What car insurance is the cheapest for a teenager

there is no escape: when you buy your first car, the cost is important. Even beyond the purchase price, you have to weigh fuel economy, maintenance and, of course, insurance.

And for teens, unfortunately, insurance is expensive. new young drivers are statistically more likely to be in an accident than those with more experience, which means premiums are high.

Reading: What car insurance is the cheapest for a teenager

One of the best ways to keep costs down is to choose the right vehicle. To help, we’ve compiled this list of the best first cars for teens if low-cost insurance is your main requirement. These cars can be insured cheaply by us, whether you’re still learning to drive or have recently passed, give us a call to get our best quotes.

fiat 500

Fiat 500 with learner driver plates parked outside with trees in the background

the fiat 500 is a staple for many teenage drivers. This Italian retro car has plenty of style, but don’t worry, there’s also substance. Introduced in 2008 and refreshed in 2016, the Fiat 500 has won numerous awards for its performance, including European Car of the Year. fun to drive and affordable, the 500 is the best choice for teen drivers.

In terms of value for money, as well as offering affordable insurance, the car tends to hold its value. It may not be the cheapest on the market, but when it’s time for an upgrade, you have a good chance of getting a lot of your money back.

peugeot 107

the peugeot 107 is no longer available as new (they stopped making them in 2014), but it’s still a great little car around town. prices are cheap second-hand, and you’ll save big on insurance, too.

A natural choice for novice drivers, this car is easy to control, with excellent handling, making it ideal if you’ve just passed your test and are starting to drive on your own for the first time. It also has excellent fuel economy: the 1.0-litre three-cylinder engine delivers 65.6 mpg with co2 emissions of just 99 g/km. note that the variant with automatic gearbox raises the figure to 62.7 mpg and 104 g/km.

renault clio

the renault clio is a great car for teenagers as it is small and easy to maneuver. light steering and a 360-degree surround-view camera system make parallel parking a breeze, while the firmer suspension offers a sportier feel.

Though small on the outside, the car feels roomier than some of its competitors, and the technology on offer sets it apart too: the vehicle features pedestrian and cyclist detection, as well as a touchscreen navigation.


Not only is this car cheap to insure, it’s also very affordable to buy, with used car prices starting at £2000. Because of its affordability and practicality, we even featured the Clio on our list of the best cars for new drivers.

ford ka

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While the ka can no longer be bought new as it went out of production in 2016, it is a reliable vehicle to buy second hand and could set you back around £2,000.

The compact size of the ka makes it the ideal car for the city and it can also offer impressive handling, ideal for more rural driving. the suspension strikes an ideal balance, being soft enough for comfort but firm enough to keep the car fun. it’s also cheap to run! the mk2 model, launched between 2008 and 2016, offers 57.7 mpg in terms of fuel efficiency.

volkswagen up!

volkswagen up! it is popular with teenage drivers. the car is reliable and can be relied on for years to come, perfect for a potential first car. the vehicle is also compact and the suspension makes it comfortable to drive. despite being small, visibility is surprisingly clear.

The vehicle comes in a range of colours, is easy to connect to your smartphone and is the cheapest in the German manufacturer’s range. not to mention, the up! it is also in the lowest insurance group.

citroën c1

The citroen c1 is a hit with teens as it’s stylish, fun to drive and easy to use. The French automaker describes the c1 as “designed for the city” and the 5-door is slightly roomier than some of its competitors.

The 1.0-litre petrol engine can achieve 106g/km CO2 emissions while delivering 72mpg. the c1 has also topped the charts for its low failure rate compared to other small car classes, another reason it’s a great choice for a teenager.

volkswagen polo shirt

the polo is the second volkswagen to appear on the list, and it’s even cheaper to insure than the first.

The Polo has been around since 1975, so there are plenty of pre-owned models to choose from in addition to the latest Volkswagen release. Whichever model you choose, it’s likely to be roomy – the polo stands out for its roominess, especially in recent years. Not only that, but the car is comfortable and easy to drive, due to its lightweight suspension and steering.

nissan micra

the nissan micra is a stylish car with impressive qualities to match. surprisingly comfortable given its small size and easy to drive with smooth steering, the micra is a great choice for teens.

Latest models also feature a range of smart technologies to enhance safety and connectivity, including the manufacturer’s Smart Mobility and an easy-to-use touch screen. Fortunately, the vehicle doesn’t come with the high price tag that often comes with these features.

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Car insurance falls into insurance group 1e, the lowest possible bracket, which means premiums should be relatively low.

Škoda citigo

another discontinued car, the Škoda citigo ceased production in 2019. comparable to the volkswagen up!, the citigo is a compact vehicle suitable for driving around town and beyond.

This pocket rocket has some of the same offerings as its larger competitor, all in a smaller size and with impressive handling, desirable comfort and a fun-to-drive experience. You can also select between 3 or 5 door models, depending on your preferences.

citigo enters the first insurance group, which makes it one of the cheapest cars to insure on the market.

vauxhall corsa

The Vauxhall Corsa is a classic choice for teenage drivers, and since it’s been in production since 1982, you should easily find a used one.

While newer models feature the latest technology, like a rearview camera, much of what makes the corsa special has remained constant over the years. the car is comfortable but fun to drive, as well as spacious. reviews consistently praise it for its value for money – ideal for cash-strapped teens.

cheap classic cars to insure for 17 year olds

Grey Land Rover Defender on a white background

They may not have bluetooth, auto lights, or even power windows, but classic cars have loads of character and low insurance premiums, making them the best cars for new drivers. At Adrian Flux we say the older the better when it comes to affordable policies for teen drivers – we’re pretty good at insuring classics too!

These are some of the cheapest classic cars to insure:

  • toyota mr2
  • bmw z3
  • ford fiesta mk1
  • renault 5 mk1
  • land rover defender.
  • tips to reduce your monthly insurance costs

    If you’re a teen driver trying to hit the road, there’s a lot more you can do to lower your premium:

    • Install a black box, which feeds daily information like good driving and mileage, to save money on your second year’s premium. read more about adrian flux’s flux scoring black box policy.
    • Buy a limited mileage policy if you can commit to driving less than 1,500, 3,000 or 5,000 miles a year.
    • Join a car owners club to lower your premium by up to 15%.
    • Keep your car in a safe place, like a garage or driveway, and upgrade its security features, like installing an alarm to reduce the risk of theft and keep costs down.
    • add a parent with driving experience to the policy to lower your premium even more.
    • Call us for a beginner or young driver insurance quote.

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