The front exterior of a Volkswagen Polo

Best group 1 insurance used cars

If you want to keep your car insurance premiums as affordable as possible you’ll need a car with the lowest insurance group rating. To help you choose we’ve gathered together the eight best used cars that fall into insurance group 1.

If you’re a young driver looking for your first car or simply want to reduce your running costs, the good news is that there are lots of great used cars out there that are cheap to insure. 

Here, we’ve put together a list of the top 10 best used cars you can buy with the least expensive insurance. All of these cars have a group 1 insurance rating – the lowest you can get – and that means insurance costs will be miniscule.

1. Volkswagen Polo

The Volkswagen Polo has been around for many years and in its time it’s gained a reputation for sturdiness, dependability and comfort. This latest version lives up to that image, with a high-quality interior finished with smart, robust materials. There’s plenty of space inside too, while the supple suspension does a great job of absorbing lumps and bumps so the ride is always smooth. 

The least powerful 1.0-litre engine gets the low insurance rating we’re looking for here, which will make it cost-effective to run, yet it’s nippy enough that it doesn’t feel out of its depth on any journey and you still get all the things we love about the Polo.

Read our Volkswagen Polo review

2. Hyundai i10

If giving lifts to your mates or your family is a big priority, you’ll want to take a look at the Hyundai i10. On the outside it’s tiny – small enough to be a doddle to drive around town and it has great visibility so it’s easy to park. Yet inside you get three back seats (where some cars of this size only have two) and there’s plenty of space for four adults to sit comfortably or even five at a push. 

That’s not all there is to the i10 because it’s also great to drive and comes with a smartly styled interior. 

Most of the 1.0-litre versions come with a group 1 insurance rating and all i10s get a five-year, unlimited mileage warranty from new – so if you buy one that’s below that age, it’ll have the remainder of that warranty left for you to enjoy.

Read our Hyundai i10 review

3. Skoda Fabia

Another great option if you’re looking for plenty of space on a budget is the Skoda Fabia. It’s about the same size as a Ford Fiesta but it’s very cleverly packaged, with more boot space and legroom in the back seats than most rivals. 

The Fabia also majors on comfort. Its soft suspension makes it super smooth over bumps, and on the motorway it feels stable and relaxing, so if you do lots of long-distance driving it’s a great option. Choose one of the lower-specification versions and you’ll get the fabulously low insurance costs you’re looking for.

Read our Skoda Fabia review

4. Nissan Micra

The Nissan Micra is one of the most powerful cars in this list, so it’s the one to have if you want to pair your low insurance costs with good performance. The Micra’s sharp styling also sets it apart from most other small cars – as does its smart interior, which doesn’t just look good but feels light and airy too.

The best news of all is that every Micra with the entry-level engine has a group 1 insurance rating, so you’ll get to pick from a range of different versions and still get the cheapest possible insurance.

Read our Nissan Micra review

5. Ford Ka+

Where the Ford Ka+ succeeds is in providing simple, hassle-free motoring at a bargain price. It’s a great-value used car that costs less than most rivals and is super cheap to run.

Those low running costs extend as far as insurance – which is why it’s in this list. Go for a Ka+ with the 1.0-litre engine and you’ll benefit from very low insurance premiums – all of which makes this an ideal choice if you’re intent on sticking to a budget.

Read our Ford Ka review

6. Kia Rio

Diesel engines are very fuel-efficient, which is why they’ve proven so popular in recent years, but it’s rare to find a diesel-powered car with cheap insurance. Nevertheless, the Kia Rio is just that. From 2015 onwards, the “1 Air” model benefitted from fantastically low insurance premiums when combined with the 1.1-litre diesel engine.

Of course, that remarkable fuel consumption means it’s one of the cheapest cars to run in this list, and as with all Kias the Rio has a good reputation for reliability, so you’re unlikely to have to fork out for expensive repairs further down the line. You’ll even get the remainder of the seven-year warranty that came as standard when the Rio was new.

Read our Kia Rio review

7. Smart ForFour

If you’d like to drive something stylish while also paying peanuts for your insurance, then look no further - the Smart ForFour could be the car for you. 

It’s the “Pure” model you’ll need to look out for, because that’s the version with the lowest insurance of all. Despite this, it comes with a relatively zingy little engine that provides more than enough performance for nipping into gaps around town. Of course, you also get the unique exterior and interior design that marks the Smart out. The ForFour is small enough to fit into the tiniest parking spaces yet with four seats it’s a surprisingly practical little car.

8. Volkswagen Up!

Another car that combines city-friendly dimensions with good interior space is the Volkswagen Up! – and the same goes for the Seat Mii and Skoda Citigo, both of which are all but identical but for some small design tweaks. 

What’s more, the high-quality materials used inside the Up mean you won’t feel like you’re pinching pennies even while you are. Good fuel efficiency, a comfortable ride and a fun driving experience all add to the Up’s appeal – and of course, with lower-specification versions, insurance costs are as low as you can get.

Now that you’ve got a better idea of which cars to buy to keep your insurance costs low, why not head over to our search page to find one of them for sale? With Cazoo, you can buy your next car online and either have it delivered to your door or choose to collect it from one of our Customer Centres.

We're constantly updating and adding to our stock. If you can't find one within your budget today, check back soon to see what's available or set up a stock alert to be the first to know when we have any cars that match your needs.

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