cars

MOTORING experts have revealed the ten cheapest cars to insure in the UK.

The average insurance premium has increased by a whopping 43 per cent year on year from £284 in 2024 to a shocking high of £941.

Prices have begun to drop over the past few months but the average quote is now sitting around £834, which is still a huge premium.

Experts have now revealed how to get this massive premium down a bit.

They’ve revealed the top ten cheapest cars to insure in the UK to help keep the price of motoring down for everyday Brits.

Not only are the motors cheap to insure but they are affordable for anyone looking to pick up a new car.

The list consists mostly of hatchbacks and super minis but some SUVs do make an appearance.

Skoda Fabia

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The Fabia is reportedly the cheapest of all UK motors to insure.

The little Czech hatchback only costs around £237 a year to insure and can be bought for an impressively low £19,410.

Seat Ibiza

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The Ibiza remains a cheap option since the mark one was introduced to the UK market in 1983.

At only £240 a year and £19,795 to buy the little hatchback remains one of the UK’s best cheap and cheerful models.

Dacia Sandero

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Costing just £240 a year to insure and a very cheap £13,250 to buy, the Romanian motor offers an excellent option for first time drivers.

Only slightly more expensive to insure than the Ibiza the Sandero is a fair sight cheaper to buy than most of the alternatives.

Volkswagen Polo

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The German made Volkswagen Polo is up next with an insurance premium of around £247.

A favourite among first time drivers in the UK the Polo costs just £21,210 to buy.

Volkswagen T-Cross

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Surprisingly the SUV style Volkswagen T-Cross came in next, despite being large it can be insured for just £248.

A Volkswagen T-Cross could be purchased for around £24,895 and offers the most space on the list, perfect for families.

Hyundai i10

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The first Japanese car on the list, the Hyundai i10, can be insured for only £259 and purchased for a modest £16,380.

The most technologically advanced of the motors on this list the i10 offers a slew of futuristic features not available with some of the other options.

Kia Picanto

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The tiny Kia Picanto can be insured for just £250 and bought for only £18,945.

One of the smallest motors on the list the quick little car is a perfect option for the city, learners or first time motorists.

Kia Stonic

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Another Kia, the Stonic, though much larger than the hatchback Picanto, can be insured for around the same at £260.

Buying one is a fair bit pricier though costing motorists around £20,265.

Hyundai i20

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Not to be confused with the much more powerful i20N the Hyundai i20 can be insured for just £282 and purchased for £20,880.

A little larger and more powerful than some other entries on the list the i20 offers a bit of a step up in performance for a bit of a step up in cost.

Toyota Aygo X

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Scraping in at the bottom of the list the Toyota Aygo X can be insured for £307, the only motor on the list to break the £300 mark.

It remains relatively cheap to buy however at around £16,515.

DRIVERS looking to buy an affordable but reliable older motor should consider one of these top 10 picks from the Which? annual car survey.

The consumer group has revealed a list of cars it recommends with five-star reliability ratings between 10-15 years old, some for less than £3,000.

From nippy city cars to big family SUVs, there are options for all drivers hunting for a bargain buy that doesn’t scrimp on quality.

Michael Passingham, senior researcher at Which?, told thisismoney that hybrid cars have come to dominate the list of most reliable, older vehicles.

He said: “Why do these cars perform so well? One reason could be that the hardest part of a car’s life – starting and pulling away – are mostly handled by the small electric motor.

“These motors have fewer moving parts than combustion engines and, along with sturdy main battery packs, really don’t have to work all that hard. 

“The downside is that our data shows a much higher failure rate of the 12V battery (the small battery all cars have) on full hybrids; this component is worked hard so it pays to buy a quality one and get it replaced every five years or so.”

In good news for consumers, so called ‘full’ hybrids’ have been removed from the 2030 ban on sales of new petrol and diesel cars planned by the government.

Micheal warned against opting for a plug-in hybrid, saying that this type of car has “one of the least reliable engine types according to our data”.

Here is the full list of the 10 best buys for the most reliable older cars…

10. Toyota Auris (2012-2019)

Average used price: £4,650

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Faults: 28% Breakdowns: 7% Days off the road: 5.3

The predecessor to the Toyota Corolla, the Auris served as the brands family hatchback offering for almost two decades until it was replaced in 2019.

The second generation Auris, sold between 2012-2019, boasts impressive reliability with less than three in ten owners reporting faults in the last year, and only seven per cent saying their vehicle broke down.

The average price of £4,650 makes this a competitive option when looking for a family, and environment, friendly hatchback.

The only caveat is that the Auris took an average of 5.3 days to get back on the road after a breakdown, which is higher than other cars on this list.

9. Suzuki Alto (2009-2014)

Average used price: £2,800

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Faults: 25% Breakdowns: 1% Days off the road: 2.6

The Suzuki Alto, released in 2009, is still living up to its promise of being a cheap, compact and reliable supermini.

It was first offered for £6,000-£7,000 and now can be snapped up for less than three grand, the cheapest buy on this list.

The simplicity of the Alto makes it a particularly reliable option, with just 1 per cent reporting breakdowns in the last 12 months, and a quarter saying they had to deal with faults.

If it does need a repair, the Alto’s simplicity means it gets back to you in an average of only 2.6 days.

8. Toyota Yaris (2011-2020)

Average used price: £3,100

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Faults: 23% Breakdowns: 6% Days off the road: 3.1

The go-to small, dependable car for many in the last 25 years, the Yaris, is still making recommendation lists for its affordability and reliability.

With less than a quarter reporting faults and only 6 per cent dealing with a breakdown in the last 12 months, the Yaris still holds up remarkably well after all this time.

This is the 2011-2020 model with a hybrid drivetrain, an addition which makes it economical to drive as well as to buy, averaging just over £3,000.

7. Suzuki Swift (2010-2016)

Average used price: £3,500

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Faults: 27% Breakdowns: 8% Days off the road: 1.4 

Suzuki appears again on this list with the 2010-2016 Swift supermini, a compact, simple vehicle at a compelling price.

Received positively upon release, the Swift was praised for being fun to drive with a competitive blend of efficiency and performance.

Now on sale for only around three and a half grand, this might be a great option for those looking for a small but fiery little motor.

Although it scores a little worse on breakdowns, with 8 per cent being the highest on this list, it does only spend a brief 1.4 days in the shop when things do go wrong.

Couple this with a good score of 27 per cent reporting faults, and this characterful car is still a good buy in 2025.

6. BMW X1 (2009-2015)

Average used price: £5,200

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Faults: 35% Breakdowns: 7% Days off the road: 2.1

In a shock entry to this list, the BMW X1 is an outlier for luxury SUVs, which are often unreliable and costly to repair.

On the contrary, the X1 competes with other, much smaller, simpler cars with a respectable record of just 7 per cent reporting breakdowns last year and only 2.1 days taken to fix on average.

Consumers may be able to take advantage of typically low SUV resale prices, generally due to reliability and repair cost concerns, to pick up this hidden gem for a very reasonable price of around £5,000.

That said, the X1 does rank low on this list in terms of faults, with over a third experiencing issues in the last 12 months.

5. Skoda CitiGo (2009-2019)

Average used price: £4,500

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Faults: 22% Breakdowns: 5% Days off the road: 2.8

Mechanically identical to the VW Up!, the Skoda CitiGo was meant for squeezing into tight parking spaces and down narrow streets while keeping your fuel costs and insurance premiums to a minimum.

After being discontinued five years ago, the CitiGo now makes for a tempting prospect on the second-hand market.

It was initially praised for being surprisingly roomy for being so small, and for being the cheaper alternative to the Up! while essentially being the same car.

It boasts impressive reliability, with only 22 per cent reporting faults and 5 per cent experiencing a break down.

The CitiGo is fairly quick to repair as well, only spending 2.8 days at the garage before being ready for more.

4. Honda Jazz (2008-2015)

Average used price: £3,800

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Faults: 25% Breakdowns: 4% Days off the road: 2.7

Almost exclusively driven by those of a certain age, the Honda Jazz is popular amongst the older demographic for a reason: its convenient, reliable and easy to drive.

These attributes might get Grandma excited, but they should also make the Jazz an attractive option for anyone looking for a solid vehicle at a bargain price.

One in four owners reported a fault with their cars and the average time in the garage was 2.7 days being fixed by mechanics.

Your Jazz shouldn’t be seeing the inside of a garage too often though, with only 4 per cent breaking down in the last year.

3. Lexus RX 450h (2009-2015)

Average used price: £6,400 

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Faults: 16% Breakdowns: 0%  Days off the road: 2 

This chunky SUV was voted the most satisfying car to own in 2024 in a Which? survey.

A glance at the cars record quickly confirms that one of the factors that make it so popular must be its excellent reliability.

Looking at the hybrid-powered models here, only 16 per cent reported a fault in the last year and none had their RX break down on them.

For the times that the RX was sent into the garage, it only spent 2 days on average being worked on.

The price is a little higher than some others on this list, but buyers are getting both space, comfort and relatively good fuel efficiency.

2. Mazda MX-5 (2005-2015)

Average used price: £3,800

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Faults: 26% Breakdowns: 0% Days off the road: 1.7

The iconic MX-5 speeds into the number two spot for good reason, bucking the trend of unreliable sports car to still deliver thrilling driving with solid build quality at a good price.

Hailing originally from the late 1980’s, this example of the world’s best selling roadster is the third generation MX-5, it debuted in 2005 and still holds up today.

The record from Which?’s data is flawless when it comes to breakdowns, and shows that this classic is quick to fix only spending 1.7 days in the shop.

Just over a quarter reported faults, but that’s not a huge figure when it comes to second-hand sports cars.

1. Lexus CT 200h (2011-2020)

Average used price: £7,300

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Faults: 13% Breakdowns: 0% Days off the road: 1.2 

Topping the list as the most reliable 10 to 15 year-old car comes the Lexus CT 200h, a full hybrid hatchback which served as the brands answer to the Ford Focus and VW Golf until 2020.

CT 200h owners surveyed by Which? delivered glowing reviews, reporting zero breakdowns and only 13 per cent experiencing a fault with their car.

Drivers praised the vehicles comfort and, of course, reliability, only pointing to a small boot and clunky infotainment system as critiques, as reported by thisismoney.

The car sells for around £7,000, the priciest offering so far, but its near spotless record should mean your investment pays off with a dependable motor that is good for years to come.

The ones to steer clear of

Which? puts the diesel powered Vauxhall Zafira (2005-2014) and Nissan Qashqai (2007-20013) as two of the least reliable vehicles that consumers should steer well clear of if dependability is their aim.

The Zafira has become known for catching fires in recent years due to issues with its heater blower motor and regulator. This usually happens when owners replace parts with cheaper, aftermarket components.

It is hardly a wonder that drivers are turning to cut-price alternatives when the Zafira breaks down on three in ten owners, with more than half reporting faults in the last year.

The car also takes a whopping 14 days on average for repairs to be made.

The first generation Nissan Qashqai also from suffers reliability issues, and needs almost a week in the garage on average before it is road-ready after a malfunction.

Both these cars use diesel fuel, and Which? has found that this is by far the worst fuel type for reliability, with an average fault rate of 48 per cent, compared to 39 per cent for petrol and 23 per cent for hybrids.

JUST passed your driving test? It’s time to get a car.

We all know buying your first used car can be nerve-wracking, especially if you’re doing it on your own. 

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Don’t worry! At Sun Motors, we’re going to take you through our selection of some of the best-used cars for first-time drivers​. 

When comparing the best used first cars, we’ve weighed up a range of factors, including safety and security, insurance, running costs and repairs. 

The models here are tried and trusted and should perform well as safe, secure and reliable runarounds.

You want to hit the road, so let’s start with finding five fantastic car deals for new drivers.

Top 5 best used cars for new drivers 

Here are 5 tried and tested cars that are ideal for first-time buyers. We’ve selected small cars with solid engines and engineering.

They may not be the fastest or most attractive motors, but they’re a great place to start on your car owning career.

1. Ford Ka
2. Skoda Fabia
3. VW Polo
4. Fiat 500
5. Mini

Cheapest to insure: Ford KA 



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MODEL: Ford KA

Insurance for new drivers is, quite frankly, bonkers – but not if you buy a Ford Ka. This popular city car is in the lowest insurance group (group 1-10, says Parkers), which means it’s the lowest risk. Low risk = low premium.

It’s cheap to insure, but is it any good? 

Absolutely! The reliable, affordable and quirky Ford Ka is a great first car. It’s economical to run, and the no-frills exterior and interior are perfect as you’re highly likely to add a few dents, scratches and damage yourself. 

You can pick up a good quality 10-year-old Ford Ka for around £5k.

Dull but functional: Skoda Fabia

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The Skoda brand name has been revitalised since its VW ownership, with the brand now known for dull but functional cars that last.

The Skoda Fabia is a basic motor that’s also in a low insurance group, meaning it’s cheap to insure.

Driving is more fun than you’d imagine, with a strong and solid engine and a leisurely ride.

We recommend new drivers go for third-generation models (2014-2021) with the 1.0 litre engine if possible.

Prices for a bog-standard, 10-year old Skoda Fabia are around £3.5k and rising to £23,000 for a nearly new model.

German precision: VW Polo

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OK, so the older (2014-21) VW Polos and the Skoda Fabias share a common platform (PQ26) which makes them similar, but they’re not identical twins.

The Polo is a bit more refined, with better handling and a finer finish.

The driving experience is similar to a Fabia, with reviewers loving the 2009-17 version, praising its comfortable ride and classy looks.

You might expect to pay a premium, but you can pick up a 2015 VW Polo for £3,500.

Tiny tearaway: Fiat 500

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When it was launched, the Fiat 500 blew us all away. The micro-car is a 60s-inspired piece of design that’s as evocative as the Italian job. Slide inside (if you can fit) and it’s a surprisingly good drive. 

The short wheelbase and small overall size make it feel fast on the road.

There’s not much luggage space and carrying passengers will be a problem, but it’s an ideal first car for urban motorists on a budget.

Its popularity keeps prices down. Basic models of the Fiat 500 can be picked up for a little over £3,000. Small price and perfect for small driers.

Money-no-object: Mini

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Who doesn’t want a Mini? The BMW reboot of the Mini has created a brand new icon, and we love it. 

The ‘modern’ MINI is every bit as popular as the previous version, with almost 3000 for sale today on Sun Motors.

When the car looks this good, who cares what it drives like? (Take our word for it, it’s a fantastic car to drive and own.)

There are so many models to choose from, you could get lost for a long time. We recommend first-time drivers go for an older model, like this 2015 MINI Hatch 1.5 Cooper for a few litres of fuel under £5,000.

MINIs will wrack up a lot of miles, so don’t be put off by a model that’s done over 100k.

Instead, check the MOT history and service history, that’s a better indication of how a car has been cared for and will perform.

What is the best car for a new driver?

Personally, I’d go for a Dacia Sandero – because that’s what I drive. But I’m old. 

If I were a first time car buyer, I’d try and find the perfect middle ground. That’s going to be a great looking car that’s fun to drive but cheap to insure and fill up. 

My personal choice for the best used car for a first time buyer would be the Skoda Fabia.

If you can, take one out for a drive. It’s surprisingly spacious, stylish to look at and well built. Go for one with low-mileage and a full service history.

Why Sun Motors makes first-time buying easy

Sun Motors makes buying a new car easy. The AI feature and sophisticated search function enable anyone to find the right car for them at the right price.

When buying from Sun Motors, you’re dealing with dealers you can trust. All cars for sale have been checked over, with any faults or problems fixed.

Dealers will also offer a warranty, giving you peace of mind for thousands of miles.

Why would you buy from anywhere else?

New driver car buying FAQs

Car finance for new drivers​: Can I get a used car on finance if I’m a first-time driver?

Of course first time drivers can access finance – but only if you’re over 18.

If you are, the amount you can borrow and the terms (including interest rate) will depend on your individual circumstances, including income, outgoings and credit history.

Sun Motors makes it simple to check eligibility and affordability of finance.

Our advice is to always read the small print and make sure you can manage all motoring costs, including car repayments, insurance, tax and (of course) fuel!

How much is insurance for a new driver?

New drivers can expect to pay £1500 or more for insurance, say finance experts Moneyshake.

The exact cost of car insurance depends on a huge range of factors, including your age and location, driving history, car make, model, age and value. 

Before buying a car, you can use comparison sites to compare insurance prices. Don’t ever buy a car without knowing how much it’ll cost to insure, or you could face a nasty surprise.

What size engine can a new driver drive uk​?

If you’ve passed your test, you can drive anything you want – as long as you can afford to insure it. 

Our advice is to start with a small and safe car, then work your way up. Stats about new driver accidents are scary, so be safe and get a smaller car.

What to look for when buying a used car for the first time

Check out our guide on what to look out for when buying a used car here.

• Safety – Always buy a car from a trusted dealer. Check out old MOTs and ask the seller if the car has been written off and returned to the road. Walk away if a dealer won’t share this information.
• Reliability – Being stranded by the roadside is no fun, so ensure the car has a full service history and all essential work has been done.
• Economy – Smaller cars use less fuel, so start small.
• Size – Don’t get a big car. New drivers are much more likely to get into accidents.
• Cost of ownership – Consider the purchase price of the car and all running costs. Make a budget before buying a car.

Are used cars as safe as new cars? 

Yes, used cars are as safe as new cars. Always check the MOT record and service history and, if possible, buy from a dealer. This will ensure your new used car is in the best condition it can be.

Buying a used car? Check out Sun Motors and find your next vehicle today. Whether you’re looking for automatic, manual or electric, use Sun Motors to decide on your next model.