Top 10 Cheapest Cars to Insure for 17-Year-Olds in the UK (2026 Edition)
Car insurance for 17-year-olds in the UK is still one of the biggest financial hurdles for new drivers. Even in 2026, average first-year premiums can easily exceed the value of the car itself. That’s why selecting from the Top 10 Cheapest Cars to Insure for 17-Year-Olds in the UK (2026 Edition) can make a dramatic difference.
Insurers base premiums on factors like insurance group, engine size, safety ratings, repair costs, and theft risk. Choosing a car specifically known for low insurance groups can save thousands of pounds in the first few years of driving.
This guide breaks down the most affordable cars to insure, explains why they’re cheap, and offers expert tips to keep insurance costs as low as possible.
How Insurance Groups Work in the UK
Before jumping into the list, it’s important to understand insurance groups.
UK cars are ranked from Group 1 (cheapest) to Group 50 (most expensive). Group ratings are based on:
Repair costs
Performance and acceleration
Parts availability
Theft risk
Cars in Groups 1–6 are typically the cheapest to insure for 17-year-olds, especially when paired with black box insurance.
Top 10 Cheapest Cars to Insure for 17-Year-Olds in the UK (2026 Edition)
1. Volkswagen Up!
Insurance Group: 1–3
Engine sizes: 1.0L
Why it’s cheap: Excellent safety tech, low repair costs
Compact, efficient, and reliable, the Up! remains one of the most affordable first cars to insure.
2. Skoda Citigo
Insurance Group: 1–4
Engine sizes: 1.0L
Why it’s cheap: Shared parts reduce repair costs
Nearly identical mechanically to the Up!, the Citigo is a favourite among insurers.
3. SEAT Mii
Insurance Group: 1–4
Engine sizes: 1.0L
Why it’s cheap: Lightweight design and strong safety rating
Ideal for city driving and learner-friendly.
4. Hyundai i10
Insurance Group: 1–6
Engine sizes: 1.0L
Why it’s cheap: Reliability and low claim rates
A practical, modern hatchback with affordable ownership costs.
5. Kia Picanto
Insurance Group: 2–6
Engine sizes: 1.0L
Why it’s cheap: Strong safety features and low theft risk
The Picanto combines style with budget-friendly insurance.
6. Toyota Aygo
Insurance Group: 2–6
Engine sizes: 1.0L
Why it’s cheap: Proven reliability and low accident statistics
Toyota’s reputation helps keep premiums down.
7. Peugeot 108
Insurance Group: 2–6
Engine sizes: 1.0L
Why it’s cheap: Low running costs and simple mechanics
A popular first car with excellent fuel economy.
8. Citroën C1
Insurance Group: 2–6
Engine sizes: 1.0L
Why it’s cheap: Affordable repairs and low emissions
Often cheaper to insure than larger superminis.
9. Dacia Sandero
Insurance Group: 3–7
Engine sizes: 1.0L
Why it’s cheap: Low car value and simple design
One of the cheapest new cars in the UK, which insurers love.
10. Fiat Panda
Insurance Group: 3–9
Engine sizes: 1.0L
Why it’s cheap: High safety scores and low mileage claims
A slightly higher group, but still excellent value for teens.
Insurance Cost Comparison Table (Estimated 2026)
| Car Model | Avg Insurance Group | Est. Annual Premium* |
|---|---|---|
| VW Up! | 1–3 | £900–£1,300 |
| Skoda Citigo | 1–4 | £950–£1,350 |
| Hyundai i10 | 1–6 | £1,000–£1,450 |
| Kia Picanto | 2–6 | £1,050–£1,500 |
| Toyota Aygo | 2–6 | £1,000–£1,400 |
*Estimates assume black box insurance, average postcode, and no claims.
Why These Cars Keep Insurance Low
Cars featured in the Top 10 Cheapest Cars to Insure for 17-Year-Olds in the UK (2026 Edition) share common traits:
Small engines (1.0L or less)
Low horsepower
Excellent safety features
Cheap parts and repairs
Lower accident statistics
Avoiding sporty trims or turbocharged versions is crucial.
Tips to Reduce Insurance Even Further
Smart Ways to Save
Choose black box (telematics) insurance
Add an experienced named driver
Avoid modifications
Pay annually instead of monthly
Park off-road if possible
Even the cheapest car can become expensive if poorly insured.
Cars 17-Year-Olds Should Avoid
To keep insurance affordable, avoid:
Hot hatchbacks (e.g. GTI, ST models)
Large engines (1.4L+)
Premium brands
Modified vehicles
These cars can double or even triple premiums.
FAQs: Cheapest Cars to Insure for 17-Year-Olds
1. What is the cheapest car to insure for a 17-year-old in 2026?
Cars in insurance group 1, such as the VW Up! or Skoda Citigo.
2. Does car value affect insurance?
Yes. Lower-value cars usually cost less to insure.
3. Is black box insurance worth it?
Absolutely. It can reduce premiums by 30–60%.
4. Are electric cars cheap to insure for teens?
Not usually, due to high repair costs.
5. Do safety features reduce insurance?
Yes. ABS, lane assist, and autonomous braking help lower premiums.
6. Can parents’ cars be cheaper to insure?
Sometimes, but larger engines often cancel out the benefit.
Final Thoughts: Choosing the Right First Car
Selecting from the Top 10 Cheapest Cars to Insure for 17-Year-Olds in the UK (2026 Edition) is one of the smartest financial decisions a new driver can make. The right car can cut insurance costs in half, build a clean driving record, and make the first year of driving far less stressful.
Focus on safety, simplicity, and insurance group—not style or speed. Your wallet will thank you.
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