Car insurance is something we all need in order to legally drive in the UK and beyond. It ensures that both you and the vehicle are covered in the event of an accident.
The factors that determine the total cost of your insurance include your age, driving history, address, and occupation. Everyone’s insurance cost is different, but you can determine part of it by looking at which insurance group your car sits in.
In the UK, car insurance group numbers range from 1 to 50, with one being the cheapest and 50 being the most expensive.
Here's a list of the cheapest electric cars to insure, based on their insurance group.
Smart EQ ForFour (insurance group 9)
The Smart car is pretty much the perfect city car because of its decent 70-mile range and small proportions. If you live in a big city and need a very small car with cheap insurance, this is the obvious choice.
Volkswagen e-Up (insurance group 10)
Since Volkswagen discontinued the plucky electric Up, buyers have been looking all over the used car market to find them because they offer great value for money and they’re cheap to insure – making them perfect for new EV drivers.
Unlike its Smart rival, however, the e-Up offers up to 160 miles of range – making it a better option for those who may need to make that occasional longer journey out of the city.
SEAT Mii Electric (insurance group 12)
If you’re not a brand snob and like the e-Up but want something a little cheaper, we highly recommend the SEAT Mii Electric.
It’s essentially a rebadged version of the VW, so stats-wise it’s identical – SEAT claims it’ll do two more miles on one charge, but you won’t notice this in the real world.
There are some great examples up for grabs on the used car market and they’re often priced a little lower than the Mii's German relative. Insurance costs are also minimal, which is always a bonus.
Renault Zoe (insurance group 14)
One of the best small electric cars on the market is the Renault Zoe. This is a car that’s no bigger than a Ford Fiesta, but it's one that offers up to 238 miles of range, all the tech you could need, and plenty of practicality.
It’s also cheap to insure, thanks to its group ranking of 14 out of the total 50. If you’re looking for an affordable city car that can do the odd longer journey, then this is your best bet.
Volkswagen e-Golf (insurance group 15)
Everyone’s familiar with the Volkswagen Golf, but not everyone is as clued up on its all-electric variant – the e-Golf.
It's the same as its combustion engine cousin, except it uses an electric motor and sits on a tray of large batteries instead of the petrol or diesel engine you’d ordinarily find under the bonnet.
Aside from being very recognisable and approachable, the electric Golf is also cheap to insure, sitting in group 15.
Hyundai Ioniq Electric (insurance group 16)
Like the Nissan Leaf, Hyundai’s Ioniq Electric hatchback has been on sale for quite a long time now, meaning that used car prices are looking very attractive for first-time EV buyers and seasoned EV lovers alike.
Powering the Ioniq is a 28kWh battery that’s mated to an electric motor to produce 120hp, and it can return up to 183 miles on a single charge. This is perfect for most people’s weekly commute – especially if you do a lot of town and city driving.
Volkswagen ID.3 (insurance group 18)
If the e-Golf isn’t exactly what you want from an electric car and you fancy something designed from the ground up, then VW’s ID.3 is the only way to go.
This electric hatchback has won awards for its exterior, interior, and overall greatness. It’s hard to be disappointed by the brand’s latest flagship car – plus, it’s cheap to insure.
The ID.3 sits in insurance group 18, which may sound high on this list but in the grand scheme of things, it’s very low.
Kia Soul (insurance group 18)
Not only is it one of the cheapest out there, but it also offers a great range of up to 280 miles and it comes packed full of great safety features and tech.
So, while its insurance may be slightly higher than the Smart at the top of this list, we’d argue it’s worth it.
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