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For many young people, the thrill of passing your driving 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 there is no escape from those pesky insurance premiums…or is there?

Although buying a car can be 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. Speaking of tax, one thing to note is that vehicles registered from 1st April 2017 are subject to the new tax rules, which means a flat rate of £140 a year for all cars that emit CO2.

Not to worry though, 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. Vauxhall ADAM Energised

This is Vauxhall's solution to a smart city car. A small, smart and stylish vehicle, the Adam is a highly affordable car with a nice feel. It's alert around winding roads, has a stylish interior and is very comfortable to drive. It's highly fuel efficient thanks to its Start/Stop function and the Energised trim includes great tech such as Vauxhall's IntelliLink infotainment system, DAB digital radio and Bluetooth/iPod connectivity. The Vauxhall Adam 1.2i Energised 3-door is in insurance band 2 and has an average combined fuel efficiency of 50.4 mpg and has annual road tax of £140.

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Adam-Energised

2. Vauxhall Corsa Energy

The Corsa is hugely popular with young drivers and with good reason. It's easy to drive, has low running costs and is roomy for a supermini. It's well equipped throughout the range, and with the Energy trim you get a lot for your money, with equipment such as Vauxhall IntelliLink, automatic headlamps, cruise control and Bluetooth. The Vauxhall Corsa 1.4 (100) Energy 5-door is in insurance band 11. It has a combined fuel efficiency of 50.4mpg and has an annual road tax cost of £140.

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Corsa-Energy

3. Ford Focus ST-Line

The Ford Focus boasts an athletic exterior design while the handling is equally sporty. The steering is brilliantly responsive making it a joyous car to drive, and the sports-inspired ST-Line models are even more impressive. They've got performance styling inside and out plus great technology such as Ford SYNC2, keyless start and climate control. The Ford Focus 1.0 EcoBoost 125 ST-Line 5-door is in insurance band 12. It has a combined fuel efficiency of 56.5mpg and yearly road tax is £140. 

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Focus-ST-Line

4. Ford Fiesta ST-Line

It's not the most popular car in Britain of all time for no reason. This car is no.1 for style and being absolutely fantastic to drive. The EcoBoost engines are highly economical, particularly the award-winning 1.0-litre, and there's a fantastic range of equipment. The ST-Line models add enhanced performance, sportier styling, and even more tech such as an 8-inch touchscreen with Ford SYNC2, Bluetooth with voice control and keyless go. The Ford Fiesta 1.0 (125) ST-Line 3-door is in insurance band 12. It has a combined fuel efficiency of 58.9mpg and yearly road tax is £140. 

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Fiesta-ST-Line

5. Nissan Micra

Ideal for the city, the Micra is the ideal blend of low running costs and quality. Not only are they easy to drive, but they're surprisingly practical, with a good amount of cabin and boot space plus a premium interior. The Visia+ trim is well-equipped, coming with air con, Bluetooth, automatic headlamps, and a range of modern safety equipment such as lane departure warning. In other words, you get an awful lot for your money, and if you and your friends want to zip around town in style, the Micra is the car to go for.  The Nissan Micra IG-71 Visia+ 3-door is in insurance band 5. It has a combined fuel efficiency of 53.3mpg with an annual road tax of £140.

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Nissan-Micra

6. Dacia Sandero

For the 6th year in a row, the Dacia Sandero has been voted Best Small Car (under £12,000) at the prestigious What Car? Awards. It's easy to see why this is considered the best budget small car, as it's highly practical and sensible, with a 320-litre boot and decent fuel economy. The top trim level, Comfort, is still incredibly good-value and gives you a bit more in terms of equipment, coming with a 7-inch touchscreen, sat nav and cruise control. If you're after a car that'll do a good job at minimal cost, the Sandero is the one for you. The Dacia Sandero 0.9 TCe Comfort 5-door is in insurance band 10. This model has a combined fuel efficiency of 52.3 mpg and has an annual road tax of £140.

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Dacia-Sandero

7. Renault Clio

Ah, 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 TCe 75 Play 3-door is in insurance band 3. The average combined fuel efficiency is 56.5 mpg and annual road tax is £140.

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Renault-Clio

8. 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. New Hyundai models come with a 5-year unlimited mileage warranty too, so nearly-new 2018 models are very worthwhile investments. They're well equipped too - the popular and affordable SE trim comes with air con, DAB Digital Radio and Bluetooth. A used Hyundai i10 1.0 SE 5-door has an average combined fuel consumption of 55.4 mpg, is in insurance band 2 and annual road tax is £140.  

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Hyundai-i10

9. 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 insurance band 2. The Seat Mii 1.0 Design 5-door has an average combined fuel consumption of 65.7 mpg and annual road tax of £140.

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SEAT-Mii

10. KIA Picanto

The KIA Picanto is a great compact city car ideal for young drivers. New KIAs come with a 7-year warranty, so used recent models represent excellent value. A warranty of this length shows how confident KIA are in their cars, so you can expect your Picanto to be reliable. They're also economical and practical, with the 5-door models in particular offering an impressive amount of space for a small car, and fun to drive too. The KIA Picanto 1.0 2 5-door is in insurance band 5. It has an average combined fuel consumption of 56.5mpg and annual tax is £140.

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Kia-Picanto

11. Citroen C1

Available in three and five door models, Citroen created a small, cheap to run and stylish motor when they designed the C1. It benefits from great fuel efficiency, handling and easy manoeuvrability and is well-equipped with a range of useful technology. The Citroen C1 3-door is in insurance band 6. The average combined fuel efficiency is 68.9 mpg and annual road tax is £140.

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Citroen-C1

12. Peugeot 108

If you're a young driver looking for something stylish, the Peugeot 108 is a great option. It's beautifully designed on the outside and well-equipped on the inside, with plenty of desirable tech available. It's nippy to drive too and offers superb value, with some great spec models available for very affordable prices. The Peugeot 108 3-door starts in insurance band 11. It has an impressive average combined fuel consumption of 65.7mpg and thanks to its low emissions is in the old tax band A - meaning some are tax free!

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Peugeot-108

13. DS 3

The DS 3 offers style and plenty of personalisation options for young drivers. It's a lightweight car that's punchy to drive and is well-equipped. There are plenty of body and roof colour options out there on the market too, so you'll be sure to find a DS 3 that you'll truly love. The DS 3 3-door starts in insurance band 18. It has an average combined fuel consumption of 61.4mpg and has a standard tax rate starting from £140.   

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DS3

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