List of cars in insurance group 12

Find out the cars available in car insurance group 12 and how much it might cost to insure them.

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Insurance group 12 cars tend to be on the cheaper side to insure. With group 12 being at the lower end of insurance groups, the vehicles that appear in this category score well in factors used to determine the group ratings. These ratings include less powerful engines, good car safety features and being relatively cheap to repair.

In this guide, you’ll learn more about these ratings and how this affects the vehicles in this group.

Car insurance groups explained

With car insurance, all vehicles are assigned an insurance group from 1 to 50. Group 1 is packed with the cheapest cars to insure and group 50 has the most expensive. These groups help to determine the cost of your premiums. The group that a particular model fits into is usually determined by its value and performance, as well as safety and security features.

With that said, there are other personal factors that insurers take into account, such as your age and location. Your driving history is also important.

Car makes and models in insurance group 12

You’ll notice a number of popular cars in insurance group 12. As mentioned, these are all likely to come with an affordable car insurance policy.

Insurance groupCar make/modelDetails
12BMW 1 SeriesThis premium hatchback has bright, front wheel drive steering. Its strong and sturdy craftsmanship saw it scoop Best Family Car at the What Car? Awards 2020.
12Volkswagen PoloA hugely popular car that won the “Small Car Of The Year” at the What Car? Awards in 2020.
12Peugeot 108This popular city car has stellar, eye-catching looks and delivers low emissions through its standard 1.0 litre engine. Perfect for the sophisticated city lifestyle.
12Skoda CitigoSkoda’s city car offers practical performance and an impressive fuel economy, as well as good storage solutions in the cabin and glovebox.
12SEAT AronaThis vehicle won the Small SUV of the Year at the 2019 What Car? Awards. It provides good value for money and cuts no corners on performance.
12Citroen C1This fresh and affordable city car is fun and easy to drive. It was rated four stars for safety by Euro NCAP.
12Fiat PandaThis award-winning city car is now in its third generation. The marketing surrounding its latest edition surrounds its top-of-the-range hybrid technology.
12Hyundai i30This sturdy and dependable family car comes with touchscreen navigation and rear and front parking assist. It was awarded five stars for safety by Euro NCAP.

Cars in insurance group 12 and the average cost by driver’s age

The table below could prove helpful. You can use it to find the make and model of your car, then calculate how much your car insurance will cost based on your age.

Make Model / Version Group (1-50) 20yrs 30yrs 40yrs 50yrs Get quote
Alfa Romeo mito 1.3 JTDM (95ps) Turismo 3d 12 £1,281 £743 £651 £525 Get Quote
Audi A1 1.2 TFSI Contrast Edition Plus 3d 12 £1,281 £743 £651 £525 Get Quote
BMW 1 Series 114i ES (Business Media) 3d 12 £1,281 £743 £651 £525 Get Quote
BMW 1 Series 114i ES (Business Media) 5d 12 £1,281 £743 £651 £525 Get Quote
BMW 1 Series 114i ES (Nav) 3d 12 £1,281 £743 £651 £525 Get Quote
BMW 1 Series 114i ES (Nav) 5d 12 £1,281 £743 £651 £525 Get Quote
BMW 1 Series 114i ES (Professional Media) 3d 12 £1,281 £743 £651 £525 Get Quote
BMW 1 Series 114i ES (Professional Media) 5d 12 £1,281 £743 £651 £525 Get Quote
BMW 1 Series 114i ES 3d 12 £1,281 £743 £651 £525 Get Quote
BMW 1 Series 114i ES 5d 12 £1,281 £743 £651 £525 Get Quote
BMW 2 Series 216d Luxury (04/2018 on) 5d 12 £1,281 £743 £651 £525 Get Quote
BMW 2 Series 216d Luxury Dual-clutch auto (04/2018 on) 5d 12 £1,281 £743 £651 £525 Get Quote
BMW Gran Tourer 216d M Sport (04/2018 on) 5d 12 £1,281 £743 £651 £525 Get Quote
BMW Gran Tourer 216d M Sport Dual-clutch auto (04/2018 on) 5d 12 £1,281 £743 £651 £525 Get Quote
Chevrolet Cruze 1.4 LT 5d 12 £1,281 £743 £651 £525 Get Quote
Citroen c1 Airscape 1.2 VTi Flair 3d 12 £1,281 £743 £651 £525 Get Quote
Citroen c1 1.2 PureTech (82bhp) Flair Edition 3d 12 £1,281 £743 £651 £525 Get Quote
Citroen c1 1.2 PureTech Flair Edition (Leather) 3d 12 £1,281 £743 £651 £525 Get Quote
Citroen c1 1.2 PureTech Flair Edition (Leather) 5d 12 £1,281 £743 £651 £525 Get Quote
Citroen c1 1.2 PureTech Flair Edition 5d 12 £1,281 £743 £651 £525 Get Quote
Citroen c3 1.2 PureTech Flair 5d 12 £1,281 £743 £651 £525 Get Quote
Citroen c3 Picasso 1.6 HDi 8V Selection 5d 12 £1,281 £743 £651 £525 Get Quote
Citroen DS3 Cabrio 1.2 PureTech Dsign 2d 12 £1,281 £743 £651 £525 Get Quote
Citroen DS3 Cabrio 1.2 VTi DSign 2d 12 £1,281 £743 £651 £525 Get Quote
Citroen C4 1.4 VTi VTR 5d 12 £1,281 £743 £651 £525 Get Quote
Citroen berlingo 1.2 PureTech Feel 5d 12 £1,281 £743 £651 £525 Get Quote
Citroen berlingo 1.6 BlueHDi (75bhp) Feel 5d 12 £1,281 £743 £651 £525 Get Quote
Citroen Dispatch 1.6 BlueHDi 95 M 6dr ETG6 6d 12 £1,281 £743 £651 £525 Get Quote
Citroen Dispatch 1.6 BlueHDi 95 XS 6dr ETG6 6d 12 £1,281 £743 £651 £525 Get Quote
Dacia Duster 1.5 dCi (110bhp) Laureate (09/14-) 5d 12 £1,281 £743 £651 £525 Get Quote
Dacia Duster Laureate dCi 110 4x2 EDC auto 5d 12 £1,281 £743 £651 £525 Get Quote
Dacia Sandero Essential Blue dCi 95 5d 12 £1,281 £743 £651 £525 Get Quote
Dacia Logan MPV 1.5 dCi Laureate 5d 12 £1,281 £743 £651 £525 Get Quote
DS 3 1.2 PureTech (82bhp) Chic 3d 12 £1,281 £743 £651 £525 Get Quote
Fiat 500 0.9 TwinAir byGucci 3d 12 £1,281 £743 £651 £525 Get Quote
Fiat 500 0.9 TwinAir byGucci 3d Dualogic 12 £1,281 £743 £651 £525 Get Quote
Fiat 500 0.9 TwinAir Pop Star 3d 12 £1,281 £743 £651 £525 Get Quote
Fiat 500 0.9 TwinAir Pop Star 3d Dualogic 12 £1,281 £743 £651 £525 Get Quote
Fiat 500C 0.9 TwinAir 2d 12 £1,281 £743 £651 £525 Get Quote
Fiat 500C 0.9 TwinAir 2d Dualogic 12 £1,281 £743 £651 £525 Get Quote
Fiat 500C Sport 1.2 69hp 2d 12 £1,281 £743 £651 £525 Get Quote
Fiat 500C Sport 1.2 69hp Dualogic auto 2d 12 £1,281 £743 £651 £525 Get Quote
Fiat 500C Sport Mild Hybrid 1.0 70hp 2d 12 £1,281 £743 £651 £525 Get Quote
Fiat 500L 0.9 TwinAir Beats Edition 5d 12 £1,281 £743 £651 £525 Get Quote
Fiat 500L 1.4 T-Jet Beats Edition 5d 12 £1,281 £743 £651 £525 Get Quote
Fiat 500X 1.4 Multiair S-Design 5d 12 £1,281 £743 £651 £525 Get Quote
Fiat 500X 1.4 Multiair Cross Plus 5d 12 £1,281 £743 £651 £525 Get Quote
Fiat 500X 1.4 Multiair Cross Plus 5d DDCT 12 £1,281 £743 £651 £525 Get Quote
Fiat 500X Cross Plus 1.0 120hp 5d 12 £1,281 £743 £651 £525 Get Quote
Fiat Panda 1.3 Multijet (95bhp) Trekking 5d 12 £1,281 £743 £651 £525 Get Quote
Fiat Punto 0.9 TwinAir Easy (Brio pack) 3d 12 £1,281 £743 £651 £525 Get Quote
Fiat Punto 0.9 TwinAir Easy (Brio pack) 5d 12 £1,281 £743 £651 £525 Get Quote
Fiat Punto 0.9 TwinAir Easy 3d 12 £1,281 £743 £651 £525 Get Quote
Fiat Punto 0.9 TwinAir Easy 5d 12 £1,281 £743 £651 £525 Get Quote
Fiat Punto 0.9 TwinAir GBT (Brio pack) 3d 12 £1,281 £743 £651 £525 Get Quote
Fiat Punto 0.9 TwinAir GBT (Brio pack) 5d 12 £1,281 £743 £651 £525 Get Quote
Fiat Punto 0.9 TwinAir GBT 3d 12 £1,281 £743 £651 £525 Get Quote
Fiat Punto 0.9 TwinAir GBT 5d 12 £1,281 £743 £651 £525 Get Quote
Fiat Doblo 1.6 Multijet Active (Start Stop) Maxi Combi (15-) 5d 12 £1,281 £743 £651 £525 Get Quote
Fiat Doblo 1.6 Multijet Active Maxi Combi (15-) 5d 12 £1,281 £743 £651 £525 Get Quote
Fiat Doblo 1.6 Multijet SX (Start Stop) Maxi Combi (15-) 5d 12 £1,281 £743 £651 £525 Get Quote
Fiat Doblo 1.6 Multijet SX (Start Stop) Maxi Combi 5d 12 £1,281 £743 £651 £525 Get Quote
Fiat Doblo 1.6 Multijet SX Maxi Combi (15-) 5d 12 £1,281 £743 £651 £525 Get Quote
Fiat Doblo 1.6 Multijet SX Maxi Combi 5d 12 £1,281 £743 £651 £525 Get Quote
Ford Fiesta ST-Line (Ford Navigation System) 1.0T EcoBoost 125PS 3d 12 £1,281 £743 £651 £525 Get Quote
Ford Fiesta ST-Line (Ford Navigation System) 1.0T EcoBoost 125PS 5d 12 £1,281 £743 £651 £525 Get Quote
Ford Fiesta ST-Line 1.0T EcoBoost 125PS 3d 12 £1,281 £743 £651 £525 Get Quote
Ford Fiesta ST-Line 1.0T EcoBoost 125PS 5d 12 £1,281 £743 £651 £525 Get Quote
Ford Fiesta 1 (Navigation) 1.0T EcoBoost 125PS 5d 12 £1,281 £743 £651 £525 Get Quote
Ford Fiesta 1 1.0T EcoBoost 125PS 5d 12 £1,281 £743 £651 £525 Get Quote
Ford Focus Zetec (Sync3 DAB Naviagtion System) 1.0 Ford EcoBoost 125PS 5d 12 £1,281 £743 £651 £525 Get Quote
Ford Focus Zetec (Sync3 DAB Naviagtion System) 1.0 Ford EcoBoost 125PS auto 5d 12 £1,281 £743 £651 £525 Get Quote
Ford Focus Zetec 1.0 Ford EcoBoost 125PS 5d 12 £1,281 £743 £651 £525 Get Quote
Ford Focus Zetec 1.0 Ford EcoBoost 125PS auto 5d 12 £1,281 £743 £651 £525 Get Quote
Ford Focus ST-Line (Sync3 DAB Naviagtion System) 1.0 Ford EcoBoost 125PS 5d 12 £1,281 £743 £651 £525 Get Quote
Ford Focus ST-Line (Sync3 DAB Naviagtion System) 1.0 Ford EcoBoost 125PS auto 5d 12 £1,281 £743 £651 £525 Get Quote
Ford Focus ST-Line 1.0 Ford EcoBoost 125PS 5d 12 £1,281 £743 £651 £525 Get Quote
Ford Focus ST-Line 1.0 Ford EcoBoost 125PS auto 5d 12 £1,281 £743 £651 £525 Get Quote
Ford Focus ST-Line (Sync3 DAB Naviagtion System) 1.0 Ford EcoBoost 125PS 5d 12 £1,281 £743 £651 £525 Get Quote
Ford Focus ST-Line (Sync3 DAB Naviagtion System) 1.0 Ford EcoBoost 125PS auto 5d 12 £1,281 £743 £651 £525 Get Quote
Ford Focus ST-Line 1.0 Ford EcoBoost 125PS 5d 12 £1,281 £743 £651 £525 Get Quote
Ford Focus ST-Line 1.0 Ford EcoBoost 125PS auto 5d 12 £1,281 £743 £651 £525 Get Quote
Ford Focus Zetec (Sync3 DAB Naviagtion System) 1.0 Ford EcoBoost 125PS 5d 12 £1,281 £743 £651 £525 Get Quote
Ford Focus Zetec (Sync3 DAB Naviagtion System) 1.0 Ford EcoBoost 125PS auto 5d 12 £1,281 £743 £651 £525 Get Quote
Ford Focus Zetec 1.0 Ford EcoBoost 125PS 5d 12 £1,281 £743 £651 £525 Get Quote
Ford Focus Zetec 1.0 Ford EcoBoost 125PS auto 5d 12 £1,281 £743 £651 £525 Get Quote
Ford Focus 1.0 EcoBoost Hybrid mHEV 125 Active Edition 5d 12 £1,281 £743 £651 £525 Get Quote
Ford Kuga Zetec 1.5 EcoBlue 120PS 5d 12 £1,281 £743 £651 £525 Get Quote
Ford Kuga Zetec 1.5 EcoBlue 120PS auto 5d 12 £1,281 £743 £651 £525 Get Quote
Ford Kuga Titanium 1.5 EcoBlue 120PS 5d 12 £1,281 £743 £651 £525 Get Quote
Ford Kuga Titanium 1.5 EcoBlue 120PS auto 5d 12 £1,281 £743 £651 £525 Get Quote
Hyundai i20 Premium SE Nav 1.0 T-GDi 120PS (06/2018 on) 5d 12 £1,281 £743 £651 £525 Get Quote
Hyundai i30 Premium 1.6 CRDi 110PS 5d 12 £1,281 £743 £651 £525 Get Quote
Hyundai i30 Premium 1.6 CRDi 110PS DCT auto 5d 12 £1,281 £743 £651 £525 Get Quote
Hyundai i30 Premium 1.6 CRDi 115PS 5d 12 £1,281 £743 £651 £525 Get Quote
Hyundai i30 Premium 1.6 CRDi 115PS DCT auto 5d 12 £1,281 £743 £651 £525 Get Quote
Hyundai i40 1.7 CRDi (115bhp) Blue drive Active 5d 12 £1,281 £743 £651 £525 Get Quote
Hyundai Tucson 1.6 GDi N Line 2WD 5d 12 £1,281 £743 £651 £525 Get Quote
Hyundai Tucson 1.7 CRDi Blue Drive Premium 2WD 5d 12 £1,281 £743 £651 £525 Get Quote
Jeep Renegade 1.6 MultiJet II 120hp Limited FWD DDCT auto 5d 12 £1,281 £743 £651 £525 Get Quote
Kia Picanto 1.25 Quantum 3d Auto 12 £1,281 £743 £651 £525 Get Quote
Kia Picanto 1.25 Quantum EcoDynamics 3d 12 £1,281 £743 £651 £525 Get Quote
Kia Sportage 1 1.6 GDi 130bhp 5d 12 £1,281 £743 £651 £525 Get Quote
Kia Sportage 1.7 CRDi ISG 1 5d 12 £1,281 £743 £651 £525 Get Quote
Kia Sportage 1.7 CRDi ISG 4 5d 12 £1,281 £743 £651 £525 Get Quote
Kia Venga 1.6 4 (6speed) 5d Auto 12 £1,281 £743 £651 £525 Get Quote
Kia Venga 1.6 EcoDynamics 3 (Sat Nav) 5d 12 £1,281 £743 £651 £525 Get Quote
Kia Venga 1.6 EcoDynamics 3 5d 12 £1,281 £743 £651 £525 Get Quote
Kia Ceed 3 1.6 CRDi 114bhp DCT auto ISG 5d 12 £1,281 £743 £651 £525 Get Quote
Kia Ceed 3 1.6 CRDi 114bhp ISG 5d 12 £1,281 £743 £651 £525 Get Quote
Kia Ceed 3 1.6 CRDi 114bhp DCT auto ISG 5d 12 £1,281 £743 £651 £525 Get Quote
Kia ProCeed GT-Line 1.6 CRDi 134bhp DCT auto ISG 5d 12 £1,281 £743 £651 £525 Get Quote
Kia ProCeed GT-Line 1.6 CRDi 134bhp ISG 5d 12 £1,281 £743 £651 £525 Get Quote
Kia Stonic SUV First Edition 1.0 T-GDi 118bhp ISG 5d 12 £1,281 £743 £651 £525 Get Quote
Kia Stonic SUV First Edition 1.6 CRDi 108bhp ISG 5d 12 £1,281 £743 £651 £525 Get Quote
Mazda 2 1.5 TS2 5d Auto 12 £1,281 £743 £651 £525 Get Quote
Mazda 2 1.3 Sport Colour Edition 5d 12 £1,281 £743 £651 £525 Get Quote
Mazda 5 1.8 TS 5d 12 £1,281 £743 £651 £525 Get Quote
Mazda CX-30 Skyactiv-G 122ps 2WD SE-L 5d 12 £1,281 £743 £651 £525 Get Quote
Mazda CX-30 Skyactiv-G 122ps 2WD SE-L auto 5d 12 £1,281 £743 £651 £525 Get Quote
Mercedes B-Class B180 CDI ECO SE (11/14-) 5d 12 £1,281 £743 £651 £525 Get Quote
Mercedes B-Class B180 CDI ECO SE Executive 5d 12 £1,281 £743 £651 £525 Get Quote
Mercedes B-Class B180 CDI SE (11/14-) 5d 12 £1,281 £743 £651 £525 Get Quote
Mercedes B-Class B180 CDI SE (11/14-) 5d Auto 12 £1,281 £743 £651 £525 Get Quote
Mercedes B-Class B180 CDI SE Executive 5d 12 £1,281 £743 £651 £525 Get Quote
Mercedes B-Class B180 CDI SE Executive 5d Auto 12 £1,281 £743 £651 £525 Get Quote
Mini Hatchback 1.2 One (Tech Pack) 3d 12 £1,281 £743 £651 £525 Get Quote
Mini Hatchback 1.2 One (Tech Pack) 3d Auto 12 £1,281 £743 £651 £525 Get Quote
Mini Hatchback 1.2 One (Tech Pack) 5d 12 £1,281 £743 £651 £525 Get Quote
Mini Hatchback 1.2 One (Tech Pack) 5d Auto 12 £1,281 £743 £651 £525 Get Quote
Mini Hatchback 1.2 One (Tech/Pepper Pack) 3d 12 £1,281 £743 £651 £525 Get Quote
Mini Hatchback 1.2 One (Tech/Pepper Pack) 3d Auto 12 £1,281 £743 £651 £525 Get Quote
Mini Hatchback 1.2 One (Tech/Pepper Pack) 5d 12 £1,281 £743 £651 £525 Get Quote
Mini Clubman One City Classic (Comfort Pack & Navigation Plus Pack) 6d 12 £1,281 £743 £651 £525 Get Quote
Mini Clubman One City Classic (Comfort Pack & Navigation Plus Pack) Steptronic with double clutch auto 6d 12 £1,281 £743 £651 £525 Get Quote
Mini Clubman One City Classic (Comfort Pack) 6d 12 £1,281 £743 £651 £525 Get Quote
Mini Clubman One City Classic (Comfort Pack) Steptronic with double clutch auto 6d 12 £1,281 £743 £651 £525 Get Quote
Mini Clubman One City Classic 6d 12 £1,281 £743 £651 £525 Get Quote
Mini Clubman One City Classic Steptronic with double clutch auto 6d 12 £1,281 £743 £651 £525 Get Quote
Mini Countryman 1.6 Cooper ALL4 (Chili Pack) 5d 12 £1,281 £743 £651 £525 Get Quote
Mini Countryman 1.6 Cooper ALL4 (Chili Pack) 5d Auto 12 £1,281 £743 £651 £525 Get Quote
Mini Countryman 1.6 Cooper ALL4 (Chili/Media Pack) 5d 12 £1,281 £743 £651 £525 Get Quote
Nissan micra 1.0 DIG-T 117 N-Tec 5d 12 £1,281 £743 £651 £525 Get Quote
Nissan Juke 1.6 (94bhp) Visia 5d 12 £1,281 £743 £651 £525 Get Quote
Nissan Juke 1.6 Visia 5d 12 £1,281 £743 £651 £525 Get Quote
Nissan Juke 1.5 dCi Acenta (Comfort Pack) 5d 12 £1,281 £743 £651 £525 Get Quote
Nissan Juke 1.6 Acenta (Premium Pack) (Start Stop) 5d 12 £1,281 £743 £651 £525 Get Quote
Nissan Juke 1.6 Acenta (Premium Pack) 5d 12 £1,281 £743 £651 £525 Get Quote
Nissan Juke 1.6 Acenta (Premium Pack) 5d CVT 12 £1,281 £743 £651 £525 Get Quote
Peugeot 108 Top 1.2 VT Allure 3d 12 £1,281 £743 £651 £525 Get Quote
Peugeot 108 Top 1.2 VT Allure 5d 12 £1,281 £743 £651 £525 Get Quote
Peugeot 108 1.2 PureTech Roland Garros 3d 12 £1,281 £743 £651 £525 Get Quote
Peugeot 108 1.2 PureTech Roland Garros 5d 12 £1,281 £743 £651 £525 Get Quote
Peugeot 108 Roland Garros 1.2 PureTech 82 3d 12 £1,281 £743 £651 £525 Get Quote
Peugeot 108 Roland Garros 1.2 PureTech 82 5d 12 £1,281 £743 £651 £525 Get Quote
Peugeot 208 Hatchback Active 1.2 PureTech 75 S&S 5d 12 £1,281 £743 £651 £525 Get Quote
Peugeot 208 Hatchback Active Premium 1.2 PureTech 75 S&S 5d 12 £1,281 £743 £651 £525 Get Quote
Peugeot 308 1.2 e-THP Active 5d 12 £1,281 £743 £651 £525 Get Quote
Peugeot 308 1.2 e-THP Access 5d 12 £1,281 £743 £651 £525 Get Quote
Peugeot Rifter GT Line 1.2 PureTech 110 S&S 5d 12 £1,281 £743 £651 £525 Get Quote
Peugeot Rifter GT Line 1.5 BlueHDi 100 5d 12 £1,281 £743 £651 £525 Get Quote
Peugeot Rifter Long GT Line 1.5 BlueHDi 100 5d 12 £1,281 £743 £651 £525 Get Quote
Renault clio Play E-Tech Hybrid 140 auto 5d 12 £1,281 £743 £651 £525 Get Quote
Renault clio S Edition (Bose premium speaker system) E-Tech Hybrid 140 auto 5d 12 £1,281 £743 £651 £525 Get Quote
Renault clio S Edition E-Tech Hybrid 140 auto 5d 12 £1,281 £743 £651 £525 Get Quote
Renault Captur S Edition (Bose Sound System) dCi 95 5d 12 £1,281 £743 £651 £525 Get Quote
Renault Captur S Edition dCi 95 5d 12 £1,281 £743 £651 £525 Get Quote
Renault Megane 1.5 dCi (86bhp) Extreme 5d 12 £1,281 £743 £651 £525 Get Quote
Renault Scenic Dynamique Nav TCe 130 5d 12 £1,281 £743 £651 £525 Get Quote
SEAT Ateca SE Technology 1.6 TDI 115PS (07/2018 on) 5d 12 £1,281 £743 £651 £525 Get Quote
SEAT Ateca SE Technology 1.6 TDI 115PS DSG auto (07/2018 on) 5d 12 £1,281 £743 £651 £525 Get Quote
SEAT Ateca SE Technology 1.0 EcoTSI 115PS (07/2018 on) 5d 12 £1,281 £743 £651 £525 Get Quote
SEAT Arona Xcellence 1.0 TSI 115PS (07/2018 on) 5d 12 £1,281 £743 £651 £525 Get Quote
SEAT Arona Xcellence 1.0 TSI 115PS 5d 12 £1,281 £743 £651 £525 Get Quote
SEAT Arona Xcellence 1.0 TSI 115PS DSG auto (07/2018 on) 5d 12 £1,281 £743 £651 £525 Get Quote
SEAT Arona Xcellence 1.0 TSI 115PS DSG auto 5d 12 £1,281 £743 £651 £525 Get Quote
SEAT Arona Xcellence 1.6 TDI 95PS 5d 12 £1,281 £743 £651 £525 Get Quote
SEAT Arona Xcellence 1.6 TDI 95PS DSG auto (07/2018 on) 5d 12 £1,281 £743 £651 £525 Get Quote
SEAT Ibiza FR 1.0 TSI 115PS 5d 12 £1,281 £743 £651 £525 Get Quote
SEAT Ibiza FR 1.0 TSI 115PS DSG auto 5d 12 £1,281 £743 £651 £525 Get Quote
SEAT Ibiza 1.2 TSI Ecomotive Tech Sport 5d 12 £1,281 £743 £651 £525 Get Quote
SEAT Leon 1.2 TSI S 5d 12 £1,281 £743 £651 £525 Get Quote
SEAT Leon SE 1.6 TDI 115PS DSG auto (07/2018 on) 5d 12 £1,281 £743 £651 £525 Get Quote
SEAT Leon SE Technology 1.2 TSI 110PS 5d 12 £1,281 £743 £651 £525 Get Quote
SEAT Leon SE Technology 1.6 TDI 110PS 5d 12 £1,281 £743 £651 £525 Get Quote
Skoda Yeti 1.4 TSI S 5d 12 £1,281 £743 £651 £525 Get Quote
Skoda Yeti 1.6 TDI CR S GreenLine II 5d 12 £1,281 £743 £651 £525 Get Quote
Skoda Yeti 1.6 TDI CR SE GreenLine II 5d 12 £1,281 £743 £651 £525 Get Quote
Skoda Yeti 2.0 TDI CR SE 4x4 5d 12 £1,281 £743 £651 £525 Get Quote
Skoda Yeti 2.0 TDI CR SE 5d 12 £1,281 £743 £651 £525 Get Quote
Skoda Citigo iV SE L 61kW (83PS) auto 5d 12 £1,281 £743 £651 £525 Get Quote
Skoda Fabia 1.4 TDI S 5d 12 £1,281 £743 £651 £525 Get Quote
Skoda Fabia 1.4 TDI S 5d DSG 12 £1,281 £743 £651 £525 Get Quote
Skoda Fabia 1.2 TSI SE 5d 12 £1,281 £743 £651 £525 Get Quote
Skoda Fabia 1.2 TSI SE 5d DSG 12 £1,281 £743 £651 £525 Get Quote
Skoda Fabia SE 1.0 TSI 110PS DSG auto (09/2018 on) 5d 12 £1,281 £743 £651 £525 Get Quote
Skoda Fabia S 1.0 TSI 110PS (09/2018 on) 5d 12 £1,281 £743 £651 £525 Get Quote
Skoda Fabia 1.2 TSI SE 5d 12 £1,281 £743 £651 £525 Get Quote
Skoda Fabia 1.2 TSI SE 5d DSG 12 £1,281 £743 £651 £525 Get Quote
Skoda Fabia SE 1.0 TSI 110PS (09/2018 on) 5d 12 £1,281 £743 £651 £525 Get Quote
Skoda Fabia SE 1.0 TSI 110PS DSG auto (09/2018 on) 5d 12 £1,281 £743 £651 £525 Get Quote
Skoda Octavia 1.0 TSI SE Technology 5d 12 £1,281 £743 £651 £525 Get Quote
Smart Fortwo Brabus Xclusive 109hp Twinamic auto 2d 12 £1,281 £743 £651 £525 Get Quote
Smart EQ Fortwo Pulse Premium 82hp auto 2d 12 £1,281 £743 £651 £525 Get Quote
Smart EQ Fortwo Edition 1 82hp auto 2d 12 £1,281 £743 £651 £525 Get Quote
Subaru Impreza 1.6i SE Lineartronic auto 5d 12 £1,281 £743 £651 £525 Get Quote
Toyota Yaris Orange Edition (Toyota Touch 2 with Go) 1.33 VVT-i 5d 12 £1,281 £743 £651 £525 Get Quote
Toyota Yaris Orange Edition (Toyota Touch 2 with Go) 1.33 VVT-i auto 5d 12 £1,281 £743 £651 £525 Get Quote
Toyota Yaris Orange Edition (Toyota Touch 2 with Go) 1.4 D-4D 5d 12 £1,281 £743 £651 £525 Get Quote
Toyota Yaris Orange Edition 1.33 VVT-i 5d 12 £1,281 £743 £651 £525 Get Quote
Toyota Yaris Orange Edition 1.33 VVT-i auto 5d 12 £1,281 £743 £651 £525 Get Quote
Toyota Yaris Orange Edition 1.4 D-4D 5d 12 £1,281 £743 £651 £525 Get Quote
Toyota Yaris 1.33 VVT-i Design (Leather) 5d 12 £1,281 £743 £651 £525 Get Quote
Toyota Yaris 1.33 VVT-i Design (Leather) 5d CVT 12 £1,281 £743 £651 £525 Get Quote
Toyota Auris Icon Tech (Leather) 1.2 VVT-i (01/2018 on) 5d 12 £1,281 £743 £651 £525 Get Quote
Toyota Auris Icon Tech (Leather) 1.2 VVT-i auto (01/2018 on) 5d 12 £1,281 £743 £651 £525 Get Quote
Toyota Auris Icon Tech 1.2 VVT-i (01/2018 on) 5d 12 £1,281 £743 £651 £525 Get Quote
Toyota Auris Icon Tech 1.2 VVT-i auto (01/2018 on) 5d 12 £1,281 £743 £651 £525 Get Quote
Toyota Auris 1.2T Icon TSS (Nav) 5d 12 £1,281 £743 £651 £525 Get Quote
Toyota Auris 1.2T Icon TSS [Leather] 5d 12 £1,281 £743 £651 £525 Get Quote
Toyota Auris 1.2T Icon TSS [Leather] 5d CVT 12 £1,281 £743 £651 £525 Get Quote
Toyota Auris 1.2T Icon TSS [Nav/Leather] 5d 12 £1,281 £743 £651 £525 Get Quote
Toyota Auris 1.2T Icon TSS [Nav/Leather] 5d CVT 12 £1,281 £743 £651 £525 Get Quote
Toyota Auris 1.2T Icon TSS [Nav] 5d CVT 12 £1,281 £743 £651 £525 Get Quote
Toyota Auris 1.2T Icon TSS 5d 12 £1,281 £743 £651 £525 Get Quote
Toyota Auris 1.2T Icon TSS 5d CVT 12 £1,281 £743 £651 £525 Get Quote
Toyota Auris 1.8 Hybrid Icon [Leather] 5d CVT 12 £1,281 £743 £651 £525 Get Quote
Toyota Auris 1.8 Hybrid Icon [Nav/Leather] 5d CVT 12 £1,281 £743 £651 £525 Get Quote
Toyota Auris 1.8 Hybrid Icon [Nav] 5d CVT 12 £1,281 £743 £651 £525 Get Quote
Toyota Auris 1.8 Hybrid Icon 5d CVT 12 £1,281 £743 £651 £525 Get Quote
Toyota Auris 1.8 VVTi Hybrid Icon (Leather) 5d CVT Auto 12 £1,281 £743 £651 £525 Get Quote
Toyota Auris 1.8 VVTi Hybrid Icon 5d CVT Auto 12 £1,281 £743 £651 £525 Get Quote
Toyota Verso 1.6 V-matic T2 (5 Seats) 5d 12 £1,281 £743 £651 £525 Get Quote
Toyota Verso 1.6 V-matic T2 5d 12 £1,281 £743 £651 £525 Get Quote
Toyota Verso 1.8 V-matic Excel TSS 5d M-Drive S 12 £1,281 £743 £651 £525 Get Quote
Toyota Verso 1.8 V-matic Excel TSS Leather 5d M-Drive S 12 £1,281 £743 £651 £525 Get Quote
Vauxhall Corsa 1.0T ecoFLEX SRi Vx-line 3d 12 £1,281 £743 £651 £525 Get Quote
Vauxhall Corsa 1.0T ecoFLEX SRi Vx-line 5d 12 £1,281 £743 £651 £525 Get Quote
Vauxhall Extra 1.6 CDTi 16V ecoFLEX SRi (Start Stop) 5d 12 £1,281 £743 £651 £525 Get Quote
Vauxhall Extra 1.6 CDTi 16V SRi 5d 12 £1,281 £743 £651 £525 Get Quote
Vauxhall Extra SRi 1.6CDTi (110PS) Ecotec 5d 12 £1,281 £743 £651 £525 Get Quote
Vauxhall Extra 1.0T 12V ecoFLEX Elite 5d 12 £1,281 £743 £651 £525 Get Quote
Vauxhall Extra Elite 1.0i Turbo (105PS) S/S Ecotec 5d 12 £1,281 £743 £651 £525 Get Quote
Vauxhall Extra 1.4T 16V (125bhp) SRi 5d 12 £1,281 £743 £651 £525 Get Quote
Vauxhall Extra 1.6 CDTi 16V ecoFLEX SRi 5d 12 £1,281 £743 £651 £525 Get Quote
Vauxhall Extra 1.6 CDTi 16V SRi 5d 12 £1,281 £743 £651 £525 Get Quote
Vauxhall Extra SRi 1.6CDTi (110PS) Ecotec 5d 12 £1,281 £743 £651 £525 Get Quote
Vauxhall Meriva 1.4T 16V S (11/13-) 5d 12 £1,281 £743 £651 £525 Get Quote
Vauxhall Meriva 1.7 CDTi 16V (110bhp) S (AC) 5d Auto 12 £1,281 £743 £651 £525 Get Quote
Vauxhall Meriva 1.7 CDTi 16V (110bhp) S 5d Auto 12 £1,281 £743 £651 £525 Get Quote
Vauxhall crossland SE 1.2 (110PS) Turbo S/S auto 5d 12 £1,281 £743 £651 £525 Get Quote
Volkswagen Polo R-Line 1.0 TSI 115PS 5d 12 £1,281 £743 £651 £525 Get Quote
Volkswagen Polo R-Line 1.0 TSI 115PS DSG auto 5d 12 £1,281 £743 £651 £525 Get Quote
Volkswagen Golf 1.6 TDI (105bhp) Bluemotion Tech S 3d 12 £1,281 £743 £651 £525 Get Quote
Volkswagen Golf 1.6 TDI (105bhp) Bluemotion Tech S 5d 12 £1,281 £743 £651 £525 Get Quote
Volkswagen Golf 1.6 TDI (110bhp) Match Edition 3d 12 £1,281 £743 £651 £525 Get Quote
Volkswagen Golf 1.6 TDI (110bhp) Match Edition 5d 12 £1,281 £743 £651 £525 Get Quote
Volkswagen Golf 1.6 TDI (110bhp) Match Edition 5d DSG 12 £1,281 £743 £651 £525 Get Quote
Volkswagen Golf 1.2 TSI (105bhp) S 5d 12 £1,281 £743 £651 £525 Get Quote
Volkswagen Golf 1.2 TSI (105bhp) S 5d DSG 12 £1,281 £743 £651 £525 Get Quote
Volkswagen Golf 1.6 TDI (105bhp) S 5d 12 £1,281 £743 £651 £525 Get Quote
Volkswagen beetle 1.6 TDi BlueMotion Tech Design 3d 12 £1,281 £743 £651 £525 Get Quote
Volkswagen beetle 1.6 TDi BlueMotion Tech Design 3d DSG 12 £1,281 £743 £651 £525 Get Quote
Volkswagen Passat 1.6 TDI SE 5d 12 £1,281 £743 £651 £525 Get Quote
Volkswagen Passat 1.6 TDI SE 5d DSG 12 £1,281 £743 £651 £525 Get Quote
Volkswagen Tiguan SE Navigation 1.5 TSI Evo 130PS 2WD 5d 12 £1,281 £743 £651 £525 Get Quote
Volkswagen Caddy Life 1.0 TSI 102PS 5d 12 £1,281 £743 £651 £525 Get Quote
Volkswagen Caddy Life 2.0 TDI BlueMotion Life 5d 12 £1,281 £743 £651 £525 Get Quote
Volkswagen Caddy Life 2.0 TDI Life 5d 12 £1,281 £743 £651 £525 Get Quote
Volkswagen Caddy Life 2.0 TDI Life 5d DSG 12 £1,281 £743 £651 £525 Get Quote

Why are cars in group 12 on the cheaper side?

These cars score well in a number of factors that determine which group the car will fall under, including:

  • Relatively low market value
  • Smaller engine size
  • Good security and safety features
  • Inexpensive to repair
  • Low repair times

Which other factors affect my car insurance premium?

These three factors also have a big impact on the cost of your insurance:

  • Engine type and capacity. A large engine costs more to repair or replace, so it’s seen as a bigger risk to insurers. They will typically up your premium to reflect this.
  • Driver location. Insurers will use claims data to determine the risk of you making a claim, based on your address. For example, a 30-year-old in central London will pay £879 for insurance for a SEAT Arona Xcellence 1.0 TSI 115PS 5d, while the same 30-year-old in Newcastle may only pay £743.
  • Your age. Insurers will also use your age to determine the likelihood of you making a claim, based on previous claims data. This can have a huge impact on your premium. For example, the average 20-year-old driver in London could pay £1,528 for the Chevrolet Cruze 1.4 LT 5d, while the average 40-year-old Londoner will only pay £801.

On top of these, there are many other things that can impact the price of your premiums. These include:

  • Your marital status
  • Your occupation
  • Your credit history
  • Your car’s safety rating, security and anti-theft precautions
  • Your car’s age and model
  • Your driving activity and history
  • The amount of years on no-claims discount

How can I save on my car insurance premiums?

If you choose a car in group 12 or lower, that’s a great way to reduce the cost of your car insurance. Thankfully, there are a lot of other things you can do to reduce your premium.

We’ve listed some of them below:

  • Be economical with your car usage. Your premium will go up and down based on how often you use your car. If you reduce your annual mileage, you can drop your premiums. So, consider opting for public transport or walking whenever you can.
  • Avoid any driving convictions. If you have convictions on your record, it will make your premium more expensive.
  • Install extra safety precautions. The safer you make your car, the lower the risk of you making a hefty claim. Insurers will see you as less of a risk and lower your premium accordingly.
  • Don’t just accept your renewal quote. When it’s time to renew, make sure to shop around for the cheapest deal. It’s rare that your existing insurer will offer you the lowest quote.
  • Pay annually rather than monthly. Some insurers will charge interest if you pay them in monthly instalments. You can avoid this by paying annually.

Frequently asked questions

The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.
*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (March '21). 51% of car insurance customers could save £228.60.

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