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Every figure here comes from the same maths as the finder — insurance, tax, fuel and MOT, itemised, nothing hidden.
| At age 19 | BMW 116i SE (1 Series, F20, pre-facelift, N13 1.6 turbo) 2013-2014 |
|---|---|
| Upfront price | £4,995 £3,645–£6,492 |
| Monthly running | £298/mo £208 insurance + £14 tax + £71 fuel + £5 MOT |
| Insurance | Group 17 £1,620–£3,364/yr — London-based estimate — your area could be higher or lower. |
| MOT failure rate | 26% Top faults: Tyres, Lamps, reflectors and electrical equipment, Brakes |
| Euro NCAP | 5-star (2012) |
| Boot | 360L |
| Gearbox | manual |
| ULEZ | Compliant |
| Road tax | £170/yr |
| Servicing | — |
Market update (27 July 2026): two major insurer groups — including the cheapest black-box provider in most of our data — left the comparison panel we calibrate against, and cheapest quotes for young drivers rose roughly 50%. Our estimates now track this new, higher market. If those insurers return, real quotes could come in below the range shown — get a real quote before you budget.
Indicative estimates from public data, not quotes — running cost excludes servicing (shown separately, where a published band exists). Vouched does not give insurance advice.
Fuel at £1.51/L petrol or £1.65/L diesel, DESNZ Jul 2026; EVs at home charging (26.1p/kWh, Ofgem cap).
Figures checked July 2026
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