The 10 cheapest cars to insure with temporary insurance - new 2025 list

Borrowing a car on a budget

With the rising costs of car ownership a looming concern for many drivers in Britain, we’ve uncovered the top 10 cheapest cars to insure with Cuvva’s temporary car insurance.

Dominating our rankings are compact, city-friendly cars that combine low insurance costs with practicality and efficiency. These cars not only offer affordable premiums but also prove to be economical and accessible options for drivers across the UK.

All the cars featured on the list typically fall in lower car insurance groups 1-15, making them more affordable to insure. Generally, the lower the insurance group, the cheaper the car is to insure. There are 50 car insurance groups. The group your car falls into is dependent on a range of variables such as engine size, safety rating, and the cost to repair it.

Methodology: The prices used are for a 6-hour fully comprehensive policy with Cuvva, based on the alias of a 30-year-old male living in North London.

Some cars are cheaper to insure

First, some background info. There are lots of factors that influence your car insurance premium, like your age, driving history, and where you live.

The type of car you drive can also make a big difference to your quote. The value, age, and insurance group of the car will all affect how much you pay.

We know loads of people are looking to save money on car insurance right now. So we’ve crunched the numbers, analysing every single one of the policies sold by Cuvva in the past year to reveal the 10 cheapest cars to insure with temporary car insurance.

Good news, too: lots of the cars on this list are also really popular - which means you should know someone willing to lend you one if you take out temporary car insurance.

The top 10 cheapest cars to insure

Drumroll, please… introducing, the cheapest cars to drive with Cuvva's temporary car insurance.

Tenth (tied): Škoda Fabia & Volkswagen Polo – £10.32
The Škoda Fabia offers a massive boot for a car this size, making it super handy for shopping trips or weekends away. While the iconic, firm favourite, Volkswagen Polo is known for its premium feel and smooth drive. Both are in low insurance groups (as low as 1 in some models), offering great value for drivers needing a bit more space without breaking the bank.

Ninth: Fiat 500 – £10.29
The Fiat 500 is a car that tends to split opinions - you either love it or hate it. For those over 6ft tall, its compact size might feel restrictive. However, city drivers looking to save on fuel costs will likely appreciate its small dimensions and impressive fuel efficiency. (Check out our guide to insuring a Fiat 500.)

Eighth: Vauxhall Corsa – £10.28
The Vauxhall Corsa has been a top choice for decades, and is a cult classic. The latest models have cool new features like heated seats and advanced safety systems. It’s a great everyday car, stylish and it’s accessible for more budgets. (Check out our guide to insuring a Vauxhall Corsa.)

Seventh: Hyundai i10 – £10.24
The Hyundai i10 punches above its weight with surprising comfort and features like Apple CarPlay in newer models. It’s small but feels much bigger inside. Sitting within insurance group 1 to 7, it’s a solid choice for those wanting more than just the basics.

Sixth: Smart Forfour – £10.20
The Smart Forfour is like the Fortwo (more on this below) but with extra seats for friends or family. It’s still compact and affordable to run, usually sitting in insurance groups between 1 and 11. It’s great for families who need a bit more space.

Fifth: Škoda Citigo – £10.01
The Škoda Citigo is the practical sibling in the VW family. It’s spacious for a small car, and it has clever storage solutions that make it super handy for everyday use.

Fourth: Kia Picanto – £9.99
The Kia Picanto stands out with its industry-leading 7-year warranty. It’s reliable, affordable, and sits in insurance group 3. Plus it's a hatchback, which is generally cheap to run, and easier to parallel park.

Third: Seat Mii – £9.91
The Seat Mii is basically a VW Up! (see below) with a bit of Spanish flair. It’s fun to drive, super efficient, and often a little cheaper to buy than its Volkswagen sibling.

Second: Volkswagen Up! – £9.76
In 2nd place, the Volkswagen (VW) Up! is a small hatchback but has a quality feel. Sitting in insurance group 1 (depending on the model), it’s cheap to insure and is ideal for new or sporadic drivers.

First: Smart Fortwo – £9.66
The Smart Fortwo is tiny and perfect for city driving. It’s affordable to run and falls into a low insurance group, keeping costs down. A deserving champion, the Smart Fortwo is the cheapest car to insure.

Get temporary car insurance

Now you know which cars are cheapest to insure, use this info to choose which car you borrow next. Your mum’s Mini probably looks pretty sweet now, right?

Whatever you need, Cuvva's policies from 1 hour to 28 days might be able to help - with cover starting from just £11.88.

• Temporary car insurance for borrowing or lending a car in minutes.
• Learner driver cover for driving lessons, getting practice in with a supervisor, or taking the driving test.
• Drive away insurance for getting your new car home from the dealership.
• Temporary van insurance for moving home, dropping things to the recycling centre, or carrying a heavy load.

And it only takes a few minutes to get a quote.