The best used cars with road taxes and cheap insurance

While a low selling price plays an important role in a car’s overall affordability, it’s not the only thing to consider if you’re a motorist on a budget. How much the car will cost to tax and insure will also be a factor to consider when you’re saving money to keep the car on the road.

Opt for a low-CO2 used car, for example, and you’ll have a second-hand engine that’s in a low VED, or road tax, band. This in turn will mean that you will pay less money per year than you would for a comparable car with a higher CO2 emission.

The 10 best cheap cars to insure 2022

Likewise, if you’re looking for a smart second-hand buy, a used car that’s in a low insurance pool will also be worth having on your radar. While the exact amount of money you’ll end up paying may vary depending on the make, model, and insurance provider you choose, as a general rule of thumb, insurance premiums will be less for a car with a low insurance group rating than for a car. car with a high insurance group rating. one.

Because they tend to have low CO2 emissions and fall into low insurance groups, many of the most affordable used cars to tax and insure will generally be smaller models such as superminis and city cars. However, if you prefer something a little roomier than that, there are also some larger family cars that don’t cost much and don’t cost much to run either.

Read on for our picks for some of the best used cars you can buy that are available with cheap road tax and insurance.

Because the previous generation Ford Fiesta didn’t hold its value as well as some of its rivals, it means this supermini is generally a more affordable buy than some of its contemporaries. Factor in the car’s affordable insurance premiums and generally low CO2 emissions, and the seventh-generation Ford Fiesta becomes an attractive choice as a value-for-money used small hatchback.

The lowest insurance premiums you’ll find on a Ford Fiesta Mk7 will generally be for the 1.25-litre petrol models, which started at low insurance group 3 in the entry-level Studio spec. CO2 emissions of 122g/km from this model aren’t bad either, although if you’re willing to spend a bit more on insurance, the 1.5-litre diesel and 1.0-litre petrol models may be of interest, as that their CO2 emissions less than 100g/km means they qualify for free road tax. Whichever Ford Fiesta you choose, the car’s popularity when new means there should be plenty of examples to choose from in the used car markets.

City cars are usually very cheap to drive, and the Kia Picanto is no exception to that rule. Both the current car and the previous version promise low insurance premiums due to their low insurance group allowances, and the low CO2 emissions also help keep tax bills low.

For the financially astute motorist, the 1.0-litre versions of the previous Kia Picanto (produced until 2017) could be the car for you. These models start from insurance group 2, and many models had CO2 emissions below 100 g/km, so they are exempt from road tax. There’s added peace of mind with the seven-year/100,000-mile warranty the car came with, meaning even older models with plenty of miles on the clock still have some of their original coverage to fall back on.

One of the great advantages of fully electric cars is that, as they do not have combustion engines, they do not produce exhaust emissions. As a result, cars like the Hyundai Ioniq Electric do not emit CO2 and are therefore exempt from road taxes. It also helps that recharging an electric car is often more affordable than filling a petrol or diesel car at the pumps.

Due in part to factors like its larger size, the Hyundai Ioniq Electric may not be as cheap to insure as the superminis and city cars on this list; even the entry-level Premium models start at insurance group 16. That said, this one is on par with the combustion-engine family hatchbacks, which, in quite a few cases, will cost more tax than the Hyundai. It is one of the cheapest electric cars to insure.

The now superseded SEAT Leon makes a strong case for itself if you’re looking for a well-priced used family car; after all, it’s a well-rounded, well-polished hatchback that tends to be less expensive than a similar one. alternative like the Volkswagen Golf. It’s not just the asking price where the car holds up well as a low-cost prospect, as the Leon also brings low running costs to the table.

For drivers who spend a lot of time in the city, the base specification 1.0-litre petrol models SE appeal with their 107g/km CO2 emissions, helping to keep road tax costs low. Likewise, this SEAT Leon spec starts at insurance group 13, so it should be quite affordable to insure. However, high-mileage drivers may be better off with the 1.6-litre diesel, as well as offering better fuel economy, it has CO2 emissions as low as 102g/km and starts on the SE model in a still safe group. lower than 12.

When it comes to insurance premiums, the current version of the Volkswagen Polo promises to be very affordable. On the S and SE models with the 1.0-liter petrol engine under the hood, this type of VW supermini sits in the lowest possible insurance group rating of 1. Not only is it better than many smaller city cars, but which is also lower than the previous one. generation of the VW Polo, which started in insurance group 4.

However, the old VW Polo that went out of production in 2018 has the upper hand when it comes to cheap tax bills. Thanks to their CO2 emissions below 100 g/km, the 1.4-litre diesel and 1.0-litre ‘BlueMotion’ petrol versions of this generation of Polo qualify for free road tax, and even models most polluters are in low vehicle excise bands, so they’re not expensive to tax either.

The Skoda Citigo is a car that we rate highly here at Carbuyer; after all, we crowned it our favorite city car at the 2017 Carbuyer Awards. As well as being an excellent multi-purpose city car, the Skoda Citigo promises to be an affordable car for everyday use, thanks to its low running costs.

If you want the most affordable insurance premiums possible, go for the S or SE version, as these start with insurance group 1. Choose a car made before 2017, and the low CO2 emissions make the Citigo very economical. also. Also worth mentioning is the all-electric Skoda Citigo-e model, which is completely exempt from road tax, though more expensive to buy and insure than a similar petrol-powered Citigo.

When it launched, the Citroen C4 Cactus was the latest in a long line of quirky cars from the French marque, though there was more to the car than its ability to stand out from the car. Turns out the C4 Cactus is a well-rounded, versatile family car that we crowned our Overall Car of the Year at the 2015 Carbuyer Awards.

As its presence on this list shows, the Citroen C4 Cactus also promises to be an affordable racing car. The 99bhp 1.6-litre diesel models promise to be the cheapest of the lot, as Citroen quoted up to 83mpg for the car when new and there’s free road tax on models registered before April 2017. The C4 Cactus diesels start in insurance group 18, however, which is a bit higher than gasoline models can achieve; for example, the 1.2-litre petrol version in entry-level Feel spec starts in a supermini-esque lock group seven.

Do you want to have a fully electric family car, but you can not adjust your budget to the new Volkswagen ID.3? Conveniently, there is an alternative on the used car market, in the form of the Volkswagen e-Golf, which went out of production in 2020.

While the e-Golf won’t necessarily be the most affordable family hatchback to insure (even the least expensive model is in insurance group 19), it promises to be much less expensive to operate in other areas. By virtue of having no tailpipe emissions to speak of, the VW e-Golf is exempt from road tax, and being electric means it will cost less to fill up the e-Golf per se than a petrol-powered VW Golf or diesel. In other respects, the e-Golf feels very similar to a powered Golf, and the boot is even the same size.

It may not have the efficiency-enhancing mild-hybrid and hybrid engine options available on its successor, but that doesn’t mean the previous iteration of the Nissan Qashqai is expensive to operate. On the contrary, depending on the spec, it can turn out to be a surprisingly affordable family SUV to tax and insure.

If it’s the lowest insurance premiums you’re after, the 1.2-litre petrol models in the base Visia trim will be the one to go, as this spec starts with an impressively low insurance group rating of 12. Buyers after a The low-tax option with good fuel economy may find something to like about the 108bhp 1.5-litre diesel; although it is more expensive to insure and not surprisingly fast, it has a low tax bill thanks to its 99g/km CO2 emissions. , and Nissan claimed it could return up to 74.3 mpg.

As an investment for your family estate car, the recently discontinued Vauxhall Astra Sports Tourer makes a very good case on its own. There’s a fair amount of room inside for passengers and their luggage and because it didn’t have the strongest residual values, used examples can be bought for a fraction of their original price when new.

Further boosting the Astra Sports Tourer’s affordability credentials are its impressively low tax and insurance costs. The least expensive Astras to insure will be the 1.4-litre petrols, which start at insurance group eight in the entry-level design spec, though the 1.6-litre diesel makes a more compelling case on its own. While it’s a little more expensive to insure due to its insurance group rating of 13, it’s much cheaper and if you opt for an example registered before April 2017 it won’t cost you a dime in VED.

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