Getting your first car is exciting, but the insurance quote can be a shock. That car you thought was a bargain might not seem so affordable after all.
It’s common to find a car at a good price, only to discover the insurance costs much more than you expected. Many new drivers are surprised by how expensive it is to keep driving.
The good news is you can save money by choosing a car in insurance group 1. These cars are usually the cheapest to insure and can help you save while you gain experience. Here’s our guide to the best group 1 cars for new drivers.
What is insurance group 1?
Buying your first car is exciting, and you probably have a few models in mind. But, even if you find your dream car at a good price, you need to think about the ongoing cost of insurance. Choosing a car in insurance group 1 is one of the best ways to keep your costs low, as these cars are usually the cheapest to insure.
In the UK, car insurance is divided into groups from 1 to 50. Group 1 is the cheapest, and group 50 is the most expensive. Cars are put into groups based on several factors, such as:
- The car’s original value
- Engine size and performance
- Cost of repairs and replacement parts
- Safety features
- Security systems such as alarms and immobilisers
Cars in group 1 are usually small, have less powerful engines, and are cheap to repair. This makes them less risky for insurers, and they subsequently quote less to insure them. That’s why these cars are popular with learners and new drivers, who often pay high monthly or yearly premiums for insurance because they have less experience.
Cars in insurance group 1
Every car model is put into an insurance group based on different factors. The groups go from 1 to 50, and group 1 cars are the cheapest to insure. Most group 1 cars are simple and reliable, with small engines and fewer parts that could break. This keeps repair and insurance costs low, making them great first cars.
Some people think first cars won’t have style or features, but that’s not always true. Many modern group 1 cars have good design, useful technology, and are affordable.
You might also see cars listed as 1A or 1E. The number shows the insurance group, while the letter reflects the car’s security level. An A rating indicates that the car has standard security features like an alarm or immobiliser, while E indicates enhanced security. Although the impact is small, better security can help reduce insurance costs slightly as the car is seen as lower risk.
If you’re worried about high insurance costs or planning for your first car, here are some of the most common group 1 cars in the UK:
- Citroën C1
- Kia Picanto
- Hyundai i10
- Toyota Aygo
- Peugeot 108
- SEAT Mii
- Ford Ka+ (some entry-level versions)
- Volkswagen Up!
Note: Not every version of these cars is in group 1. Engine size, trim, and extra features can change the insurance group, so always check before you buy.
Your insurance cost also depends on things like your age, where you live, your driving history, and the type of cover you pick.
Citroën C1
The Citroën C1 is a popular pick for new drivers who want a car that’s affordable as well as reliable. It’s small and easy to drive, making it great for building confidence on busy roads or parking in tight spots. Even though it’s compact, it’s still comfortable to drive.
Many versions have useful features like Bluetooth, a touchscreen, and, in newer models, a reversing camera.
Thanks to its small engine and low running costs, some Citroën C1 models are in insurance group 1, making them a good choice for learners.
Photo credit to Arnold Clark.
Kia Picanto
The Kia Picanto is a great choice for learners who want a car that’s easy to drive, economical, and comes with good features.
It’s small but feels stable on the road, making it a solid all-round car for new drivers.
Features often include a touchscreen, Bluetooth, and a strong warranty from the manufacturer.
Some versions of the Kia Picanto are in insurance group 1. We have driving instructors in Andover, Birmingham and other areas who teach in this car. If you would like to get to grips with this model by taking driving lessons in it, let us know.
Hyundai i10
The Hyundai i10 is known as one of the most reliable and practical first cars you can get.
It has a bit more space inside than most city cars, so it’s comfortable for both short and long trips, and still easy to drive.
Some Hyundai i10 models are in insurance group 1, and Most models come with air conditioning, USB ports, and helpful safety features.
We have driving instructors in Bournemouth and other areas who offer driving lessons in Hyundai i10 vehicles, so if you wish to learn to drive in one, simply contact us to book in.
Photo credit to Evans Halshaw.
Toyota Aygo
The Toyota Aygo is a popular first car that mixes low running costs with a fun, unique design.
It’s small and easy to drive, which is perfect for learners trying out different roads. The light steering and good visibility help you feel more confident.
Depending on the model, you might get features like a touchscreen and a reversing camera.
Some entry-level Toyota Aygo models are in insurance group 1. We offer driving lessons in Aylesbury and other areas in this car, so if you would like to learn to drive in a Toyota Aygo, get in touch.
Peugeot 108
The Peugeot 108 is a small, fuel-efficient car that’s popular with new drivers who want something modern but affordable to run. Some versions are in insurance group 1.
It’s light and easy to drive, which makes it great for city driving and learning skills like parking and positioning.
Many versions have touchscreen displays, Bluetooth, and options to personalise your car.
SEAT Mii
The SEAT Mii is a simple and practical city car, perfect for learners who want something easy to drive and cheap to run.
Its small size makes it easy to get through tight streets and park, and the light controls help you feel confident. It’s also practical for daily use.
Depending on the model, you might get features like smartphone integration and air conditioning.
Because it has a small engine and is cheap to fix, some SEAT Mii models are in insurance group 1.
Photo credit to Stone Acre.
Ford Ka+
Ford is known for making reliable and affordable cars, and the Ka+ gives you a bit more space than most small city cars.
It’s easy to drive, with simple controls that are great for beginners. The extra space inside also makes it more comfortable for longer trips.
Features often include air conditioning, Bluetooth, and five doors for extra convenience.
Some entry-level Ford Ka+ models are in lower insurance groups, including group 1.
Photo credit to Mega Autos.
Volkswagen Up!
The Volkswagen Up! is often seen as one of the best all-round first cars, with a good mix of simplicity, quality, and low running costs.
It’s small and easy to handle, which is great for learners building confidence. Even though it’s compact, it feels sturdy and well-made.
Many models come with features like air conditioning and smartphone connectivity.
Entry-level Volkswagen Up! models are often in insurance group 1.
Photo credit to Car Buyer.
What will be your first car?
Your first car is just the beginning of your driving journey. Even though insurance costs can seem high, there are plenty of ways to bring the price down.
Picking a car that’s affordable and easy to handle helps you build confidence and enjoy driving without stressing about costs. Many people start with a basic car with a small engine, then save up for a nicer car later when their insurance is cheaper.
Start with a smart choice, gain some experience, and soon you’ll be ready for the next car you want.
Written by Anthony Johnson
Grade A - 51/51
ORDIT Registered Trainer
