MOTORING experts have released a list of the top ten cheapest family cars to insure – along with top tips to keep your insurance costs down.
The most affordable family car will cost you an average of £307 to insure a year – saving families hundreds as research reveals the average cost is £529.
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According to analysis of over 5 million motor customers by Admiral Car Insurance, the cheapest family car to insure is the Ford Puma.
The second cheapest family car behind the Puma is the Volkswagen Up! which will only set you back £308 a year on average to insure.
Experts also rank this set of wheels as the best option for first-time drivers.
Although the Up! has an average annual premium of £711 for 17-year-olds, it’s the cheapest deal for youngsters.
The Škoda Karoq comes in at third on the list of cheapest family cars, costing a slightly higher £319 a year to insure.
Another Škoda, the Kamiq, also made the top ten, winning sixth position thanks to its roominess and comfort.
The family car will cost you £336 to insure for the year.
Other trendy options include the Mini Clubman, which features in fourth spot at an average annual premium of £322.
Rounding off the top five is the Dacia Duster which will cost you £331 per year to insure.
As well as releasing this list, experts have revealed their top tips to help keep insurance costs down for families.
Clare Egan, Admiral’s Head of Motor, said: “There are things that drivers can do to help keep insurance costs down, such as considering the type of car that they drive and how they drive it.
“Getting points on your licence or a driving conviction will increase the price you pay.
“And while it might be tempting to try and change your personal details to get a better price, drivers do need to be honest and make sure we have the correct information for them otherwise their cover could be affected.”
Less experienced drivers will also face higher fees for insurance as they’re at more risk of an accident.
10 cheapest family cars to insure
Prices per year
- Ford Puma – £307.42
- Volkswagen Up! – £308.02
- Škoda Karoq – £319.06
- Mini Clubman – £322.58
- Dacia Duster – £331.48
- Škoda Kamiq – £336.45
- MG ZS – £338.88
- Volkswagen T-Roc – £340.03
- Seat Arona – £341.81
- Suzuki Vitara – £345.90
After the VW Up! which is the cheapest car for 17-year-olds to insure, the Skoda Citigo comes out on top for 17–25-year-olds with premiums at an average of £473.
Clare added: “Pricing is dynamic and a wide range of factors are taken into consideration to calculate a price based on the risk someone presents to us.
Prices will vary from customer to customer
Clare Egan
“These don’t work in isolation but are assessed together to work out the likelihood of the customer making a claim in future. As a result, prices will vary from customer to customer.
“Age is one of the pricing factors and it can be expensive for a young person to get on the road as our index shows.
“The reason younger drivers pay more for their insurance is because they are more likely to have an accident than older drivers and the accidents they have are more expensive too.
“One of the most effective methods for lowering insurance costs for young drivers is telematics or black box insurance.
“These small devices measure how you drive and reward safe drivers with discounted insurance.”
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