Skip advert
Advertisement
Best cars

Best insurance group 3 cars

Cars in insurance group three are some of the cheapest to insure – find out which are the best

Hyundai i10 driving

If you’re looking to save money on your car insurance, one method that will help reduce the cost of your policy is opting for a car in a low insurance group. Insurers consider many factors when deciding which insurance group a car falls into, from its purchase price to the likelihood of it being involved in an accident. There are 50 insurance groups, with higher groups costing more to insure – so cars in group three are some of the most affordable.

Advertisement - Article continues below

For the cheapest possible insurance premiums, you’ll have to look at cars in groups one and two, but the cars on this list are still at the affordable end of the scale and often come with more equipment.

black box insuranceBlack box car insurance: pros, cons, rules and how young drivers can save

As well as the cars in insurance group three, we have also covered insurance groups one, two and four, so be sure to read those lists for the full picture of cheap-to-insure cars. While all these cars are hatchbacks, our top 10 list of the best cheap-to-insure cars covers a wider range of different body styles in low insurance groups, from small cars to models better suited to families.

Kia Picanto review – facelifted city car with lots to offer

Kia Picanto facelift review
Carbuyer rating

4.2 out of 5

Read full review

Appearing in insurance groups from one through to 11, the Kia Picanto is also positioned in insurance group three, this time in both ‘2’ and ‘X-Line S’ trim levels.

Skip advert
Advertisement
Skip advert
Advertisement - Article continues below

Whereas the Picanto models in lower groups had to be optioned with an automatic gearbox, the ‘2’ model in group three is fitted with the six-speed manual. This will appeal to buyers who find the automatic version’s 16.6-second 0-60mph too sluggish, as well as those who want the best fuel economy from their city car.

The Picanto ‘2’ costs around £14,500, making it one of the cheapest new cars to buy as well as insure. You’ll pay around £3k more for the ‘X-Line S’ model, but this brings with it a more powerful engine, an automatic gearbox, and a host of interior and exterior upgrades.

SEAT Ibiza review - a stylish and spacious supermini

SEAT Ibiza hatchback
Carbuyer rating

4.2 out of 5

Read full reviewWatch video

We think that the SEAT Ibiza is one of the best superminis on the market, and its position in insurance group three provides another budget-friendly string to its bow. Based on the Volkswagen Polo, it has a sharp exterior design with all the interior kit you would expect at this price point, backed up by a driving experience that belies its small size.

Advertisement - Article continues below

The Ibiza model in insurance group two is the ‘SE’ spec, complete with the same 1.0-litre engine and five-speed manual gearbox as found in the cheapest Volkswagen Polo. Although the equivalent Polo sits in insurance group one, meaning it should be cheaper to insure, the Ibiza costs less to buy, starting from just under £20k.

Hyundai i10 review - tech-filled and practical small car

hyundai i10 facelift
Carbuyer rating

4 out of 5

Read full review

Another firm favourite for new drivers, the Hyundai i10 shares its underpinnings, as well as its place in insurance group three, with the Kia Picanto. There’s a long five-year/100,000-mile warranty, affordable maintenance costs, a frugal 1.0-litre petrol engine, and of course, cheap insurance.

The £16,000 entry-level ‘Advance’ trim with the five-speed automatic gearbox is the version found in this group. It’s not as fun to drive or as efficient as the manual car, but it’s the one to go for if you want the cheapest insurance premium (the manual version sits in group five). 

Looking for cheap car insurance? Read the tips and advice articles below:

Skip advert
Advertisement
Skip advert
Advertisement

Recommended

The best small cars and superminis in 2024
The best small cars and superminis
Best cars
17 Oct 2024

The best small cars and superminis in 2024

Top 10 most reliable cars 2024
Most reliable cars
Best cars
31 Jul 2024

Top 10 most reliable cars 2024

Kia Picanto review – facelifted city car with lots to offer
Kia Picanto facelift review
In-depth reviews
19 Jul 2024

Kia Picanto review – facelifted city car with lots to offer

The smallest cars to buy in 2024
smallest cars on sale
Best cars
17 Jul 2024

The smallest cars to buy in 2024

Most Popular

Jaguar Type 00 concept revealed: a bold electric future for the British brand
Jaguar Type 00
News
3 Dec 2024

Jaguar Type 00 concept revealed: a bold electric future for the British brand

Best new car deals 2024: this week’s top car offers
Carbuyer best new car deals hero
Deals
6 Dec 2024

Best new car deals 2024: this week’s top car offers

Vauxhall Frontera review – hybrid or electric, it’s up to you
Vauxhall Frontera front quarter driving
In-depth reviews
5 Dec 2024

Vauxhall Frontera review – hybrid or electric, it’s up to you

Tips & advice

View All
Car dashboard warning lights: what does each symbol mean?
Car dashboard symbols and meanings
Tips and advice
21 Oct 2024

Car dashboard warning lights: what does each symbol mean?

Electric car charging stations: public networks, charger types, apps and maps
Charging station
Tips and advice
23 Jul 2024

Electric car charging stations: public networks, charger types, apps and maps

PCP vs HP – which type of car finance is right for you?
PCP vs HP
Tips and advice
17 May 2022

PCP vs HP – which type of car finance is right for you?

Average speed cameras: how do they work?
Average speed cameras: how do they work?
Tips and advice
21 Mar 2024

Average speed cameras: how do they work?

Best cars

View All
Top 10 best car interiors
Peugeot 208 hatchback
Best cars
25 Jun 2021

Top 10 best car interiors

Top 10 best electric cars 2024
Best electric cars
Best cars
16 May 2024

Top 10 best electric cars 2024

Top 10 best cheap-to-run cars 2024
The best cheap-to-run cars 2023
Best cars
2 Jan 2024

Top 10 best cheap-to-run cars 2024

The UK's top 10 fastest hot hatchbacks 2024
Fastest hot hatchbacks hero
Best cars
2 Jan 2024

The UK's top 10 fastest hot hatchbacks 2024