However, it doesn’t have to be; some cars are known to be safer than others, and some cars are known to be better than others for insurance.
You can beat the costs somewhat by staying up to date on which cars come with a high insurance cost and which will beat the pack when you make your insurance application.
With that in mind, then, here is a brief review of the cars on the market which will be the cheapest to ensure through 2016.
The Dacia Sandero 1.2 is already famous for being the cheapest car to buy new, but there’s another positive to the supermini; it’s one of the least expensive cars to insure, too. Budget-conscious brand Dacia are making an impact, and the Sandero is a perfect demonstration of why.
The i10 1.0 from Hyundai is a great car for city drivers. While the i10 series built its initial reputation simply for being cheap and cheerful, the new 1.0 has developed the brand into something much more solid and dependable.
Peugeot’s Bipper and Partner Tepees are sizable MPVs without a huge insurance footprint. Some Partner Tepees may not make the grade, but any Bipper Tepee has what it takes to take advantage of the cheapest insurance going.
The rear-wheel-drive latest edition of the Renaultwingot Twingo, developed in partnership with innovative electric car brand Smart, is a surprisingly strong return to form for the Twingo brand and capitalises on that innovative design to offer a low-insurance-cost experience for any driver who chooses one.
The SEAT Mii is another from the Volkswagen Group’s designs, and while it might be the first you’ll see on this guide it won’t be the last. Honing designs from the Ibiza and Leon, this is a compact, nippy machine with a low, low insurance group – all except the Mii Sport, which nonetheless is still pretty inexpensive.
Between the Citigo compact brand – very close to its stablemate the Mii – and the revamped Fabia, Skoda offers a few choices while still keeping the insurance cost of its cars down to a completely acceptable level. Go compact or enjoy your space; the choice is up to you.
The Smart ForFour has made its return after around a decade away, and this time the flaws that saw the vehicle vanish inside two years look to have been addressed. With a number of direct comparisons to the Renault Twingo, the same arguments can be made in its favour.