Car insurance costs are a major hurdle for young drivers in the UK. Fortunately, the RAC has identified the most affordable new vehicles to insure in 2025—vital knowledge for those under 25 facing sky-high premiums.
Car insurance costs are a major hurdle for young drivers in the UK. Fortunately, the RAC has identified the most affordable new vehicles to insure in 2025—vital knowledge for those under 25 facing sky-high premiums.
Younger drivers pay more for car insurance due to higher perceived risk. In fact, 44% of drivers aged 17–24 cite insurance costs as their top driving concern, according to the RAC.
Insurance premiums are influenced by several factors. Low engine power, strong safety ratings, affordable repair costs, and reduced theft risk all contribute to lower rates—making some models ideal for new drivers.
This small hatchback is a consistent favorite for first-time drivers. Its low insurance group rating and economical engine make it ideal for keeping premiums manageable.
The Polo’s solid safety record and fuel-efficient engines contribute to its low insurance group status. It also boasts a sturdy build, making it attractive for cautious newcomers.
Known for reliability and value, the Fabia offers low running costs and a calm driving experience—exactly what insurers like to see when calculating quotes.
The Picanto’s compact design and minimal repair costs make it a top choice for new drivers. It falls into one of the lowest insurance groups for 2025.
Designed for city driving, the Aygo X has a modest engine and modern safety tech, helping to keep insurance costs low while still feeling stylish and functional.
Though larger than others on this list, the Caddy MPV earns a spot thanks to its low-power engine and van-like safety credentials. It’s great for those needing more space.
Its retro appeal is matched by its practicality. The Fiat 500 offers low insurance group placement and affordable parts, keeping repair and coverage costs down.
The Sandero’s low sticker price and unassuming engine specs contribute to its position as one of the cheapest cars to insure. It’s a standout for value-conscious buyers.
The Clio balances performance and efficiency with solid safety scores. Its mid-sized frame doesn’t hurt premiums, thanks to features that reassure insurers.
As one of the few compact SUVs to remain affordable to insure, the Arona offers a higher driving position without the high premiums—ideal for style-conscious new drivers.
This article is made and published by Asger Risom, which may have used AI in the preparation
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