Top 10 estate cars with the lowest insurance
Insurance costs never seem to go down, not least because of the increased costs associated with repairing a modern vehicle. There are always cars which insurers see as lower risk, though – and that extends to practical estate cars. We’ve lined up the ten estate cars which fall into the lowest insurance groups on the 1-50 scale.
Looking to save? We have a full guide on getting cheap car insurance.
Dacia Logan MCV Access 1.2 Petrol – Insurance Group 4
Dacia makes some of the best value cars on sale – the Sandero is the cheapest new car you can buy. The Logan MCV is effectively an estate version of the Sandero and has a bargain price to match, plus the benefit of a good-sized, 573-litre boot. That’s expandable to 1518 litres and is better than some of the much larger and more expensive cars in this list.
Thanks to its simple design, the Logan MCV is cheap to repair, which contributes to the group four insurance – a very low group indeed. The only other car to fall into group four in this list is the second place Skoda Fabia.
Skoda Fabia S 1.2 12v – Insurance Group 4
The Fabia is a familiar sight in the UK, but the estate version is less common than its hatchback counterpart. It offers 505 litres of space with the seats in place or 1485 litres with them folded, yet it’s a compact car that is more than at home squeezing into small parking spots.
That makes it an ideal estate for those who live in towns and cities, yet need more practicality than your usual hatchback offers. It’s one of only two models to appear in this list that falls into insurance group four, which is low for any car, let alone something so spacious.
SEAT Ibiza ST S 1.2 12v – Insurance Group 5
The Ibiza ST 1.2 12v shares its chassis and engine with the Fabia, so it’s a little surprising to see it in a slightly higher insurance group – perhaps that’s down to SEAT’s sportier, more youthful image. That said, the real world difference in the cost of insurance between the two will only amount to a few pounds.
Unfortunately the Ibiza ST isn’t quite as spacious as the Fabia, with maximum load room of 1164 litres. That’s enough for most uses though, plus the Ibiza is a more stylish looking car, which makes it ideal for a growing family that demands a good-looking car with plenty of space and low running costs.
Kia Cee’d Sportswagon 1 1.4 CRDi – Insurance Group 6
Despite being a size-class higher than the Ibiza ST, the Cee’d Sportwagon 1.4 petrol is only one insurance group higher. The Cee’d is a more refined, more well put together car, but it is appreciably more expensive than the Ibiza so it’s not fair to compare them directly.
With the seats up the Cee’d Sportwagon has 528 litres of load space and that can be extended to 1642 by folding them flat. With its low load deck the Cee’d is very easy to load and unload, plus it’s easy for dogs to jump in and out compared to something like a crossover or SUV.
Toyota Auris Touring Sport Active 1.33 – Insurance Group 7
We’ve spent six months with an Auris Touring Sport and it’s proven to be very easy to live with, with plenty of sensible touches and a useful, well thought out load area. The 1.33-litre petrol model in Active trim is the cheapest to insure, but for those who demand frugality and an easy-to-drive CVT automatic there is a hybrid model, which isn’t massively more expensive to insure.
Maximum load space is 1658 litres, with 530 litres available when the seats are in place. Not only are insurance costs cheap, but Toyota has a good reliability record so the Auris Touring Sports last well.
Volkswagen Golf Estate S 1.2 TSI – Insurance Group 7
The Golf Estate is every bit as good as its hatchback counterpart – it’s just as well made, drives just as well and has the same trim and equipment structure. The only real difference is the amount of space – and the Golf has plenty.
With the seats in place there’s 605 litres on offer, which can be extended to 1620 with them folded. For those who want a timeless estate car the Golf is a good choice, but moving up to a better trim level than entry level S does increase the insurance group rating, so double check before you buy.
Hyundai i30 Tourer Classic 1.6 – Insurance Group 9
The i30 is Hyundai’s answer to the Golf. As a package it’s not quite as cohesive as its Volkswagen rival, but it’s not far off – and that’s not something you’d expect to hear about Hyundai even as recently as two or three years ago. Quality, refinement and economy are all impressive, as is value for money care of generous standard specification.
The i30 doesn’t yet have the upmarket image, but for those who aren’t concerned what the neighbours think it’s very easy to recommend. Load space is 528 litres with the seats up and 1642 with them folded.
Vauxhall Astra ST Tech Line 1.4i– Insurance Group 9
In the same insurance group as the i30 Classic 1.6 is the Vauxhall Astra Sports Tourer 1.4i Tech Line. The Astra range is confusingly broad, so there are other models that are similarly priced and similarly cheap to insure. However, whichever model you opt for, you’ll get a 500-litre boot with the seats in place, expandable to 1550 litres with them folded.
The Astra might not match some cars in this list for outright volume but it’s still a perfectly good size, plus it’s very easy to drive and can be bought with good discounts if you’re prepared to haggle with the dealer.
Ford Focus Estate Edge 1.0 EcoBoost – Insurance Group 10
The Astra’s arch-rival, Ford’s Focus, is ever so slightly more expensive to insure than the Vauxhall, but it comes with the advantage of an EcoBoost three-cylinder engine. This eager, characterful engine produces plenty of power despite its small 1.0-litre displacement, plus it offers reasonable fuel economy and low emissions, so it ought to be cheap to run.
Unfortunately the 476-litre boot isn’t quite as large as others in this list, but it's still a useful size and can be extended to 1502 litres. You can even get a high performance ST version of the Focus Estate, but obviously that car is significantly more expensive to insure.
Hyundai i40 Estate Active 1.7 CRDi 115 – Group 12
The i40 is the largest overall car to feature in this list, falling into the same category as vehicles like the Skoda Octavia and Ford Mondeo. With all the seats folded flat it has the largest load capacity of any car in this list, too, at 1719 litres (553 with the seats up).
It might come in tenth place, but the i40 Estate still offers affordable insurance costs, plus it’s cheap to buy and should be economical. There’s a cheaper petrol model, but it is in a slightly higher insurance group.