First-Car Finder

What's the cheapest first car to run at your age?

We rank cars by the number that actually matters — monthly running cost: insurance estimated for your age, road tax, fuel and the MOT. The car itself is a one-off you pay upfront — no loan assumed. Answer a few quick questions to get your match — or use the classic form.

Estimates adjust to your postcode district.

Worth reading: Black box insurance explained

Fiat 500e 42kWhCheapest to keep
£11,224£14,498 to buy · group 17 · est. insurance £111/mo
£169/mo
Running: £111 insurance + £17 tax + £36 charging (home charging at 26.1p/kWh (Ofgem cap) — public typically 54–79p/kWh (Zapmap, Jun 2026)) + £5 MOT — excludes servicing.
Insurance likely £84£150/mo (£1,003£1,805/yr). London-based estimate — your area could be higher or lower.

Why this one: 4-star Euro NCAP (tested 2021) · Electric — cheapest per mile here on home charging · £12,448 to buy — an outright purchase, nothing financed

Worth knowing: 185-litre boot — one of the smallest here

Peugeot 107 1.0
£1,695£3,295 to buy · group 3 · est. insurance £104/mo
£170/mo
Running: £104 insurance + £2 tax + £60 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £78£140/mo (£932£1,678/yr). London-based estimate — your area could be higher or lower.

Why this one: Group 3 insurance — among the cheapest here to insure at 19 · 62 mpg — sips fuel at your mileage · £2,489 to buy — the #1 cheapest here to buy

Worth knowing: 3-star Euro NCAP (2012) — below the safety bar most rivals clear

Fiat 500 1.2
£3,298£6,048 to buy · group 5 · est. insurance £100/mo
£171/mo
Running: £100 insurance + £3 tax + £64 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £75£135/mo (£899£1,617/yr). London-based estimate — your area could be higher or lower.

Why this one: 58 mpg — sips fuel at your mileage · £4,693 to buy — an outright purchase, nothing financed · £171/mo to keep on the road — the #3 cheapest here

Worth knowing: 3-star Euro NCAP (2017) — below the safety bar most rivals clear

SEAT Mii 1.0
£3,250£5,695 to buy · group 1 · est. insurance £103/mo
£176/mo
Running: £103 insurance + £2 tax + £67 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £77£139/mo (£926£1,666/yr). Estimated from insurance group, engine and value — treat as a guide.

Why this one: Group 1 insurance — among the cheapest here to insure at 19 · £4,390 to buy — an outright purchase, nothing financed · £176/mo to keep on the road — costed from insurance, tax, fuel and MOT, nothing hidden

Worth knowing: 3-star Euro NCAP (2019) — below the safety bar most rivals clear

Skoda Citigo 1.0
£3,695£5,995 to buy · group 1 · est. insurance £103/mo
£177/mo
Running: £103 insurance + £2 tax + £67 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £78£140/mo (£931£1,675/yr). London-based estimate — your area could be higher or lower.

Why this one: Group 1 insurance — among the cheapest here to insure at 19 · £4,770 to buy — an outright purchase, nothing financed · £177/mo to keep on the road — costed from insurance, tax, fuel and MOT, nothing hidden

Worth knowing: 3-star Euro NCAP (2019) — below the safety bar most rivals clear

Ford Ka 1.2
£1,995£3,495 to buy · group 3 · est. insurance £104/mo
£177/mo
Running: £104 insurance + £3 tax + £65 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £78£141/mo (£938£1,689/yr). London-based estimate — your area could be higher or lower.

Why this one: Group 3 insurance — among the cheapest here to insure at 19 · 4-star Euro NCAP (tested 2008) · £2,750 to buy — the #2 cheapest here to buy

Worth knowing: Failed its MOT more often than most here (34% failure rate)

Citroen C1 1.0
£3,490£5,498 to buy · group 3 · est. insurance £107/mo
£177/mo
Running: £107 insurance + £2 tax + £64 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £80£145/mo (£965£1,737/yr). London-based estimate — your area could be higher or lower.

Why this one: Group 3 insurance — among the cheapest here to insure at 19 · 4-star Euro NCAP (tested 2014) · 58 mpg — sips fuel at your mileage

Worth knowing: 196-litre boot — one of the smallest here

Hyundai i10 1.0
£4,250£6,999 to buy · group 1 · est. insurance £110/mo
£178/mo
Running: £110 insurance + £2 tax + £62 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £83£149/mo (£990£1,782/yr). London-based estimate — your area could be higher or lower.

Why this one: Group 1 insurance — among the cheapest here to insure at 19 · 4-star Euro NCAP (tested 2014) · 60 mpg — sips fuel at your mileage

Worth knowing: Failed its MOT more often than most here (21% failure rate)

Toyota Aygo 1.0
£4,550£7,730 to buy · group 3 · est. insurance £110/mo
£182/mo
Running: £110 insurance + £2 tax + £66 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £82£148/mo (£987£1,777/yr). London-based estimate — your area could be higher or lower.

Why this one: Group 3 insurance — among the cheapest here to insure at 19 · £5,995 to buy — an outright purchase, nothing financed · £182/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

Peugeot 108 1.0
£3,622£5,498 to buy · group 3 · est. insurance £112/mo
£182/mo
Running: £112 insurance + £2 tax + £64 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £84£152/mo (£1,011£1,820/yr). London-based estimate — your area could be higher or lower.

Why this one: Group 3 insurance — among the cheapest here to insure at 19 · 4-star Euro NCAP (tested 2014) · 58 mpg — sips fuel at your mileage

Worth knowing: 196-litre boot — one of the smallest here

Suzuki Celerio 1.0
£3,990£5,695 to buy · group 3 · est. insurance £108/mo
£186/mo
Running: £108 insurance + £17 tax + £57 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £81£146/mo (£974£1,752/yr). London-based estimate — your area could be higher or lower.

Why this one: Group 3 insurance — among the cheapest here to insure at 19 · 65 mpg — sips fuel at your mileage · £4,880 to buy — an outright purchase, nothing financed

Worth knowing: 3-star Euro NCAP (2014) — below the safety bar most rivals clear

Toyota Yaris 1.0
£5,000£9,995 to buy · group 5 · est. insurance £116/mo
£186/mo
Running: £116 insurance + £2 tax + £64 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £87£157/mo (£1,047£1,885/yr). Estimated from insurance group, engine and value — treat as a guide.

Why this one: 5-star Euro NCAP (tested 2017) · 58 mpg — sips fuel at your mileage · £7,590 to buy — an outright purchase, nothing financed

Worth knowing: Failed its MOT more often than most here (20% failure rate)

Renault Clio 0.9 TCe
£3,295£5,991 to buy · group 7 · est. insurance £118/mo
£186/mo
Running: £118 insurance + £2 tax + £62 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £88£159/mo (£1,058£1,904/yr). London-based estimate — your area could be higher or lower.

Why this one: 5-star Euro NCAP (tested 2012) · 60 mpg — sips fuel at your mileage · £4,495 to buy — an outright purchase, nothing financed

Worth knowing: Failed its MOT more often than most here (42% failure rate)

Peugeot 208 1.2 (Mk1)
£2,495£4,498 to buy · group 8 · est. insurance £118/mo
£186/mo
Running: £118 insurance + £2 tax + £62 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £89£160/mo (£1,064£1,914/yr). London-based estimate — your area could be higher or lower.

Why this one: 5-star Euro NCAP (tested 2012) · 60 mpg — sips fuel at your mileage · £3,495 to buy — the #3 cheapest here to buy

Worth knowing: Failed its MOT more often than most here (33% failure rate)

Renault Twingo 1.0 SCe
£3,292£4,995 to buy · group 3 · est. insurance £107/mo
£187/mo
Running: £107 insurance + £14 tax + £62 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £80£144/mo (£960£1,728/yr). Estimated from insurance group, engine and value — treat as a guide.

Why this one: Group 3 insurance — among the cheapest here to insure at 19 · 4-star Euro NCAP (tested 2014) · 60 mpg — sips fuel at your mileage

Worth knowing: 188-litre boot — one of the smallest here

Smart Fortwo 1.0
£4,538£7,524 to buy · group 3 · est. insurance £110/mo
£188/mo
Running: £110 insurance + £17 tax + £57 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £82£148/mo (£988£1,778/yr). Estimated from insurance group, engine and value — treat as a guide.

Why this one: Group 3 insurance — among the cheapest here to insure at 19 · 4-star Euro NCAP (tested 2014) · 65 mpg — sips fuel at your mileage

Worth knowing: 260-litre boot — one of the smallest here

Volkswagen Polo 1.0 (Mk5)
£5,180£8,871 to buy · group 4 · est. insurance £118/mo
£188/mo
Running: £118 insurance + £2 tax + £64 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £88£159/mo (£1,059£1,906/yr). London-based estimate — your area could be higher or lower.

Why this one: 5-star Euro NCAP (tested 2009) · 58 mpg — sips fuel at your mileage · £6,998 to buy — an outright purchase, nothing financed

Worth knowing: Failed its MOT more often than most here (25% failure rate)

Vauxhall Viva 1.0
£3,892£5,997 to buy · group 2 · est. insurance £106/mo
£189/mo
Running: £106 insurance + £17 tax + £62 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £80£143/mo (£954£1,717/yr). London-based estimate — your area could be higher or lower.

Why this one: Group 2 insurance — among the cheapest here to insure at 19 · 60 mpg — sips fuel at your mileage · £4,995 to buy — an outright purchase, nothing financed

Worth knowing: 3-star Euro NCAP (2017) — below the safety bar most rivals clear

Volkswagen e-up! 32kWh
£6,450£11,199 to buy · group 10 · est. insurance £131/mo
£189/mo
Running: £131 insurance + £17 tax + £36 charging (home charging at 26.1p/kWh (Ofgem cap) — public typically 54–79p/kWh (Zapmap, Jun 2026)) + £5 MOT — excludes servicing.
Insurance likely £85£197/mo (£1,024£2,364/yr). Sparse data for this model — a rough indication only, so we show a wider range.

Why this one: Electric — cheapest per mile here on home charging · £9,000 to buy — an outright purchase, nothing financed · £189/mo to keep on the road — costed from insurance, tax, fuel and MOT, nothing hidden

Worth knowing: 3-star Euro NCAP (2019) — below the safety bar most rivals clear

Kia Picanto 1.0
£7,795£12,691 to buy · group 1 · est. insurance £109/mo
£194/mo
Running: £109 insurance + £17 tax + £64 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £81£147/mo (£977£1,758/yr). London-based estimate — your area could be higher or lower.

Why this one: Group 1 insurance — among the cheapest here to insure at 19 · 58 mpg — sips fuel at your mileage · £9,998 to buy — an outright purchase, nothing financed

Worth knowing: 3-star Euro NCAP (2017) — below the safety bar most rivals clear

Skoda Fabia 1.0 MPI
£5,793£9,112 to buy · group 2 · est. insurance £109/mo
£194/mo
Running: £109 insurance + £17 tax + £64 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £82£147/mo (£980£1,763/yr). London-based estimate — your area could be higher or lower.

Why this one: Group 2 insurance — among the cheapest here to insure at 19 · 58 mpg — sips fuel at your mileage · £7,495 to buy — an outright purchase, nothing financed

Worth knowing: Failed its MOT more often than most here (18% failure rate)

Vauxhall Corsa 1.2 (E)
£2,995£6,064 to buy · group 4 · est. insurance £106/mo
£195/mo
Running: £106 insurance + £14 tax + £70 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £80£143/mo (£956£1,721/yr). London-based estimate — your area could be higher or lower.

Why this one: 4-star Euro NCAP (tested 2014) · £4,292 to buy — an outright purchase, nothing financed · £195/mo to keep on the road — costed from insurance, tax, fuel and MOT, nothing hidden

Worth knowing: Failed its MOT more often than most here (32% failure rate)

SEAT Ibiza 1.0 MPI
£6,997£10,965 to buy · group 2 · est. insurance £108/mo
£196/mo
Running: £108 insurance + £17 tax + £67 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £81£145/mo (£968£1,742/yr). London-based estimate — your area could be higher or lower.

Why this one: Group 2 insurance — among the cheapest here to insure at 19 · 5-star Euro NCAP (tested 2022) · £9,154 to buy — an outright purchase, nothing financed

Worth knowing: Failed its MOT more often than most here (20% failure rate)

Fiat Panda 1.2
£3,324£5,995 to buy · group 3 · est. insurance £108/mo
£197/mo
Running: £108 insurance + £17 tax + £67 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £81£146/mo (£971£1,748/yr). London-based estimate — your area could be higher or lower.

Why this one: Group 3 insurance — among the cheapest here to insure at 19 · £4,697 to buy — an outright purchase, nothing financed · £197/mo to keep on the road — costed from insurance, tax, fuel and MOT, nothing hidden

Worth knowing: 0-star Euro NCAP (2018) — below the safety bar most rivals clear

Volkswagen Up! 1.0
£5,496£8,498 to buy · group 2 · est. insurance £108/mo
£197/mo
Running: £108 insurance + £17 tax + £67 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £81£146/mo (£976£1,756/yr). London-based estimate — your area could be higher or lower.

Why this one: Group 2 insurance — among the cheapest here to insure at 19 · £7,098 to buy — an outright purchase, nothing financed · £197/mo to keep on the road — costed from insurance, tax, fuel and MOT, nothing hidden

Worth knowing: 3-star Euro NCAP (2019) — below the safety bar most rivals clear

Ford Ka+ 1.2
£5,495£7,499 to buy · group 3 · est. insurance £111/mo
£197/mo
Running: £111 insurance + £17 tax + £65 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £83£149/mo (£995£1,790/yr). London-based estimate — your area could be higher or lower.

Why this one: Group 3 insurance — among the cheapest here to insure at 19 · £6,750 to buy — an outright purchase, nothing financed · £197/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

Vauxhall Adam 1.2
£3,750£6,250 to buy · group 4 · est. insurance £111/mo
£199/mo
Running: £111 insurance + £14 tax + £70 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £83£150/mo (£997£1,794/yr). London-based estimate — your area could be higher or lower.

Why this one: 4-star Euro NCAP (tested 2013) · £4,995 to buy — an outright purchase, nothing financed · £199/mo to keep on the road — costed from insurance, tax, fuel and MOT, nothing hidden

Worth knowing: 170-litre boot — one of the smallest here

Skoda Fabia 1.0 MPI (Mk4)
£6,995£12,984 to buy · group 2 · est. insurance £112/mo
£200/mo
Running: £112 insurance + £17 tax + £67 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £73£167/mo (£870£2,009/yr). Sparse data for this model — a rough indication only, so we show a wider range.

Why this one: Group 2 insurance — among the cheapest here to insure at 19 · 5-star Euro NCAP (tested 2021) · £10,995 to buy — an outright purchase, nothing financed

Worth knowing: Our premium estimate for this car is rough — treat the range, not the number

MINI One 1.2
£3,798£7,465 to buy · group 10 · est. insurance £127/mo
£201/mo
Running: £127 insurance + £2 tax + £67 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £95£171/mo (£1,143£2,057/yr). London-based estimate — your area could be higher or lower.

Why this one: 4-star Euro NCAP (tested 2014) · £5,395 to buy — an outright purchase, nothing financed · £201/mo to keep on the road — costed from insurance, tax, fuel and MOT, nothing hidden

Worth knowing: 211-litre boot — one of the smallest here

Ford Fiesta 1.25 (Mk7)
£3,495£6,450 to buy · group 6 · est. insurance £115/mo
£202/mo
Running: £115 insurance + £14 tax + £69 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £86£155/mo (£1,032£1,858/yr). London-based estimate — your area could be higher or lower.

Why this one: 5-star Euro NCAP (tested 2012) · £4,995 to buy — an outright purchase, nothing financed · £202/mo to keep on the road — costed from insurance, tax, fuel and MOT, nothing hidden

Worth knowing: Failed its MOT more often than most here (32% failure rate)

Volkswagen Polo 1.0 65 (Mk6)
£7,995£11,995 to buy · group 3 · est. insurance £113/mo
£203/mo
Running: £113 insurance + £17 tax + £69 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £85£153/mo (£1,020£1,836/yr). London-based estimate — your area could be higher or lower.

Why this one: Group 3 insurance — among the cheapest here to insure at 19 · 5-star Euro NCAP (tested 2022) · £10,000 to buy — an outright purchase, nothing financed

Worth knowing: 54 mpg — thirstier than most cars here

Nissan Micra 1.0 IG-T
£5,990£10,498 to buy · group 4 · est. insurance £114/mo
£203/mo
Running: £114 insurance + £17 tax + £67 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £86£155/mo (£1,030£1,854/yr). London-based estimate — your area could be higher or lower.

Why this one: 4-star Euro NCAP (tested 2017) · £8,249 to buy — an outright purchase, nothing financed · £203/mo to keep on the road — costed from insurance, tax, fuel and MOT, nothing hidden

Worth knowing: Failed its MOT more often than most here (19% failure rate)

Kia Picanto 1.0 Auto
£9,650£13,791 to buy · group 1 · est. insurance £110/mo
£204/mo
Running: £110 insurance + £17 tax + £73 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £71£165/mo (£856£1,976/yr). 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 19 · £11,985 to buy — an outright purchase, nothing financed · £204/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

Hyundai i10 1.0 (Mk4)
£9,695£12,692 to buy · group 4 · est. insurance £117/mo
£204/mo
Running: £117 insurance + £17 tax + £66 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £76£175/mo (£911£2,102/yr). Sparse data for this model — a rough indication only, so we show a wider range.

Why this one: Passed its MOT more often than most cars here (12% failure rate, 2023 DVSA data) · £11,246 to buy — an outright purchase, nothing financed · £204/mo to keep on the road — costed from insurance, tax, fuel and MOT, nothing hidden

Worth knowing: 3-star Euro NCAP (2020) — below the safety bar most rivals clear

Toyota Aygo X 1.0
£11,495£13,998 to buy · group 5 · est. insurance £120/mo
£204/mo
Running: £120 insurance + £17 tax + £63 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £78£181/mo (£939£2,168/yr). Sparse data for this model — a rough indication only, so we show a wider range.

Why this one: 4-star Euro NCAP (tested 2022) · 59 mpg — sips fuel at your mileage · £12,890 to buy — an outright purchase, nothing financed

Worth knowing: Our premium estimate for this car is rough — treat the range, not the number

Hyundai i20 1.2
£5,790£8,998 to buy · group 6 · est. insurance £119/mo
£207/mo
Running: £119 insurance + £17 tax + £67 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £89£160/mo (£1,067£1,921/yr). London-based estimate — your area could be higher or lower.

Why this one: 4-star Euro NCAP (tested 2015) · £7,270 to buy — an outright purchase, nothing financed · £207/mo to keep on the road — costed from insurance, tax, fuel and MOT, nothing hidden

Worth knowing: One of the dearer cars here to insure at 19 (about £1,423/yr)

MINI Cooper 1.5
£5,495£10,995 to buy · group 15 · est. insurance £136/mo
£209/mo
Running: £136 insurance + £2 tax + £67 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £102£183/mo (£1,222£2,199/yr). London-based estimate — your area could be higher or lower.

Why this one: 4-star Euro NCAP (tested 2014) · £8,000 to buy — an outright purchase, nothing financed · £209/mo to keep on the road — costed from insurance, tax, fuel and MOT, nothing hidden

Worth knowing: 211-litre boot — one of the smallest here

Ford Fiesta 1.1 Trend
£7,722£12,855 to buy · group 5 · est. insurance £119/mo
£211/mo
Running: £119 insurance + £17 tax + £71 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £89£160/mo (£1,070£1,925/yr). London-based estimate — your area could be higher or lower.

Why this one: 5-star Euro NCAP (tested 2017) · £10,495 to buy — an outright purchase, nothing financed · £211/mo to keep on the road — costed from insurance, tax, fuel and MOT, nothing hidden

Worth knowing: 52 mpg — thirstier than most cars here

Hyundai i10 1.0 AMT (Mk4)
£9,704£12,698 to buy · group 4 · est. insurance £117/mo
£212/mo
Running: £117 insurance + £17 tax + £74 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £76£175/mo (£911£2,102/yr). Sparse data for this model — a rough indication only, so we show a wider range.

Why this one: £11,248 to buy — an outright purchase, nothing financed · £212/mo to keep on the road — costed from insurance, tax, fuel and MOT, nothing hidden

Worth knowing: 3-star Euro NCAP (2020) — below the safety bar most rivals clear

Dacia Sandero 1.0
£7,995£10,498 to buy · group 6 · est. insurance £121/mo
£212/mo
Running: £121 insurance + £17 tax + £70 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £91£163/mo (£1,086£1,955/yr). London-based estimate — your area could be higher or lower.

Why this one: £9,498 to buy — an outright purchase, nothing financed · £212/mo to keep on the road — costed from insurance, tax, fuel and MOT, nothing hidden

Worth knowing: 2-star Euro NCAP (2021) — below the safety bar most rivals clear

Kia Rio 1.25
£5,996£9,736 to buy · group 8 · est. insurance £124/mo
£213/mo
Running: £124 insurance + £17 tax + £67 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £93£168/mo (£1,118£2,012/yr). Estimated from insurance group, engine and value — treat as a guide.

Why this one: £7,496 to buy — an outright purchase, nothing financed · £213/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

Fiat 500 1.0 MHEV
£5,696£10,456 to buy · group 10 · est. insurance £131/mo
£213/mo
Running: £131 insurance + £17 tax + £61 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £85£197/mo (£1,022£2,360/yr). Sparse data for this model — a rough indication only, so we show a wider range.

Why this one: 61 mpg — sips fuel at your mileage · £8,799 to buy — an outright purchase, nothing financed · £213/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

Citroen C3 1.2 PureTech
£4,995£7,490 to buy · group 8 · est. insurance £123/mo
£215/mo
Running: £123 insurance + £17 tax + £71 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £92£165/mo (£1,103£1,985/yr). Estimated from insurance group, engine and value — treat as a guide.

Why this one: 4-star Euro NCAP (tested 2017) · £6,098 to buy — an outright purchase, nothing financed · £215/mo to keep on the road — costed from insurance, tax, fuel and MOT, nothing hidden

Worth knowing: 52 mpg — thirstier than most cars here

Renault Clio E-Tech 140
£5,999£11,495 to buy · group 12 · est. insurance £138/mo
£215/mo
Running: £138 insurance + £17 tax + £56 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £90£207/mo (£1,077£2,486/yr). Sparse data for this model — a rough indication only, so we show a wider range.

Why this one: 5-star Euro NCAP (tested 2019) · 66 mpg — sips fuel at your mileage · £9,947 to buy — an outright purchase, nothing financed

Worth knowing: Our premium estimate for this car is rough — treat the range, not the number

Renault Clio 1.0 TCe
£7,000£12,499 to buy · group 8 · est. insurance £127/mo
£217/mo
Running: £127 insurance + £17 tax + £69 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £82£190/mo (£989£2,282/yr). Sparse data for this model — a rough indication only, so we show a wider range.

Why this one: 5-star Euro NCAP (tested 2019) · £10,299 to buy — an outright purchase, nothing financed · £217/mo to keep on the road — costed from insurance, tax, fuel and MOT, nothing hidden

Worth knowing: Our premium estimate for this car is rough — treat the range, not the number

SEAT Arona 1.0 TSI
£7,995£10,538 to buy · group 8 · est. insurance £126/mo
£220/mo
Running: £126 insurance + £17 tax + £73 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £95£170/mo (£1,135£2,043/yr). Estimated from insurance group, engine and value — treat as a guide.

Why this one: 5-star Euro NCAP (tested 2017) · £9,458 to buy — an outright purchase, nothing financed · £220/mo to keep on the road — costed from insurance, tax, fuel and MOT, nothing hidden

Worth knowing: 51 mpg — thirstier than most cars here

Renault Captur 1.0 TCe
£9,791£12,498 to buy · group 7 · est. insurance £125/mo
£223/mo
Running: £125 insurance + £17 tax + £77 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £81£187/mo (£971£2,241/yr). Sparse data for this model — a rough indication only, so we show a wider range.

Why this one: Passed its MOT more often than most cars here (10% failure rate, 2023 DVSA data) · 5-star Euro NCAP (tested 2019) · £10,998 to buy — an outright purchase, nothing financed

Worth knowing: Our premium estimate for this car is rough — treat the range, not the number

Volkswagen Golf 1.0 TSI
£7,500£13,999 to buy · group 10 · est. insurance £133/mo
£223/mo
Running: £133 insurance + £17 tax + £69 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £86£199/mo (£1,035£2,388/yr). Sparse data for this model — a rough indication only, so we show a wider range.

Why this one: Passed its MOT more often than most cars here (12% failure rate, 2023 DVSA data) · 5-star Euro NCAP (tested 2019) · £10,500 to buy — an outright purchase, nothing financed

Worth knowing: Our premium estimate for this car is rough — treat the range, not the number

Mazda 2 1.5 (75)
£6,672£12,992 to buy · group 12 · est. insurance £138/mo
£223/mo
Running: £138 insurance + £17 tax + £64 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £90£207/mo (£1,076£2,484/yr). Sparse data for this model — a rough indication only, so we show a wider range.

Why this one: 4-star Euro NCAP (tested 2015) · 58 mpg — sips fuel at your mileage · £9,790 to buy — an outright purchase, nothing financed

Worth knowing: Our premium estimate for this car is rough — treat the range, not the number

Ford Focus 1.0 EcoBoost
£6,495£11,290 to buy · group 10 · est. insurance £131/mo
£224/mo
Running: £131 insurance + £17 tax + £71 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £85£197/mo (£1,024£2,364/yr). Sparse data for this model — a rough indication only, so we show a wider range.

Why this one: 5-star Euro NCAP (tested 2019) · £8,995 to buy — an outright purchase, nothing financed · £224/mo to keep on the road — costed from insurance, tax, fuel and MOT, nothing hidden

Worth knowing: Our premium estimate for this car is rough — treat the range, not the number

Nissan Juke 1.0 DIG-T
£10,314£13,986 to buy · group 12 · est. insurance £129/mo
£225/mo
Running: £129 insurance + £17 tax + £76 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £96£174/mo (£1,157£2,082/yr). London-based estimate — your area could be higher or lower.

Why this one: 5-star Euro NCAP (tested 2019) · £12,196 to buy — an outright purchase, nothing financed · £225/mo to keep on the road — costed from insurance, tax, fuel and MOT, nothing hidden

Worth knowing: 49 mpg — thirstier than most cars here

Volkswagen T-Cross 1.0 TSI
£12,521£16,300 to buy · group 8 · est. insurance £130/mo
£225/mo
Running: £130 insurance + £17 tax + £74 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £84£194/mo (£1,010£2,331/yr). Sparse data for this model — a rough indication only, so we show a wider range.

Why this one: Passed its MOT more often than most cars here (10% failure rate, 2023 DVSA data) · 5-star Euro NCAP (tested 2019) · £14,286 to buy — an outright purchase, nothing financed

Worth knowing: Our premium estimate for this car is rough — treat the range, not the number

Citroen C3 Aircross 1.2
£6,190£8,495 to buy · group 8 · est. insurance £124/mo
£226/mo
Running: £124 insurance + £17 tax + £81 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £93£167/mo (£1,115£2,006/yr). Estimated from insurance group, engine and value — treat as a guide.

Why this one: 5-star Euro NCAP (tested 2017) · £7,150 to buy — an outright purchase, nothing financed · £226/mo to keep on the road — costed from insurance, tax, fuel and MOT, nothing hidden

Worth knowing: 46 mpg — thirstier than most cars here

Toyota Yaris 1.5 Hybrid
£10,990£17,000 to buy · group 14 · est. insurance £148/mo
£226/mo
Running: £148 insurance + £17 tax + £57 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £96£222/mo (£1,154£2,663/yr). Sparse data for this model — a rough indication only, so we show a wider range.

Why this one: Passed its MOT more often than most cars here (10% failure rate, 2023 DVSA data) · 5-star Euro NCAP (tested 2020) · 65 mpg — sips fuel at your mileage

Worth knowing: Our premium estimate for this car is rough — treat the range, not the number

Vauxhall Corsa 1.2 (F)
£8,795£11,980 to buy · group 10 · est. insurance £133/mo
£227/mo
Running: £133 insurance + £17 tax + £73 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £86£199/mo (£1,035£2,388/yr). Sparse data for this model — a rough indication only, so we show a wider range.

Why this one: Passed its MOT more often than most cars here (8% failure rate, 2023 DVSA data) · 4-star Euro NCAP (tested 2019) · £10,494 to buy — an outright purchase, nothing financed

Worth knowing: Our premium estimate for this car is rough — treat the range, not the number

Skoda Kamiq 1.0 TSI
£11,495£14,498 to buy · group 10 · est. insurance £135/mo
£227/mo
Running: £135 insurance + £17 tax + £71 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £87£202/mo (£1,049£2,421/yr). Sparse data for this model — a rough indication only, so we show a wider range.

Why this one: Passed its MOT more often than most cars here (10% failure rate, 2023 DVSA data) · 5-star Euro NCAP (tested 2019) · £12,996 to buy — an outright purchase, nothing financed

Worth knowing: Our premium estimate for this car is rough — treat the range, not the number

Dacia Sandero Stepway 1.0
£9,183£10,998 to buy · group 10 · est. insurance £132/mo
£228/mo
Running: £132 insurance + £17 tax + £74 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £86£198/mo (£1,032£2,381/yr). Sparse data for this model — a rough indication only, so we show a wider range.

Why this one: £9,999 to buy — an outright purchase, nothing financed · £228/mo to keep on the road — costed from insurance, tax, fuel and MOT, nothing hidden

Worth knowing: 2-star Euro NCAP (2021) — below the safety bar most rivals clear

Hyundai i20 1.0 T-GDi (Mk3)
£11,554£14,800 to buy · group 11 · est. insurance £138/mo
£229/mo
Running: £138 insurance + £17 tax + £70 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £89£206/mo (£1,073£2,477/yr). Sparse data for this model — a rough indication only, so we show a wider range.

Why this one: 4-star Euro NCAP (tested 2021) · £13,180 to buy — an outright purchase, nothing financed · £229/mo to keep on the road — costed from insurance, tax, fuel and MOT, nothing hidden

Worth knowing: Our premium estimate for this car is rough — treat the range, not the number

Honda Jazz 1.3
£7,660£12,495 to buy · group 13 · est. insurance £141/mo
£229/mo
Running: £141 insurance + £17 tax + £66 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £92£212/mo (£1,102£2,543/yr). Sparse data for this model — a rough indication only, so we show a wider range.

Why this one: Passed its MOT more often than most cars here (10% failure rate, 2023 DVSA data) · 5-star Euro NCAP (tested 2015) · £9,992 to buy — an outright purchase, nothing financed

Worth knowing: Our premium estimate for this car is rough — treat the range, not the number

SEAT Leon 1.0 TSI
£7,840£12,498 to buy · group 13 · est. insurance £141/mo
£230/mo
Running: £141 insurance + £17 tax + £67 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £92£212/mo (£1,100£2,538/yr). Sparse data for this model — a rough indication only, so we show a wider range.

Why this one: 5-star Euro NCAP (tested 2020) · £9,745 to buy — an outright purchase, nothing financed · £230/mo to keep on the road — costed from insurance, tax, fuel and MOT, nothing hidden

Worth knowing: Our premium estimate for this car is rough — treat the range, not the number

Kia Stonic 1.0 T-GDi
£12,530£16,000 to buy · group 10 · est. insurance £135/mo
£231/mo
Running: £135 insurance + £17 tax + £74 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £88£203/mo (£1,056£2,438/yr). Sparse data for this model — a rough indication only, so we show a wider range.

Why this one: Passed its MOT more often than most cars here (8% failure rate, 2023 DVSA data) · £14,498 to buy — an outright purchase, nothing financed · £231/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

Peugeot 208 1.2 (Mk2)
£7,950£12,205 to buy · group 12 · est. insurance £138/mo
£231/mo
Running: £138 insurance + £17 tax + £71 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £90£207/mo (£1,078£2,487/yr). Sparse data for this model — a rough indication only, so we show a wider range.

Why this one: Passed its MOT more often than most cars here (12% failure rate, 2023 DVSA data) · 4-star Euro NCAP (tested 2019) · £9,995 to buy — an outright purchase, nothing financed

Worth knowing: Our premium estimate for this car is rough — treat the range, not the number

Peugeot 2008 1.2 PureTech
£10,489£12,998 to buy · group 12 · est. insurance £140/mo
£232/mo
Running: £140 insurance + £17 tax + £71 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £91£210/mo (£1,090£2,516/yr). Sparse data for this model — a rough indication only, so we show a wider range.

Why this one: 4-star Euro NCAP (tested 2019) · £11,926 to buy — an outright purchase, nothing financed · £232/mo to keep on the road — costed from insurance, tax, fuel and MOT, nothing hidden

Worth knowing: Our premium estimate for this car is rough — treat the range, not the number

Toyota Corolla 1.8 Hybrid
£13,194£17,698 to buy · group 15 · est. insurance £152/mo
£232/mo
Running: £152 insurance + £17 tax + £59 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £99£228/mo (£1,186£2,736/yr). Sparse data for this model — a rough indication only, so we show a wider range.

Why this one: Passed its MOT more often than most cars here (11% failure rate, 2023 DVSA data) · 5-star Euro NCAP (tested 2019) · 63 mpg — sips fuel at your mileage

Worth knowing: Our premium estimate for this car is rough — treat the range, not the number

Ford Puma 1.0 mHEV
£12,800£16,996 to buy · group 12 · est. insurance £142/mo
£234/mo
Running: £142 insurance + £17 tax + £71 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £92£213/mo (£1,105£2,550/yr). Sparse data for this model — a rough indication only, so we show a wider range.

Why this one: Passed its MOT more often than most cars here (7% failure rate, 2023 DVSA data) · 5-star Euro NCAP (tested 2019) · £14,760 to buy — an outright purchase, nothing financed

Worth knowing: Our premium estimate for this car is rough — treat the range, not the number

Vauxhall Astra 1.2
£3,895£8,996 to buy · group 14 · est. insurance £141/mo
£236/mo
Running: £141 insurance + £17 tax + £74 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £92£211/mo (£1,098£2,534/yr). Sparse data for this model — a rough indication only, so we show a wider range.

Why this one: 5-star Euro NCAP (tested 2015) · £6,750 to buy — an outright purchase, nothing financed · £236/mo to keep on the road — costed from insurance, tax, fuel and MOT, nothing hidden

Worth knowing: Our premium estimate for this car is rough — treat the range, not the number

Vauxhall Mokka 1.2
£10,842£13,488 to buy · group 13 · est. insurance £143/mo
£239/mo
Running: £143 insurance + £17 tax + £74 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £93£215/mo (£1,117£2,577/yr). Sparse data for this model — a rough indication only, so we show a wider range.

Why this one: 4-star Euro NCAP (tested 2021) · £12,299 to buy — an outright purchase, nothing financed · £239/mo to keep on the road — costed from insurance, tax, fuel and MOT, nothing hidden

Worth knowing: Our premium estimate for this car is rough — treat the range, not the number

Honda Jazz 1.5 e:HEV
£13,095£18,822 to buy · group 19 · est. insurance £167/mo
£247/mo
Running: £167 insurance + £17 tax + £59 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £108£250/mo (£1,301£3,003/yr). Sparse data for this model — a rough indication only, so we show a wider range.

Why this one: 5-star Euro NCAP (tested 2020) · 63 mpg — sips fuel at your mileage · £16,990 to buy — an outright purchase, nothing financed

Worth knowing: Our premium estimate for this car is rough — treat the range, not the number

Audi A1 30 TFSI
£14,000£17,995 to buy · group 15 · est. insurance £152/mo
£248/mo
Running: £152 insurance + £17 tax + £74 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £99£228/mo (£1,187£2,739/yr). Sparse data for this model — a rough indication only, so we show a wider range.

Why this one: Passed its MOT more often than most cars here (10% failure rate, 2023 DVSA data) · 5-star Euro NCAP (tested 2019) · £16,000 to buy — an outright purchase, nothing financed

Worth knowing: Our premium estimate for this car is rough — treat the range, not the number

Suzuki Swift 1.2 SHVS
£7,950£13,472 to buy · group 19 · est. insurance £161/mo
£250/mo
Running: £161 insurance + £17 tax + £67 fuel (6,500 mi at £1.51/L, DESNZ Jul 2026) + £5 MOT — excludes servicing.
Insurance likely £105£242/mo (£1,259£2,906/yr). Sparse data for this model — a rough indication only, so we show a wider range.

Why this one: Passed its MOT more often than most cars here (8% failure rate, 2023 DVSA data) · £10,256 to buy — an outright purchase, nothing financed · £250/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

Running cost = estimated insurance at your age + road tax + fuel (average 6,500 miles at £1.51/L petrol or £1.65/L diesel, DESNZ Jul 2026) + MOT — excludes servicing. The car price is a one-off you pay upfront; we don’t assume a loan. Car prices vary by year, spec and mileage. Indicative figures based on public data for a black-box policy — not a quote.

Figures checked July 2026

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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.

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.

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