Cars in insurance group 2

Fancy a cheap-to-insure car but don't want something super-basic or tiny? We've rounded up eight of the best cars in insurance group 2

James Wilson
Oct 29, 2021

Cars in insurance group 2 could be a better choice for you than something in group 1. You’ll likely reap most of the financial rewards that a lower insurance premium brings, but you also get to drive a car that is more appealing than most cars that sit in the lowest insurance group.

Even so, the types of cars that fall within group 2 are generally city cars or superminis. A city car is typically a very small car that is best suited to urban trips - something like the Peugeot 108 - while a supermini is slightly bigger and more capable - like the Ford Fiesta. As superminis are incredibly popular in the UK, the competition among manufacturers to make the best models is fierce which means there are some very well-rounded models to choose from. In fact, some are so good they are all the car you could ever need.

The insurance group a car sits in is determined by a number of factors including how costly it is to repair in the event of an accident, how easy it is to physically repair and also how fast the car is in the first place. You might, therefore, expect cars in group 2 to have to be slow and cheap in feel. This may be true for some models, but not all.

Below are eight of the best cars in insurance group 2. Each one comes with a recommendation for trim and engine, but it is important to remember that if you are looking at second-hand car insurance groups, they could well have changed over the years. This means it is not uncommon for a car of the same trim to have a different insurance grouping depending on its age, so if super-cheap insurance is important to you, make sure you get quotes for a specific car before signing on the dotted line.

Cars in insurance group 2

1. Smart ForFour

Our pick Smart ForFour 1.0 Passion
Used deals from £5,990
Monthly finance from £141*

Building on the success of the Smart ForTwo - often simply referred to as ‘the Smart car’ - the ForFour doubles up on the seating capacity, with a second row of seats and it also has a pair of rear doors. Handily, those extra rear doors open nice and wide, so it is easy to get people in the back or to fit a child seat.

One of the biggest selling points of the ForFour is how easy it is to drive in town. The turning circle is incredibly tight meaning it is very easy to do a u-turn or negotiate sharp corners on tight streets. Plus, visibility out of the windows is great. Things are less impressive out of town but for those who only occasionally venture onto 60 or 70mph roads, the ForFour should perform admirably.

SMART FORFOUR BUYERS' GUIDE

2. Ford Fiesta

Ford Fiesta front three quarters view

Our pick Ford Fiesta 1.1 Style
Used deals from £8,490
Monthly finance from £145*

Pound for pound, few cars are quite as appealing as the Ford Fiesta. The latest version was launched at the end of 2016 and is often praised for its fun driving experience. Even so, there is more to the Fiesta than being able to enjoy zipping around corners. The boot, for example, offers plenty of space and there should be a trim to suit most people - basic ’Style’ models are the way to go for group 2 insurance, though.

Perhaps the biggest improvements to the Fiesta over the previous version are in the cabin, which is much more modern and looks good even against key rivals such as the Renault Clio. Additionally, there is a wide range of engines to choose from. The 1.0-litre 'EcoBoost' units get the most praise, as these offer strong performance and fuel economy, but the less powerful and more simple 1.1-litre option, which helps the Fiesta qualify for group 2 insurance, is still a good low-cost option, as it is quite frugal and unlocks that low insurance rating.

FORD FIESTA BUYERS' GUIDE

3. Vauxhall Corsa

Vauxhall Corsa front three quarters view

Our pick Vauxhall Corsa 1.2 Sting
Used deals from £5,944
Monthly finance from £117*

The Vauxhall Corsa is to the Ford Fiesta what Liverpool football club is to Everton football club - an arch-rival. Which one is better is an incredibly close call and for you may well boil down to the one you like the look of most. A big pro for the Corsa is the strong standard equipment level across the range, which includes cruise control, a heated windscreen and alloy wheels.

Additionally, the Corsa can be better value than the Fiesta, although with a bit of hunting there are some great Fiesta deals available, too. Ford claims the victory when it comes to how much fun the Fiesta is to drive, but that doesn't mean the Corsa isn't any good to drive. While a ‘Sting’ model with a 1.2-litre petrol engine is the way to source a Corsa in insurance group 2, there are plenty of other petrol and diesel-powered models to choose from in higher insurance groups.

2014-2019 VAUXHALL CORSA BUYERS' GUIDE

4. Kia Rio

Our pick Kia Rio 1.25 '1'
Used deals from £7,187
Monthly finance from £140*

Let’s deal with the headline feature first - all Kias come with a seven-year/100,000-mile manufacturer warranty. This is very much ahead of the competition and means that getting a used Kia can be a wise move. Most car manufacturers only provide a three-year/60,000-mile warranty, so you can get a great value four-year-old Kia and still have the same manufacturer warranty remaining as many brand new cars.

Now for the finer details. Yes, the Rio isn’t the most exciting car to look at or drive but it doesn’t do a lot wrong. Is it economical? Yes. Is it comfortable to drive? Yes, although higher spec ‘2’ and ‘3’ trims can come with relatively large alloy wheels which make things less comfortable. Go for the entry-level '1' model in 1.25-litre petrol form, though, and you don't have to worry about this, and you get a car in insurance group 2.

KIA RIO BUYERS' GUIDE

5. Seat Ibiza

Our pick Seat Ibiza 1.0 SE Technology
Used deals from £7,280
Monthly finance from £142*

The Ibiza looks sharp and is enjoyable to drive. Despite this, this version of the Ibiza is still cheap to insure, thanks to its group 2 insurance rating. Seat tends to style its cars with younger drivers in mind and it shows in the Ibiza, which looks modern and high-tech.

For this type of car, the Ibiza is surprisingly quiet. As a result, it is a perfect small car for longer motorway journeys. The majority of Seat Ibizas come with a 1.0-litre petrol engine and a manual gearbox, and unless you desperately want an automatic gearbox, this would be our recommended combination. This is because most versions are peppy enough to nip about in town and tackle motorway trips without fuss, yet are still rather efficient.

SEAT IBIZA BUYERS' GUIDE

6. Skoda Fabia

Our pick Skoda Fabia 1.0 S
Used deals from £7,850
Monthly finance from £153*

If the Seat Ibiza is a supermini infused with youthfulness, the Skoda Fabia is a supermini infused with all the practicality of a utility belt. The boot can carry 330 litres of cargo - which is large for a car of this size - but whereas some cars come with big boots that are awkwardly shaped, the Fabia has a sensibly laid out boot with a relatively low bumper and easy access.

‘S’ trim is the entry-level option so standard equipment is somewhat sparse, but essentials such as Bluetooth, electric front windows and a digital radio are all included. One of the Fabia’s biggest strengths is passenger space, with plenty of room in the front and back - so much so that you can transport three adults in the back without too many complaints - that's something which can't be said for many of the Fabia’s rivals.

SKODA FABIA BUYERS' GUIDE

7. Vauxhall Adam

Our pick Vauxhall Adam 1.2 Rocks
Used deals from £6,299
Monthly finance from £128*

Vauxhall hoped to take the car world by storm with its fashionable Adam, but it never reached the same heights as rivals such as the Fiat 500 and Mini Hatchback. This does mean that anyone driving an Adam has a much more exclusive small car - and, more importantly, used models are often cheaper to buy. Additionally, thanks to Vauxhall offering a huge amount of personalisation options with the Adam, there are all kinds of trim and colour combinations to choose from.

So, for those wanting a car that is in group 2 for insurance, the Adam Rocks could be just the ticket. The Rocks version comes with SUV-influenced cladding around the bottom of the car and a slightly raised suspension for a tougher look. Vauxhall’s 1.2-litre petrol engine isn’t the most potent but is well suited to town driving. The Adam's best feature is its chic, modern-looking interior. So the Adam might prove to be a breath of fresh air if you are not a fan of the retro-inspired interiors of the Mini or Fiat 500.

VAUXHALL ADAM BUYERS' GUIDE

8. Toyota Yaris

Our pick Toyota Yaris 1.0 VVT-i Active
Used deals from £9,799
Monthly finance from £178*

The Toyota Yaris is a class act when it comes to sensible small cars. Its styling is handsome but not in your face, its build quality is great and the engines are very economical. A lot of Yaris models are petrol-electric hybrids but these tend to sit closer to group 10 for insurance. Still, non-hybrid versions are great cars and will prove more than frugal enough for most drivers without the worry of ever having to replace the expensive hybrid battery.

In 2017 Toyota revised the styling of the Yaris, giving it a slightly sportier look. The facelift didn’t alter how practical the Yaris is, as all models still come with rear doors and the interior feels built to stand the test of time. That said, the interior does feel a little cheaper than the one in the Volkswagen Polo. As for the driving experience, sitting behind the wheel in a Yaris is an easy affair, as this supermini has been designed with comfort in mind.

2014-2020 TOYOTA YARIS BUYERS' GUIDE

*Representative PCP finance - Ford Fiesta:

48 monthly payments of £192
Deposit: £0
Mileage limit: 8,000 per year
Optional final payment to buy car: £2,923
Total amount payable to buy car: £11,926
Total cost of credit: £2,426
Amount borrowed: £9,500
APR: 9.9%

BuyaCar is a credit broker, not a lender. Our rates start from 6.9% APR. The rate you are offered will depend on your individual circumstances.

 

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