What’s The Most Affordable Family Car To Insure?

Thu 12th May 2022

With the cost of living crisis hitting most family homes, the prospect of adding a new car to the household budget might be daunting, but new analysis might just make things a little easier.

The cost of running a car is sometimes as much as a financial burden as actually buying one, with insurance one of the biggest monthly outgoings. But research from Admiral Car Insurance has revealed the cheapest family cars to insure, with the Ford Puma topping the list.

The data showed that the Puma insurance would cost £307.42 a year, only slightly less than the Volkswagen Up! (though whether you could fit the average family in an Up! Is debatable).

Other family cars to make the top ten list include the Skoda Karoq, the Mini Clubman and the budget brand Dacia Duster.

The analysis showed that the Volkswagen Up! is also the cheapest car for new and younger drivers, an important consideration as premiums for rookie motorists can often be sky-high.

Clare Egan, Admiral’s Head of Motor said that there are often a wide variety of factors in deciding a car insurance premium, and very often it is the driver and not the actual car which determine the quote you are offered.

She said: “There are things that drivers can do to help keep insurance costs down, such as considering the type of car that they drive and how they drive it.

“Getting points on your licence or a driving conviction will increase the price you pay.

“And while it might be tempting to try and change your personal details to get a better price, drivers do need to be honest and make sure we have the correct information for them otherwise their cover could be affected.” 

10 cheapest family cars to insure

Prices per year

  1. Ford Puma - £307.42

  2. Volkswagen Up! - £308.02

  3. Škoda Karoq - £319.06

  4. Mini Clubman - £322.58

  5. Dacia Duster - £331.48

  6. Škoda Kamiq - £336.45

  7. MG ZS - £338.88

  8. Volkswagen T-Roc - £340.03

  9. Seat Arona - £341.81

  10. Suzuki Vitara - £345.90