motorcar will demand to have out a commercial policy with public and individual hire utilise similar to taxis: https://www.honestjohn.co.uk/insurance/advice-by-job/inexpensive-motorcar-insurance-for-carers-care-workers/

Answered by Dan Powell