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Cheapest cars to insure for 17-year-olds

Read Cars logo Read Cars 09/05/2016 Gareth Herincx
© Citroen

Passing the driving test and buying a first car should be one of the happiest times for a young person. Instead, the cards are stacked up against drivers aged 17-25.

The costs of running a car are more likely to exceed the initial purchase price, especially if you’re buying used. Fuel, servicing and repairs, and road tax are bad enough, but it’s insurance that’s likely to be the hardest blow.

Young drivers pay the highest price for their insurance, and according to the latest AA British Insurance Premium Index, they also suffered the largest average increase of any age range during the first quarter of 2016.

While 40-49s saw a fall of 0.6% (down to £443.92), average shop-around premiums for drivers aged 17-22 went up 2.1% to £1,270.89.

The cruelty doesn’t stop there because the cheapest cars for teenage motorists aren’t necessarily the ones they want to drive.

There are 50 insurance groups and young drivers have little option but to start with vehicles in the lowest three groups which tend to be city cars and super-minis with small engines.

The good news is that these days new small cars are not all frumpy and gutless – many look smart, most gained a maximum five stars n Euro NCAP crash safety tests, while their engines may be small, but they’re pretty punchy too.

We’ve created two Top 10s to help you choose the cheapest car to insure. If you’re in the market for a new car, here are 10 of the best from Insurance Groups 1-3.

There’s also a selection of 10 good used cars with low insurance groups, good examples of which are available for as little as £2,500 in some cases.

Second-hand cars in this sector can represent great value for money, while a 2015 report by Warranty Direct revealed that the 2005-2014 Peugeot 107 is the most reliable “student car”, taking into account frequency of problems and average costs to fix them.

The 107 and its near identical sister car, the Citroen C1, were placed highly after recording not a single engine failure in any of the cars covered by Warranty Direct.

Ford KA © Provided by Fresh Press Media Ford KA

10 of the cheapest new cars to insure for new drivers

  • Seat Mii S 1.0 – £8,440
  • Skoda Citigo S 1.0 MPI – £8,275
  • Hyundai i10 1.0 S – £8,995
  • Volkswagen Up 1.0 – £8,945
  • Dacia Sandero Access 1.2 16v – £5,995
  • Renault Twingo 1.0 Expression Sce – £9,495
  • Vauxhall Corsa Expression 1.0i 12v ecoFLEX – £9,595
  • Kia Picanto 1 1.0 – £8,345
  • Peugeot 108 Access 1.0 – £8,495
  • Skoda Fabia S 1.0 – £10,750
Peugeot © Provided by Fresh Press Media Peugeot

10 of the cheapest used cars to insure for new drivers

  • Peugeot 107/Citroen C1 (2005-14)
  • Ford KA (1996-2008 & 2009 onwards)
  • Vauxhall Corsa (2006-09)
  • Toyota Yaris (2006-11)
  • Suzuki Swift (2005-11)
  • Ford Fiesta (2002-2008 & 2008 onwards)
  • SEAT Ibiza (2008 onwards)
  • Fiat 500 (2008 onwards)
  • Mazda2 (2007-15)
  • VW Polo (2002-9 & 2009 onwards)

How to reduce your car insurance

Before you even buy your first car, it’s also worth noting a few tips to keep your motor insurance premium down.

1. Choose your level of cover carefully

If you couldn’t afford to replace your car in the event of a loss, then go for the highest level of cover which is comprehensive insurance. However, if you have a high compulsory excess (the amount you have to pay in the event of a claim) and your car isn’t worth much, you might be better off with third party insurance.

2. Lower your insurance risk

Drive safely – prove to an insurer that you are not a high risk by staying accident-free, making no claims and avoiding points your licence. You should find that when you come to renew, you premiums will start to fall. As we’ve already said, drive a car in a low insurance group without any customisation such as a tuned engine or bigger wheels and drive less. Yes, opt for a lower annual mileage (eg 6,000 miles per year) and you premium will go down.

Seat Mii © Provided by Fresh Press Media Seat Mii

3. Push down the cost

There are a few things to try in order to lower your premium. For instance, get your name put on the policy of somebody else (a parent or sibling) as their second driver to benefit from named driver no claims discount. Just make sure they are aged over 25 with a good driving record. Also raise your voluntary excess. However,

this means you have to pay more in the event of a claim. Finally, consider have a so-called ‘black box’ fitted to your car. It will record your driving habits and give the insurance company an indication of whether you are a good driver or not.

4. Shop around

Go online and get some quotes to compare. The more time you put in, the more likely you are to get better cover and a cheaper price.

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