First Cars in the Lowest Insurance Groups

These five sit consistently in the lowest UK insurance groups groups 1 to 7, and real budget options exist across the whole range, not just at the very top. For a monthly-cost breakdown of a specific low-group car, see our cheapest cars to insure guide; this page tracks the group-and-price picture as the market moves.

Prices below are current UK asking prices, checked 4 July 2026, not a fixed number: they move with the market. Insurance group and price both depend on the exact registration year and engine, not just the model name, so always confirm both for the specific car you're looking at (see why that is).

1. Volkswagen Polo 1.0L petrol
   2018 to 2021 Asking price: £9,795 to £12,262 Insurance group 1
   £253/mo all in £78/mo fuel £17/mo tax

   The most common group 1 first car, around 58-61mpg combined.

2. Hyundai i10 1.0L petrol
   2017 to 2026 Asking price: £7,924 to £15,134 Insurance group 2
   £252/mo all in £80/mo fuel £17/mo tax

   Around 58-60mpg combined. This group mixes older used examples with nearly-new stock, so the year and price both span a wide range: check the exact registration.

3. Kia Picanto 1.0L petrol
   2016 to 2023 Asking price: £9,499 to £12,499 Insurance group 2
   £234/mo all in £76/mo fuel £2/mo tax

   Among the most fuel-efficient in this group, up to 64mpg combined on some trims, and the cheapest to run of this five.

4. Toyota Aygo 1.0L petrol
   2009 to 2014 Asking price: £2,844 to £4,695 Insurance group 3
   £232/mo all in £73/mo fuel £2/mo tax

   The cheapest to buy of this group, around 60-65mpg combined.

5. Ford Fiesta 1.25L petrol Zetec
   2012 to 2017 Asking price: £3,995 to £6,291 Insurance group 7
   £281/mo all in £88/mo fuel £14/mo tax

   The most common low-group Fiesta spec: other Fiesta engines and years run as high as group 28, so check the exact registration before assuming group 7.

Prices and insurance groups checked 4 July 2026.