Kia Picanto 1.0 Auto
2020-2024
£223/mo to run at 23
£128 insurance + £17 tax + £73 fuel + £5 MOT = £223/mo to keep — excludes servicing
Plus the car itself: £11,985 upfront (typical).
About £2,675 a year to keep on the road.
Insurance likely £1,006–£2,322/yr. Sparse data for this model — a rough indication only, so we show a wider range. Estimates are for a car kept in London — most other areas are lower. Fuel at 6,500 miles/yr, £1.51/L, DESNZ Jul 2026.
Heads-up: 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 estimate from public data for a black-box policy — not a quote.
Figures updated 19 Jul 2026 — the monthly figure now covers running costs only (insurance, tax, fuel, MOT); the car price is shown separately, not spread into it.
Figures checked July 2026
The next few years
At 24 this falls to about £971–£2,241/yr.
Budget-planning estimates, not quotes — age effect only; a clean record and no-claims discount would lower this further; we don't model NCB. Sparse data for this model — a rough indication only, so we show a wider range.
Why this one: Group 1 insurance — among the cheapest here to insure at 23 · £11,985 to buy — an outright purchase, nothing financed · £223/mo to keep on the road — costed from insurance, tax, fuel and MOT, nothing hidden
Worth knowing: 3-star Euro NCAP (2017) — below the safety bar most rivals clear
Before you buy it
- Check its MOT history on gov.uk — free — pass/fail history, recorded mileage and advisories by registration.
- An HPI/write-off check is also worth doing before you commit — a paid check that flags outstanding finance, write-offs and stolen-vehicle markers.
When you go to view it
- Service history & receipts
- V5C logbook matches the seller and the VIN
- MOT history checked on gov.uk
- Start it cold
- Tyres (tread + even wear, spare/kit present)
- Panel gaps & paint mismatches
- Every electric switch & warning light
- Test drive — brakes straight, clutch bites, no pulling
When to get quotes
Quotes are cheapest about 21–26 days before your cover starts — “if you can, get quotes about three weeks before you need cover” (MoneySavingExpert).
Patience pays: buy this car at 24 instead of 23 and the insurance estimate drops by about £54 a year.
Same estimate basis as everything else — indicative, not a quote.
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How we work these figures out
Insurance estimates are expected annual premiums for a new driver on a comprehensive, black-box (under-22) policy in London, calibrated against published young-driver premium datasets. The low–high range reflects how much real quotes vary from person to person. Running costs assume 6,500 miles/yr at £1.51/L, DESNZ Jul 2026 and the standard MOT fee; servicing is excluded.
These are estimates based on public data, not quotes, and Vouched does not give insurance advice. When you're ready to buy, we introduce you to authorised providers for a real quote.