Sports Car With Low Insurance – Insurance can be a big expense associated with owning a car – especially if you’re a new driver or a statistically at-risk young person. The amount you pay for car insurance depends on two main factors: your driving history and the price and performance of the car.
Factors that determine whether an insurance company wants to pay you include your age, how long you’ve had your license and any demerit points or convictions you’ve received are taken into account when the insurance provider calculates your premium.
Sports Car With Low Insurance
All cars are classified into car insurance groups, ranging from one to 50, mainly based on cost. The cheapest cars in the lower insurance group are the cheapest to insure, while the more expensive models in the 50 or so group are among the most expensive. However, you shouldn’t judge a car based on its insurance group alone, as many other factors can affect insurance rates, so it’s best to get quotes on several models before you take the plunge. And remember that a brand new car deal can save you more money than spending more on cheap car insurance.
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Below you will find a list of vehicles with lower insurance groups. They’re not all small boxes either – there are some superminis and even compact SUVs that fall into this category. Click below to read their personal opinion from our team of trusted experts or scroll down to read more about their insurance group.
The Volkswagen Polo is comfortable, luxurious and has a cabin full of well-chosen soft materials that give it the feel of a big car. Every Polo also comes with a touchscreen-based infotainment system. The Polo models that qualify for lower insurance are those fitted with the 1.0-litre petrol engine, which is fine if all your driving is around town: however, if you regularly drive on motorways or A-speed roads, you might be better off. swallow the extra cost and go for the bigger engine variant.
The Hyundai i10 is a well-designed hatchback with standard equipment including air conditioning and electric windows, even on the base SE model. A touchscreen infotainment system is also available on the standard i10 trim level. There’s enough wardrobe space (just) for four adults, and the boot is big enough for a Sunday shop at the supermarket. Its compact size and light control mean the i10 is perfectly at home in the city and in dirty car parks. However, you have to use the 67 hp engine very hard to keep up with traffic – that’s why such models are in the lowest category of insurance.
The Volkswagen Up is now obsolete and only available to buy used or through a dealer, but like veteran sports stars still at the top of their game, it’s a car that still has a lot to offer. . The interior looks simple, but look closely and you’ll see it’s loaded with standard equipment, such as DAB radio, Bluetooth and air conditioning. Smart packaging – the way you use space in your car – means there’s more space inside than you think. Plus, of course it’s a Volkswagen, so the interior quality is impressive for a budget car. A 60hp engine that qualifies for Class 2 Class 2 insurance needs to rev hard to keep up with traffic.
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The Kia Picanto is an excellent choice for anyone looking for a good city car, thanks to its attractive styling options and high level of standard equipment. Step up to the entry level and you’ll find a mid-range car with alloy wheels, Bluetooth and air conditioning. Add higher trim levels and your Picanto also has an easy-to-use touchscreen infotainment system. The 1.0-litre engine is perfectly serviceable for city driving, but can feel troublesome if you’re traveling at motorway speeds and the noise seeps into the cabin: there’s a 100bhp turbo version, but that’ll cost more to insure. All Kia models also come with a seven-year warranty, giving owners peace of mind.
The Dacia Sandero is the most affordable new car available today. There is a large amount of standard equipment on board, including Bluetooth and climate control, while a touchscreen infotainment system can be specified. Dacia has now dropped the entry-level Access Sandero, but the affordable Essential model is in insurance group 4.
The seats in the Ibiza are spacious enough for four adults, with a practical boot of 355 litres. A stylish exterior makes the Ibiza a desirable car to own, along with a fun-to-drive character. All models have a color screen-based infotainment system as standard, along with alloy wheels and a leather steering wheel. The 1.0-litre MPi engine produces just 80bhp, while the modern 100bhp turbocharged 1.0-litre (known as the TSI) is more expensive to insure.
Spend any time inside the Renault Clio and you’ll have to pinch yourself to remember that it can be classified as Group 3 for insurance. The dashboard is smart and compact, while all the materials look premium and well put together. There’s plenty of room up front to be comfortable, but anyone tall who’s had the misfortune of trying to sit in the back won’t be too happy with the space on offer.
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The Škoda Fabia is a car that represents great value for money and offers a real alternative to the Volkswagen Polo. The Fabia has the same equipment and engines as the Polo – built on the same Volkswagen Group base – but at a lower price. The interior is comfortable, but not as well made as the Polo, and easy to navigate.
The standard 80bhp 1.0-litre MPI engine that enters the Group 4 feels a little tired, so if you plan to drive the Fabia on the road, opt for the variant powered by the more modern and powerful TSI engine. Unfortunately. This will put the Fabia right at the top of the insurance pack, but all versions are economy, so whatever you choose will be easy on the wallet.
Although the Kia Rio was recently withdrawn from production, it is still stylish, affordable, and the cabin looks like a more expensive car. Some models remain in dealer stock, or you can buy used models. There are enough trim levels in the range, and all cars have Bluetooth and air conditioning. Mid-spec vehicles and above also come with a touchscreen infotainment system. As with most cars on this list, go for the base engine to get the cheapest insurance, which in the Rio’s case is the 84bhp 1.2-litre unit.
The SUV-style Toyota Aygo X, launched in 2022, has replaced the regular Aygo supermini and brings affordable insurance. Cars with Pure or Edge trim can be found in Group 6, while the higher-spec Exclusive Trim is in Group 7. With a light steering wheel and raised ride height, the Aygo X is a good city companion, with bad looks. speed up to see normal city cars.
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The Nissan Micra variant that used to appear in insurance group 1 is no longer part of the range, but the 92bhp 1.0-litre Acenta model with CVT automatic transmission is available in cheaper insurance group 4 (this increases to 8 if you go, for example with a manual gearbox). Regardless, the Micra is stylish, comfortable and easy to drive, as well as getting good gas and cheap to service. Only recently discontinued, almost new models are easy to find and affordable.
It may not be the most elegant small car, but the MG3 offers plenty of interior space, is very cheap to buy and drive and offers impressive handling. Go for a Discover or Excite model (only one engine option is available, a 1.5-litre petrol) and you’ll also qualify for Group 7 insurance.
The Panda may not have the same instant appeal as the Fiat 500, but it’s still a good car, offering more utility than its design-conscious cousin. The Life trim powered by a 1.0-litre 70bhp petrol engine should be a bargain, given its Group 7 insurance category, as well as the low running costs that smaller Fiats offer owners.
Where the Seat Arona has an edge over many of its SUV rivals is its stylish interior, although it’s worth noting that some materials feel a bit cheap in places. There’s an 8.25-inch infotainment system as standard, though you might want to opt for variants beyond the base version for the upgraded 9.2-inch system. All trim levels are matched with a 1.0 TSI petrol engine, but the range-topping FR and FR Sport variants also have a 1.5 TSI engine as an alternative.
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The Renault Captur looks more elegant than some of its conventional-looking rivals, while the interior has a smarter infotainment system, slimmer design and improved materials. Early stage of evolution