Cars with a low insurance group

SEAT Mii – Group 1

Sharing its basic styling and underpinnings with the Skoda Citigo and Volkswagen Up, the Mii also proves to be the cheapest of the trio by a small margin so it’s certainly fine value for money. Admittedly, the exterior styling lacks a bit of sparkle but it counters by offering an enjoyable driving experience and a solidly built, comfortable cabin.

It’s just about roomy enough for four as well, although the thrummy 60PS, three-cylinder engine is likely to struggle with a fully laden Mii. Still, it’s well equipped in SE trim or you could opt for the Ecomotive model for which SEAT claims 68.9mpg and a VED-free 96g/km of CO2.

Hyundai i10 - Group 1

We’re big fans of this great value motor - it’s a mature offering that is roomy and great to drive, plus cabin quality is impressive.

Okay, so the 66PS 1.0-litre engine isn’t the last word in performance with a 0-62mph time of almost 15 seconds, but it feels peppier than you’d expect and the Blue Drive model claims 65mpg economy. If you want a small car that handles longer trips as well as the urban grind, this should be at the top of your list.

Volkswagen Up – Group 1

While the Up might be a tad pricier than its Skoda and SEAT brethren there’s a classy feel to the interior that’s lacking in the others - and it looks sharper on the outside too. The smart looks and premium badge are attracting plenty of buyers, who soon discover that it’s a fine drive with a well-judged ride and light, accurate steering.

There’s a planted feel to the way it handles, so it copes well on faster roads and, although the 60PS engine needs working hard, it returns a claimed 63mpg, so your fuel bills will be as low as your insurance. Frankly, few city cars rivals are as good an all-rounder as this one.

Skoda Citigo – Group 1

As you probably know by now the Citigo is virtually identical to its SEAT cousin, so there’s little to choose between them. Take your pick, then, but opting for the version with the Skoda badge will secure the same solidly built city car with decent driving manners and a characterful three-cylinder engine, and there’s a good choice of trim levels to suit your budget.

Even base models are reasonably well-equipped though so you don’t have to break the bank, although we’d aim for SE trim if possible. The low running costs will be easy on the pocket, and despite the compact dimensions there’s a reasonably practical 238-litre boot.

Chevrolet Spark – Group 1

While you can’t order a new factory-built example, Chevrolet say there are still cars in dealer stock and it could be perfect if you’re after something that looks a little different. The 68PS engine is a touch sluggish in this company - 0-60mph takes 15.5 seconds - and it’s unrefined on the motorway but practicality is decent enough as is economy.

The Spark rides and handles with reasonable aplomb as well. Inside, a motorcycle-inspired instrument pack adds interest and in LS trim you’ll benefit from a raft of convenience features that include remote central locking and air-conditioning. It’s also fairly roomy, although boot space is tight with the rear seats in place.