Are you in search of the cheapest cars to insure in Ireland? One that won’t just get you from A to B but will also keep your insurance costs in check? Then, look no further. In this comprehensive guide, we’ve curated a list of the 10 cheapest cars to insure for first-time drivers in Ireland in 2025.
As leading car insurance brokers in Ireland, we understand the importance of not only finding an affordable car but also one that won’t break the bank when it comes to insurance. Let’s delve into the world of smart choices and savvy driving.
Factors Impacting Car Insurance Costs in Ireland
Before we dive into the specifics of the cheapest cars to insure this year, let’s understand what factors come into play when determining insurance premiums in Ireland. Making an informed choice about the vehicle you drive can significantly impact your insurance costs.
Car Model and Make
The type of car you drive is a key factor. Cars renowned for their safety features, such as advanced airbag systems and anti-lock brakes often receive cheap insurance premiums. Additionally, vehicles with a track record of lower repair costs are favoured by insurance companies. The reasoning behind this is simple – cars that are cheaper to repair result in lower claim amounts, making them more affordable to insure.
Insurers use historical data and statistics to assess risk, and if a specific car model has a pattern of higher claim rates, it’s likely to result in higher insurance costs. Opting for a car with a strong safety profile and economical repair history is a smart strategy for reducing insurance expenses.
Engine Size
The size of a car’s engine plays a crucial role in determining insurance costs. Smaller engines are often associated with lower performance and reduced power, making them less prone to high-speed accidents.
Insurance companies consider smaller engine sizes as indicative of vehicles that are generally driven more conservatively, contributing to a lower risk profile and, consequently, more affordable insurance premiums. Additionally, smaller engines often result in lower repair costs, another factor that influences insurance pricing.
Safety Features
Cars equipped with advanced safety features, like collision avoidance systems and lane assist warnings, show a commitment to minimising accidents. This makes them more appealing to providers of car insurance in Ireland.
The incorporation of such features not only enhances the safety of the vehicle but also signals to insurance providers that the car owner is proactive in mitigating potential risks, resulting in potential discounts and more budget-friendly insurance rates.
Security Features
Security features play a pivotal role in determining insurance premiums, as they directly impact the likelihood of theft or vandalism. Cars equipped with sophisticated anti-theft systems, such as GPS tracking and immobilisers, provide an added layer of protection, reducing the risk of the car being stolen.
Insurance companies often reward these proactive measures with discounts, encouraging owners to invest in security enhancements that not only safeguard their assets but also contribute to more affordable insurance coverage.
Driver’s Age and Experience
Insurance costs are significantly influenced by the driver’s age and experience. This is because young and inexperienced drivers are statistically more prone to accidents, and pose a higher risk for insurers. Opting for a car that’s less expensive to insure becomes a strategic choice for these drivers, helping them to navigate the financial challenges associated with higher premiums until they gain more experience on the road.
Making a wise choice when it comes to choosing a car can serve as a valuable tool for young drivers in managing insurance costs responsibly. Now, let’s take a look at the cheapest cars to insure for first-time drivers Ireland.
10 of The Cheapest Cars to Insure in Ireland This Year
1. Hyundai i10
The Hyundai i10 is a budget-friendly car that excels in fuel efficiency and ease of handling. With its compact size, it’s perfect for navigating busy city streets. Safety features like airbags and stability control contribute to its lower insurance costs.
Additionally, its straightforward design and reliable performance make it a top choice for those seeking affordability without compromising quality. This is our number one choice when considering the cheapest cars to Insure in Ireland.
2. Ford Fiesta
The Ford Fiesta, a long-time favourite, combines style with excellent fuel efficiency. Not only does it offer an enjoyable driving experience, but its safety features and reasonable repair costs make it a cheap car to insure for young drivers in Ireland. The Fiesta’s modern design and advanced technology features further enhance its appeal for drivers seeking a well-rounded and economical option.
3. Toyota Aygo
Did you know that Toyota has consistently ranked among the most popular cars in Ireland for the last number of years? It’s easy to see why! Known for its nimble handling, the Toyota Aygo is a compact car that shines in urban settings. With its efficient engine and compact design, it’s not just easy to manoeuvre; it’s also easy on the wallet when it comes to insurance.
The Aygo’s distinctive design and customizable features add a touch of personality, making it an appealing choice for those looking to express their style while keeping insurance costs low.
Tip: Toyota also offer an excellent range of hybrid cars in Ireland.
4. Volkswagen Polo
The Volkswagen Polo strikes a balance between cost and quality. Renowned for its reliability, modern technology, and a range of safety features, it consistently attracts lower insurance premiums. The Polo’s spacious interior and advanced infotainment system set it apart, providing drivers with a comfortable and enjoyable driving experience without compromising on practicality.
5. Nissan Micra
The Nissan Micra offers a comfortable ride and competitive insurance rates. Its small size makes it ideal for city driving, and its efficient engine contributes to lower overall costs. Beyond its cost-effectiveness, the Micra boasts a well-designed interior, user-friendly technology, and a reputation for durability, making it an attractive option for those seeking longevity and value from their vehicle. This car has always been one of the cheapest cars to insure for first-time drivers Ireland.
6. Skoda Fabia
The Skoda Fabia, a reliable and budget-friendly choice, is known for its practical design and efficient performance. With its compact size and economical engine options, the Fabia is not only easy on the pocket at Irish dealerships but also one of the cheapest cars to insure this year. Its safety features, including airbags and stability control, contribute to making it an affordable choice for insurance.
For young and first-time drivers looking for an economical ride without compromising safety, the Skoda Fabia stands out as a sensible and cost-effective option.
To learn more about the most reliable cars in Ireland, read our blog!
7. Peugeot 108
The Peugeot 108 is a stylish and economical choice for drivers seeking lower insurance premiums. Its compact size and efficient engine make it an ideal city car, navigating traffic with ease. The 108’s chic exterior design and customizable options provide a touch of sophistication, catering to those who want to make a statement on the road without compromising on insurance affordability. This is a great and cheap car to insure for young drivers in Ireland.
8. Renault Clio
The Renault Clio, known for its chic design and practicality, falls within the affordable insurance bracket. Its safety features and sturdy build contribute to making it a cost-effective choice. Beyond its insurance advantages, the Clio stands out with its comfortable interior, user-friendly technology, and smooth ride, appealing to drivers who prioritise both practicality and style in their daily commute.
9. Kia Picanto
The Kia Picanto is a small car that packs a punch in affordability. With cheap insurance costs and features like airbags and stability control, it’s a sensible car choice for budget-conscious drivers in Ireland. Additionally, the Picanto’s modern design, well-built interior, and fuel efficiency make it a reliable companion for those looking to balance cost and quality in their driving experience.
10. Opel Corsa
The Opel Corsa, recognised for its reliability and efficient performance, is a sensible choice for those on a budget. The Corsa’s dynamic handling, spacious interior, and advanced safety features make it an attractive option for those seeking versatility and peace of mind in their daily commute.
Choosing the right car goes beyond the upfront cost. It involves considering long-term expenses like insurance premiums. Each of these 10 cars not only excels in affordability but also safety features, making them smart choices when on the lookout for the cheapest cars to insure in Ireland.
Ready to find the best insurance for your car? At InsureMyCars.ie, you can count on us for a budget-friendly and comprehensive car insurance quote. Visit our website today!
