Cars with the cheapest black box insurance for young drivers

Car insurance need not break the bank - especially with a black box policy. Here are some of the best cars for cheap black box insurance

James Wilson
Jul 31, 2020

When it comes to car insurance, young drivers have it pretty tough these days, what with the sky-high premiums they are often made to pay because they can't present years of no claims bonus.

One of the methods of reducing car insurance costs available, however, is opting for a black box policy. These involve installing some electronics in the car that monitors things such as how quickly you accelerate and whether you're constantly slamming on the brakes - a potential sign that you're not paying attention.

The theory behind this is that a driver being monitored is more likely to drive sensibly and less likely to crash - and therefore, they can be rewarded with lower insurance premiums. Just remember that if you constantly drive the car like you stole it with a black box policy, the insurance company is likely to deem you a high risk and ratchet up your premium month after month. Below there is a list of cars which are ideal for young drivers as they should allow you to get cheap black box car insurance deals.

Each make and model can be scooped up for under £200 per month on BuyaCar and all are provided with an accompanying example insurance quote. All quotes have been generated using standardised driver details on a well-known price comparison website. A full breakdown of the details used (such as driver age and location) can be found at the bottom of the article.

So, if you know which cars to look at even young drivers can pay palatable insurance premiums on a range of body shapes, engine sizes, performance levels and equipment. We also have plenty of advice for you on how to reduce your insurance costs further, once you have picked a cheap-to-insure car, to insure you secure the cheapest possible insurance.

As engine, gearbox and trim level can all have a significant influence on insurance premiums, each make and model below is provided with a suggested trim - happy hunting.

Cheapest cars with black box insurance for young drivers

1. Hyundai i10

Our pick Hyundai i10 1.0 Go SE
Used deals from £7,465
Monthly finance from £132
Insurance group 3D
Cheapest insurance with a black box £478
Excess £300

The Hyundai i10 is a well made, refined, comfortable and smart looking city car - and you can’t say fairer than that. Plus, it will cost peanuts to run as frugal engines and low insurance premiums are the order of the day.

Most suited for those who spend the majority of their time driving in urban areas (and the odd country jaunt) the i10 packs enough room for four adults. 'Go SE' spec avoids you having to suffer through somewhat sparse entry-level 'S' models but bypasses the higher costs of range-topping Premium SE trims.

While the driving experience isn’t particularly exciting, the Hyundai i10’s dinky proportions and willing petrol engines (there are no diesels on offer) mean those hunting for fun behind the wheel can find some. As a final note, Hyundai recently launched a new i10, which could well help those looking for bargain nearly new outgoing models, as prices for the older model will start to tumble.

HYUNDAI i10 BUYERS' GUIDE

2. Vauxhall Corsa

Our pick Vauxhall Corsa 1.4 Design
Used deals from £4,899
Monthly finance from £99
Insurance group 3E
Cheapest insurance with a black box £540
Excess £500

Vauxhall Corsas are a common sight on UK roads and a firm favourite with young drivers. This isn’t a fluke, though, as for decades Vauxhall has made sure its small hatchback comes with a strong interior, wide range of engine options and enjoyable driving characteristics. Throw in low insurance premiums and it is easy to see why the Corsa is so popular.

One thing that Vauxhall doesn’t generally score highly in is easy to understand model ranges. If you are in the market for a cheap to insure Corsa, have a hunt for a 1.4-litre petrol Design model and save yourself some confusion. There should be good deals too, what with Vauxhall recently launching a brand new Corsa that replaces the one shown here.

Get straight out of a new Ford Fiesta or Renault Clio and the Corsa will seem a touch dated, but back when it was launched the interior was more than good enough to compete with its rivals. Bear in mind the low, low prices, though, and there's really nothing to complain about.

VAUXHALL CORSA BUYERS' GUIDE

3. Ford Fiesta

Our pick Ford Fiesta 1.0 EcoBoost 125hp ST-Line
Used deals from £8,480
Monthly finance from £156
Insurance group 12E
Cheapest insurance with a black box £553
Excess £500

Let’s not beat about the bush, the latest Ford Fiesta is a great car. It’s a hoot to drive, it looks smart, the technology on offer is streets ahead of older generation Fiestas and when dressed up in sporty ST-Line spec with one of Ford’s punchy EcoBoost petrol engines under the bonnet, it looks and goes rather well indeed.

Included as part of the ST-Line package are a unique bodykit (stuff like more aggressive bumpers and rear spoiler), large alloy wheels, sports-style front seats, aluminium gear knob, keyless start and Ford’s invaluable heated front windscreen. All it takes is one frosty morning for a heated front screen to pay for itself many times over.

You don’t need to take our word for it that the Fiesta is a cracking car, though, as it has dominated UK new car sales charts since it was launched back in 2017.

FORD FIESTA BUYERS' GUIDE

4. Citroen C1

Our pick Citroen C1 1.0 Touch
Used deals from £4,465
Monthly finance from £88
Insurance group 7E
Cheapest insurance with a black box £470
Excess £300

To help keep costs of manufacturing down, Citroen, Peugeot and Toyota buddied up to manufacture their respective city cars - Citroen’s being called the C1. While each car is fundamentally the same under their bodywork, exterior styling and interior trim vary - as do prices and typical cost of insurance.

The Citroen C1 is easy to drive in town and good fun out of it, frugal as well (thanks to a small petrol engine) and due to its simplicity there is very little to go wrong, so you can expect cheap running costs as well as cheap insurance.

This does mean that those after a plush cabin littered with equipment might want to look elsewhere, especially as Touch spec sits at the bottom of the trim food chain. For those looking for a first car, though, the Citroen C1 Touch is perfect.

CITROEN C1 BUYERS' GUIDE

5. Hyundai i30

Our pick Hyundai i30 1.0 T-GDi SE
Used deals Limited stock
Insurance group 9E
Cheapest insurance with a black box £545
Excess £300

It is not uncommon for Britain’s younger drivers to have grown up with parents or relatives that automatically dismiss a Hyundai as a 'poor man’s car' - implying they aren’t particularly good. Times have changed and with each new launch, Hyundai is producing cars that can compete against more and more expensive rivals - the i30 hatchback is a perfect example.

To drive, the i30 offers something a little more grown-up than other options on this list, turning up the wick on refinement, comfort and space. A negative of all this is that it isn’t particularly fun to drive, though.

As low insurance is a high priority here, SE spec is a great option as is the 1.0-litre turbocharged petrol engine. Even though the dashboard is hardly exciting in style, the levels of equipment available across the range are impressive. Bluetooth, air-conditioning, a five-inch touchscreen media system and parking sensors are all standard.

HYUNDAI i30 BUYERS' GUIDE

6. Kia Ceed Sportswagon

Our pick Kia Ceed 2 ISG Sportswagon
Used deals from £7,799
Monthly finance from £141
Insurance group 8E
Cheapest insurance with a black box £542
Excess £300

On the face of things, the Kia Ceed looks to be the perfect car for a young driver. For starters, Kia offers a seven-year/100,000-mile warranty with all of its cars, which is well ahead of the competition.

Plus there are the low insurance premiums, good handling, impressive levels of standard equipment, frugal engines and in Sportswagon guise (Kia speak for estate) a rather sizeable boot. Although ‘2’ specification is the entry-level to the range, it promises alloy wheels, heated door mirrors, air-conditioning and Android Auto/Apple CarPlay functionality.

As some background information, Kia launched the latest Ceed in 2018 (which is the one shown here) making up ground (in key areas such as build quality and equipment) on rivals such as the VW Golf and Vauxhall Astra. Trust us; it's a good car.

KIA CEED SPORTSWAGON BUYERS' GUIDE

7. Seat Ateca

Our pick Seat Ateca 1.0-litre TSI Ecomotive S
Used deals from £11,295
Monthly finance from £172
Insurance group 8E
Cheapest insurance with a black box £527
Excess £500

The Seat Ateca is one of those mythical cars which despite being bigger, more expensive and flashier than cars designed to qualify for low insurance actually manages to offer rock-bottom premiums. It becomes a no-brainer really for younger drivers needing space, whether that be for kids, friends or gear for weekend adventures.

Granted S models aren’t blessed with oodles of equipment, but air-conditioning, a touchscreen media system and a leather steering wheel are all standard, while the Ateca is also surprisingly good fun to drive.

As a complete package Ateca is up there with the very best cars of this type, which is no doubt partly due to its under-the-skin engineering being shared with other great SUVs such as the Skoda Kodiaq and VW Tiguan.

SEAT ATECA BUYERS' GUIDE

8. Volkswagen Polo

Our pick Volkswagen Polo 1.0-litre Evo beats
Used deals from £8,999
Monthly finance from £156
Insurance group 1E
Cheapest insurance with a black box £499
Excess £300

In its latest guise, the Volkswagen Polo is as sophisticated as ever. The interior is high quality and there is ample space inside for four fully-grown humans - fitting three across the back seats is possible but long journeys might prove tight for whoever gets the middle pew.

Across the board, all models come with desirable equipment such as Android Auto and Apple CarPlay, alloy wheels and electric windows. Our suggested model has been created to specifically target younger drivers with a handful of aesthetic tweaks (such as sportier alloys, a stripe over the bonnet and a colourful dashboard) plus a beats sound system.

Petrol and diesel models are available (the former are by far the most common) and it is the 1.0-litre petrol Evo engine that is most suited for low insurance premiums. While it isn’t the last word in performance, it will return strong economy and perform competently on UK roads.

VOLKSWAGEN POLO BUYERS' GUIDE

Hang on, what about electric and hybrid cars?

The UK’s motoring industry is being swept towards electrification in a bid to reduce tailpipe emissions. Getting behind the wheel of a hybrid or all-electric vehicle while not paying the Earth for insurance is possible, but expect there to be a price hike compared to every car listed here.

The reason being is adding high-voltage electricals adds complexity, which is then more expensive to repair in the event of a crash. Nonetheless, two great options are listed below.

9. Toyota Yaris Hybrid

Our pick Toyota Yaris 1.5 Hybrid Icon Tech
Used deals from £10,390
Monthly finance from £175
Insurance group 8E
Cheapest insurance with a black box £592
Excess £500

Toyota is on the cusp of releasing a new Yaris, but the outgoing model still represents a great purchase for those after an affordable hybrid supermini. Being a self-charging hybrid, the Yaris puts charge back into its battery by recuperating energy from braking instead of plugging into the mains. Remember, though, that also means it has a small battery, so the motor provides a little boost to the petrol engine rather than being able to take over it here.

If it is low emissions and strong economy you are after, the Toyota Yaris is an excellent option, but those hunting for a plush cabin or thrilling driving experience would be better looking at petrol-only hatchback alternatives.

TOYOTA YARIS BUYERS' GUIDE

10. Renault Zoe

Our pick Renault Zoe 65Kw Dynamique Nav 22Kwh
Used deals from £7,399
Monthly finance from £142
Insurance group 17E
Cheapest insurance with a black box £723
Excess £500

Think of the Renault Zoe as the Ford Fiesta of electric cars - for a number of years now it has been the most popular electric supermini on sale. This is mostly due to the fact there weren’t any direct rivals available, but we shall gloss over that.

The fact remains that affordable models are starting to crop up on the used car market and can be insured for only a couple hundred extra pounds more than a petrol equivalent, which, owners would likely make back in reduced car tax and lower fuel costs.

RENAULT ZOE BUYERS' GUIDE

The example quotes above were generated assuming the main driver is a 24-year-old male administrator living in Slough in his parents’ house. He has held a full UK driving licence for six years and has five years no claims bonus. His father, who had held his licence for over 25 years is a named driver on the policy. During the day his car was parked in a work car park and at night on the driveway at home. He has no motoring convictions, no children under 16 and no medical conditions. His policy is comprehensive and is set to start three weeks after the date of quote. He pays annually and is expecting to travel 8,000 miles per annum for commuting and social purposes.

 

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