YOUNG drivers are almost always hit with huge premiums due to their age and inexperience when it comes to insuring their car.
Prices often spike so much that it’s common for new motorists to spend more on insurance than they do on the motor itself.
The amount you pay for insurance depends on a range of factors, from where you live to where you keep the car and even what you do for a living – but if you’re a youngster, age will always be the main factor.
And the best way to keep your premium as low as possible if you’re new to the road is to choose the right car.
All vehicles have insurance ratings attached to them, and these motors have the lowest insurance groups on the market.
With the average young driver forking out close to £2,000 a year on insurance, one of these cars should see you pay around half that figure.
The Ka+ is Ford’s supermini, an entry-level car that’s smaller than the more popular Fiesta model.
But what it lacks in size, it makes up for in practicality and value-for-money.
With an insurance group of 1E (the cheapest group to insure), the 1.2 TiVCT 70 horsepower Studio version is one of the cheapest cars to cover on the market.
The Japanese automaker’s Micra comes with plenty of safety equipment and customisation options, making it a very attractive low insurance car.
If you opt for the 1.0-litre, 71hp petrol engine you can choose from a range of trim levels, all of which have a 1E insurance group.
The model also comes in 1.2, 1.5 and 1.6-litre engine sizes, as well as a 1.5-litre diesel but these will bump up your insurance slightly.
Volkswagen’s Polo is one of the market’s standout small cars, with great build quality and plenty of creature comforts.
For those that select the 1.0-litre, 65hp engine, you can have it in S, SE or Beats trim while staying in the 1E insurance group.
If you’re happy with the SE trim, you can also have the 75hp version in the same group.
A compact runabout, the C1 has long been hailed for its eco-friendly 1.0-litre petrol engine.
The low-emission city car is cheap to buy and even cheaper to run.
And while the base model won’t come with many bells and whistles, even splashing out for some optional extras won’t push the price up over your budget.
The Vibe and Airplay versions come with the lowest insurance groups.
Smart’s quirky ForFour isn’t to be confused with the smaller and more common Smart ForTwo.
Whereas that has just two seats, the ForFour has room for four, with two sets of doors but a still-diminutive size.
In 1.0-litre, 71hp Pure trim, it has a low insurance group of 1E.
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The Up! is Volkswagen’s smallest car, but it’s an excellent city runabout with plenty of style behind the wheel.
If you specify the 1.0-litre, 60hp engine, you can have a three-door or five-door model in Move or Take trims without straying out of the cheap 1E insurance group.
It also comes in three different turbo-charged versions – but expect to pay more for your insurance if you opt for one of these.