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Top 10: Lowest Insurance Group Convertible Cars

Convertibles are more expensive to insure than their saloon, coupe or hatch brethren. So goes the usual thinking, but you can enjoy the breezy delights of a cabrio without a hefty premium by choosing from one of our Top 10 picks of open-air models. They offer everything from city car nimbleness to rugged off-road ability, and there’s also plenty to please those after a stylish four-seater or agile sports car to prove that having fun in the sun needn’t be costly.

Looking to save? We have a full guide on getting cheap car insurance.

1

Smart Fortwo Cabriolet – Insurance Group 4

It may be the cheapest convertible in the UK to get cover for, but there’s no sacrificing style with the Smart Fortwo Cabriolet. This cheeky city slicker has an easy to fold hood as it retracts electrically to half or fully stored positions. You can also remove the upper side window bars for the full drop-top effect.

There are some downsides to the Cabriolet over its fixed roof sister, such as the boot is trickier to access and you’ll feel some shimmy through the body as the car goes over bumps. All in, though, the Smart is a great way to enjoy the sun around town.

What will it cost to insure?

Sample quotes on what this car could cost you to insure - as a very rough guide.

These are just examples and we've made a lot of assumptions. Your circumstances will be different - so make sure you check to see what it will cost you. We've used MoneySupermarket.com for these sample quotes.

 

 Bell

Elephant

Diamond

 Admiral

 LV

18 Year old  £1538*  £1715  £1576*  No quote  No quote
25 year old  £684*  £819*  £735*  £857* No quote
45 year old  No quote  No quote  No quote  No quote  No quote

The cheapest quotes for an 18 year old was Hastings Direct (£1055)*

The cheapest quotes for a 45 year old were Privilege (£235) and Churchill (£249)*

But how much can you actually expect to pay for insurance?*

2

Fiat 500C 1.2 Pop – Insurance Group 9

Fiat could have gone down the same route as its arch rival MINI and completely lopped the roof off the 500 hatch. Instead, the 500C has a large canvas top that slides back at the touch of a button so you can have a half or fully open cabin. It works on the move too, so you don’t risk getting wet when the rain starts.

When full retracted, the hood sits pram-like at the back, which limited rear vision and looks clumsy. Roof up, refinement is okay on the motorway for this type of car.

What will it cost to insure?

Sample quotes on what this car could cost you to insure - as a very rough guide.

These are just examples and we've made a lot of assumptions. Your circumstances will be different - so make sure you check to see what it will cost you. We've used MoneySupermarket.com for these sample quotes.

 

 Bell

Elephant

Diamond

 Admiral

 LV

18 Year old  £1538*  £1715  £1576*  No quote  No quote
25 year old  £684*  £819*  £735*  £857* No quote
45 year old  No quote  No quote  No quote  No quote  No quote

The cheapest quotes for an 18 year old was Hastings Direct (£1055)*

The cheapest quotes for a 45 year old were Privilege (£235) and Churchill (£249)*

But how much can you actually expect to pay for insurance?*

3

DS3 Cabrio Blue HDi 100 – Insurance Group 10

DS’s unashamedly un-retro tilt at its MINI, Fiat and VW rivals does have one thing in common with an illustrious ancestor: the fold-back fabric roof. Just like the 2CV’s, this one rolls back from the top of the windscreen to curl up at the rear of the roof. Unlike the Tin Snail, you can drop the DS3’s further, though this seriously hampers rearward vision.

You can fit five into the DS, but it’s a sardine-like squeeze. Stick with four occupants and it’s great fun to drive and not too windy in the back thanks to the fixed side windows.

What will it cost to insure?

Sample quotes on what this car could cost you to insure - as a very rough guide.

These are just examples and we've made a lot of assumptions. Your circumstances will be different - so make sure you check to see what it will cost you. We've used MoneySupermarket.com for these sample quotes.

 

 Bell

Elephant

Diamond

 Admiral

 LV

18 Year old  £9063*  £3760  £4138*  No quote  No quote
25 year old  £2707*  £1062*  £1181*  No quote
No quote
45 year old  No quote  No quote  No quote  No quote  No quote

The cheapest quotes for an 18 year old was Hastings Direct (£2185)*

The cheapest quotes for a 45 year old were Esure (£514) and Quotemehappy (£520)*

But how much can you actually expect to pay for insurance?*

4

Volkswagen Beetle Cabriolet 1.0 TSI 105 – Insurance Group 11

The Volkswagen Beetle Cabriolet is the only one of its retro set that can lay claim to genuine ancestry when it comes to convertibles. The original Karmann Cabriolet pitched up in 1954 and went on to considerable success across three decades.

The latest Beetle soft-top conjures up the same style, especially with the vast options list to make it as retro, sporty or beach-ready as you like. In this version, the 1.0-litre turbo petrol is ideal for town and country cruising.

What will it cost to insure?

Sample quotes on what this car could cost you to insure - as a very rough guide.

These are just examples and we've made a lot of assumptions. Your circumstances will be different - so make sure you check to see what it will cost you. We've used MoneySupermarket.com for these sample quotes *.

 

 Bell

Elephant

Diamond

 Admiral

 LV

18 Year old  £2438*  £2741*  £2494*  No quote  No quote
25 year old  £841*  £935*  £857*  No quote  No quote
45 year old  No quote
 No quote  No quote  No quote  No quote

The cheapest quote for an 18 year old was Hastings Direct (£1814)*

The cheapest quotes for a 45 year old were Privilege (£280) and Churchill (£296)*

But how much can you actually expect to pay for insurance?*

5

MINI Cooper D Convertible – Insurance Group 16

There are rivals to the MINI Convertible, such as the VW Beetle Cabriolet and Fiat 500C, but the reality is it’s a car you buy with your heart. If the Brit blows your top, nothing else is going to fit the bill and it’s easy to see why many think this way. The looks are just cute enough without being overdone, while the drive is as much fun as any other MINI’s.

Inside, the rear seats are best kept for kids and they might find it a shade gloomy back there with the roof up, but the hood folds quickly and obstructs the driver’s rear view less than in a Fiat 500C.

What will it cost to insure?

Sample quotes on what this car could cost you to insure - as a very rough guide.

These are just examples and we've made a lot of assumptions. Your circumstances will be different - so make sure you check to see what it will cost you. We've used MoneySupermarket.com for these sample quotes *.

 

 Bell

Elephant

Diamond

 Admiral

 LV

18 Year old  £6770*  £2793*  £3074*  No quote  No quote
25 year old  £2412*  £917*  £1016*  No quote  No quote
45 year old  No quote
 No quote  No quote  No quote  No quote

The cheapest quote for an 18 year old was Hastings Direct (£1423)*

The cheapest quotes for a 45 year old were Quotemehappy (£417) and General Accident (£436)*

But how much can you actually expect to pay for insurance?*

6

Audi A3 Cabriolet 1.6 TDI SE – Insurance Group 17

One of the big draw of a convertible in rain-blasted Britain is that added sense of quality and class attached to an open-top. Nowhere is that more apparent than in the solidly made Audi A3 Cabriolet. It won’t set your dynamic pants on fire and the 1.6 TDI here is worthy rather than exhilarating, but never mind that when you can wonder at the quality and comfort.

The hood ain’t bad either and it seals out road and wind noise far more effectively than most of the competitions’. It also drops and raises in just 18 seconds.

What will it cost to insure?

Sample quotes on what this car could cost you to insure - as a very rough guide.

These are just examples and we've made a lot of assumptions. Your circumstances will be different - so make sure you check to see what it will cost you. We've used MoneySupermarket.com for these sample quotes *.

 

 Bell

Elephant

Diamond

 Admiral

 LV

18 Year old  £9032*  £4144*  £3654*  No quote  No quote
25 year old  £2862*  £1284*  £1180*  No quote  No quote
45 year old  No quote
 No quote  No quote  No quote  No quote

The cheapest quote for an 18 year old was Wise Driving (£2907)*

The cheapest quotes for a 45 year old were Lancaster Insurance (£367) and Quotemehappy (£527)*

But how much can you actually expect to pay for insurance?*

7

Vauxhall Cascada 1.4 T SE – Insurance Group 20

The Cascada is one of those cars where others stop, squint and mutter “oh yes, the Cascada”. It’s a bit of a forgotten soul and has few natural rivals now Ford and Volkswagen no longer build competitors. That leaves the Vauxhall at the mercy of Audi, BMW and Mercedes, and frankly it doesn’t drive well enough to bear the comparison.

However, the Cascada is well screwed together, offers decent space for an open four-seater and is undemanding to drive. That also means it’s not very exciting, but it’s cheaper to insure than its German opposition.

What will it cost to insure?

Sample quotes on what this car could cost you to insure - as a very rough guide.

These are just examples and we've made a lot of assumptions. Your circumstances will be different - so make sure you check to see what it will cost you. We've used MoneySupermarket.com for these sample quotes *.

 

 Bell

Elephant

Diamond

 Admiral

 LV

18 Year old  No quote  £5446*  £5444*  No quote  No quote
25 year old  No quote
 £978*  £1076*  No quote  No quote
45 year old  No quote
 No quote  No quote  No quote  No quote

The cheapest quote for an 18 year old was Mypolicy (£1421)*

The cheapest quotes for a 45 year old were Lancaster Insurance (£366) and City Insurance (£454)*

But how much can you actually expect to pay for insurance?*

8

BMW 218d Convertible SE – Insurance Group 22

BMW has a long tradition of getting compact convertibles just right and the 2 Series drop-top is compelling evidence of this. The styling is ideally balanced, the fabric hood looks classier than a 4 Series’ folding metal job and it stows in 20 seconds on the move at up to 30mph.

Those in the rear of this BMW will find it quite snug, but up front it’s roomy and bluster-free. There’s also a broad spread of standard kit in this SE model and the 2.0-litre diesel pulls keenly, quietly and frugally.

What will it cost to insure?

Sample quotes on what this car could cost you to insure - as a very rough guide.

These are just examples and we've made a lot of assumptions. Your circumstances will be different - so make sure you check to see what it will cost you. We've used MoneySupermarket.com for these sample quotes *.

 

 Bell

Elephant

Diamond

 Admiral

 LV

18 Year old  £9032*  £4144*  £3654*  No quote  No quote
25 year old  No quote
 £5843*  £6431*  No quote  No quote
45 year old  No quote
 No quote  No quote  No quote  No quote

The cheapest quote for an 18 year old was Hastings Direct (£3022)*

The cheapest quotes for a 45 year old were City Insurance (£566) and Quotemehappy (£606)*

But how much can you actually expect to pay for insurance?*

9

Jeep Wrangler Sahara 3dr – Insurance Group 22

Off-roaders don’t come bigger, brawnier or more iconic than the Jeep Wrangler. Now, while much of this SUV’s appeal lies in that dirt-defying image, it also happens to be a convertible as you can remove the hard-top and replace it with a fabric roof.

Depending on how much you want to spend, the Wrangler can be had in three- and four-door versions in the same insurance group. The long wheelbase four-door is also the only full five occupant convertible on the market with space and seat belts for every passenger.

What will it cost to insure?

Sample quotes on what this car could cost you to insure - as a very rough guide.

These are just examples and we've made a lot of assumptions. Your circumstances will be different - so make sure you check to see what it will cost you. We've used MoneySupermarket.com for these sample quotes *.

 

 Bell

Elephant

Diamond

 Admiral

 LV

18 Year old  No quote
 £6624*  £7361*  No quote  No quote
25 year old  £3032*
 £1243*  £1383*  No quote  No quote
45 year old  No quote
 No quote  No quote  No quote  No quote

The cheapest quote for an 18 year old was Insure The Box (£3297)*

The cheapest quotes for a 45 year old were Esure (£605) and Sheilas' Wheels (£620)*

But how much can you actually expect to pay for insurance?*

10

Mazda MX-5 1.5 SE – Insurance Group 25

How could we compile a list of affordable insurance convertibles and not include the Mazda MX-5? It was a close-run thing, but the 1.5-litre SE makes it with a Group 25 insurance rating. So, you can enjoy this superb handling of this genre-defining drop-top without worrying about the price of your premium.

You can also use the MX-5 all-year round thanks to the cosy cabin, excellent seal of the hood and sure-footed handling. Make the most of the willing 1.5-litre motor and the chassis comes alive on twisty roads in a way only a lightweight roadster can.

What will it cost to insure?

Sample quotes on what this car could cost you to insure - as a very rough guide.

These are just examples and we've made a lot of assumptions. Your circumstances will be different - so make sure you check to see what it will cost you. We've used MoneySupermarket.com for these sample quotes *.

 

 Bell

Elephant

Diamond

 Admiral

 LV

18 Year old  No quote
 No quote
 No quote
 No quote  No quote
25 year old  £2419*
 £959*  £1062*  No quote  No quote
45 year old  No quote
 No quote  No quote  No quote  No quote

The cheapest quote for an 18 year old was Hastings Direct (£1276)*

The cheapest quotes for a 45 year old were Quotemehappy (£447) and General Accident (£466)*

But how much can you actually expect to pay for insurance?*

Sometimes we show a link with a * next to it. It means that it is an affiliate link and as a result helps HonestJohn.co.uk stay free to use. It's tracked to us and if you go through it, it can sometimes result in a payment or benefit to the site.

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