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Ford Fiesta

For many young people, the thrill of passing your test can soon be eclipsed by the realisation of sky high insurance premiums. Car Insurance has long been a teenager’s worst enemy, and with prices rumoured to rise again in 2015 there is no escape from those pesky insurance premiums…or is there?

Although buying a car can a pretty time intensive process, doing the research does pay off. Finding the time to research the true lifetime cost of running the vehicle with insurance, tax, service costs and reliability can be a difficult task to achieve.

Well we’re here to help and this list has been produced to showcase the most cost-efficient used cars that will reduce the sting of insurance. 

1. Hyundai i10


This practical and reliable city car is known for its great fuel economy and due to its size, it's very easy to park. Even though the size of the car is quite small, the interior is spacious meaning it proves practical if you are carrying a full load. On average, a used Hyundai i10 1.1 Edition 5dr 2010 (10) (Petrol) has an average combined fuel consumption of 58.9 mpg, within insurance band 2 and in tax band C with an annual cost of £30.  

Used Hyundai i10s

Seat Mii

2. Seat Mii


A slightly larger city car than the Hyundai i10 and doesn't feel out of its depth if it is used for motorway driving. This vehicle is very affordable, stylish, robust, and drops into the lowest insurance band. The Seat Mii 1.0 SE 3dr 2012 (12) (Petrol) has an average combined fuel consumption of 62.8 mpg and in tax band C with an annual cost of £30.

Used Seat Miis

Dacia Sandero

3. Dacia Sandero


Part of Renault's budget brand, the Dacia Sandero is very practical and sensible. If you want something that will take you from A to B without costing you an arm and a leg this is the car for you. Yes, the design is quite minimal, but what it lacks in style, it makes up in economy, making the Dacia Sandero a very sensible purchase. The Dacia Sandero 0.9 TCe Laureate 5dr 2013 (62) (Petrol) is within insurance band 7. This model has a combined fuel efficiency of 54.3 mpg and in tax band C with an annual road tax of just £30.

Used Dacia Sanderos

Ford Fiesta

4. Ford Fiesta


It's not the most popular car of all time for no reason. This car is one for style and absolutely fantastic to drive. They have models with EcoBoost, providing even better fuel efficiency. Ensure you become familiar with the range as some models can offer more gadgets than others, but all models seem to provide the perfect balance between economy and style. The Ford Fiesta 1.25 Zetec 3dr 2010 (60) (Petrol) is within insurance band 7. The average combined fuel efficiency is 49.6 mpg and in tax band D with an annual road tax of just £110.

Used Ford Fiestas

Ford Ka

5. Ford KA


The Ford KA has become a firm favourite since introduced to Ford's range back in 1996 and based closely on the Mark IV Ford Fiesta, but with a completely different exterior. It's a fun little model was so much fun to drive and regularly receives praise for being great to drive. Although the smallest car in the Ford range, the engine is more than adequate at getting up to speed and although it doesn't feel as spacious inside as some of its counterparts, it size makes parking a doddle. The Ford Ka 1.2 Studio 3dr 2014 (64) (Petrol) is within insurance band 3. The average combined fuel efficiency is 57.6 mpg and in tax band C with an annual road tax of just £30.

Used Ford KAs

Kia Cee'd

6. Kia Cee'd


Larger than most on this list, the Kia Cee'd competes strongly with compact hatchback rivals on space, style and quality. This is a great vehicle if you need a car that's going to cost little on servicing, is cheap to run and has lots of space. This car would suit a more experienced younger driver as the insurance premium is likely to be too much for a first car,  but for lifetime value, it's a great option. The Kia Cee'd 1.6 SR 5dr 2008 (08) (Petrol) is within insurance band 17. The average combined fuel efficiency is 46.3 mpg and in tax band F with an annual road tax of just £145.

Used Kia Cee'ds

Volkswagen up!

7. Volkswagen up!


The Volkwagen up! holds the title as being the brands smallest car. This car has many perks, being easy to handle when negotiating narrow city streets, low running costs and surprisingly large boot space. This is great for a driver who has not long passed their test, due to its ride, handling and its cost to maintain. The Volkswagen up! 1.0 Take 3dr 2013 (13) is within insurance band 1. The average combined fuel efficiency is 62.8 mpg and in tax band B with an annual road tax of just £20.

Used Volkswagen ups

Vauxhall Adam

8. Vauxhall Adam

This car is Vauxhalls solution to a smart city car. This small, smart and stylish vehicle is a very affordable car, with a very nice feel. It's very alert around winding roads, has a stylish interior and is very comfortable to drive. Due to its slightly larger engine, this vehicle is quite punchy and won't struggle on motorways, but don't worry, this car is still fuel efficient and can save you even more through its Start/Stop function, which will automatically turn off your Adam's engine in stand-still traffic. The Vauxhall Adam 1.2i Jam 3dr 2013 (13) (Petrol) is within insurance band 3. The average combined fuel efficiency is 54.3 mpg and in tax band D with an annual road tax of just £110.

Used Vauxhall Adams

Citroen C1

9. Citroen C1

Available in three and five door models, Citroen have created a small, cheap to run and stylish motor when they manufactured the C1. Having a lot in common with the Hyundai i20, Seat Mii and Volkwagen up!, it benefits from great fuel efficiency, handling and easy manoeuvrability. The C1 also is equipped with remote central locking, electric windows and a two-speaker MP3 stystem, and that's just the basic model. If you require air conditioning, the Feel model is the one for you. The Citroen C1 1.0i VTR 5dr 2012 (12) is within insurance band 3. The average combined fuel efficiency is 62.8 mpg and in tax band B with an annual road tax of just £20.

Used Citroen C1s

Peugeot 108

10. Peugeot 108

Peugeot gave the 108 a very unique style, with its 'floating' chrome grille and narrow headlights, plus many different colour options will be available on the market, due to the themes available when purchased new. The main perks of the 108 are the ease to drive around built-up areas and the fuel-efficiency of this car. The latter can also be increased by looking at the e-VTi rather than the standard VTi, this also boost's CO2 emissions. The Peugeot 108 1.2 VTi Allure 3dr 2014 (14) is within insurance band 11. The average combined fuel efficiency is 65.7 mpg and in tax band A with free annual road tax.

Used Peugeot 108s

Renault Clio

11. Renault Clio

Last but not least, the Renault Clio. The Clio remains one of the core cars in the market to this day. The French do know how to do style, and with this car you certainly get that. With a moderate price range and fuel consumption, it's perfect for those who have a little more to spend. The Renault Clio 1.2 16V Expression 5dr 2008 (58) is within insurance band 8. The average combined fuel efficiency is 47.9 mpg and in tax band A with free annual road tax of just £130.

Used Renault Clios