Top 10 cheapest electric cars to insure 2025

Car insurance is a legal requirement for all drivers, no matter who you are or what car you own. It’s often one of the most significant expenses when buying a new vehicle. For those switching from combustion engines to electric cars, understanding which models are the most affordable to insure can save you money. But which are the cheapest electric cars to insure?

When exploring electric cars, it’s helpful to understand insurance groups. UK cars are assigned to groups ranging from 1 to 50, with lower numbers representing the cheapest cars to insure. These groupings are based on factors like repair costs, original price, and performance, meaning faster and more expensive models are typically in the higher brackets.

For instance, vehicles like the Porsche Taycan and Tesla Model 3 occupy some of the most expensive groups, while more modest options fall lower on the scale. At the affordable end, you’ll find a wide range of models, from a sporty Abarth to a sleek Alfa Romeo SUV. The key to finding the cheapest electric cars to insure is thorough research before committing to a purchase. To help, we’ve compiled a handy guide to some of the most budget-friendly EVs for insurance.

The cheapest electric cars to insure

We have compared all the EVs on the market to bring you a list of the cheapest electric cars to insure that are currently available in the UK. If the overall cost price of buying a new EV is more important to you, then take a look at our list of the top 10 cheapest electric cars.

1. Fiat 500e

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• Model: 500e Electric 25kWh 
• Insurance group: 16
• Prices from £24,995

Fiat’s electric 500 is perhaps the ideal city car if you can live with its cramped back seats. It’s stylish and easy to drive, and models with the larger battery offer close to 200 miles of range – perfect if you primarily nip around town but have the occasional longer journey, too. The well-specified La Prima trim sits in group 18, while the cheaper entry-level spec with the smaller 25kWh battery occupies group 16. 

Read our full Fiat 500e review to find out more.

2. Mazda MX-30

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• Model: MX-30 Prime 35.5kWh
• Insurance group: 19
• Prices from £27,995

Mazda often does things a little differently to other manufacturers, and its MX-30 EV is a prime example of that. Rather than prioritising range, Mazda deliberately chose a compact battery to keep costs and weight down. The resulting 124-mile range looks low but is perfectly fine for customers, according to Mazda’s research. An upside to the small battery is that the quirky MX-30 is one of the cheapest new electric cars, while insurance is relatively cheap too. All versions sit in group 19 out of 50. 

Read our full Mazda MX-30 review to find out more.

3. MINI Cooper

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• Model: E Classic 41kWh
• Insurance group: 20
• Prices from £30,000

The MINI Cooper E Classic gives you all the thrills of MINI ownership, now in electric form. With 181bhp, it’s quick off the mark, hitting 0-62mph in 7.3 seconds. Its group 20 insurance rating keeps the cost of ownership in check, but if you're after more performance, the SE ups it to 215bhp and drops the 0-62mph time to 6.7 seconds – the insurance jumps to group 26, though. The Cooper E Classic brings MINI’s signature agility and compact size, but without the steep insurance premiums usually found in performance-oriented cars.

Read our full MINI Cooper review to find out more.

4. MINI Aceman

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• Model: E Classic 38.5kWh
• Insurance group: 20
• Prices from £31,800

The new MINI Aceman sits between the Cooper and Countryman in the MINI range, bringing a compact SUV feel with MINI's usual go-kart handling. The E Classic version offers 181bhp, hitting 0-62mph in 7.3 seconds, with a sensible group 20 insurance rating. The SE version ramps up power to 215bhp and lowers the 0-62mph time to 6.7 seconds, but expect a bump to group 26 for insurance. While it sits in the SUV category, it delivers MINI’s sharp, responsive handling, making it one of the more engaging small EVs available – especially for those looking to keep costs reasonable.

Read our full MINI Aceman review to find out more.

5. Vauxhall Combo Life Electric

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• Model: Design
• Insurance group: 21
• Prices from £32,180

The Vauxhall Combo Life Electric is all about practicality over glamour. It’s a family MPV that offers up to seven seats, with the five-seat version providing a cavernous 2,126-litre boot when the seats are folded down. Even with the seats up, you’ve got 597 litres of usable space. On the road, it’s quiet and comfortable, even at motorway speeds. The 174-mile quoted range covers most everyday journeys, and its insurance group 21 keeps premiums affordable. It might not win any style awards, but for anyone needing a no-nonsense electric car with loads of space, it’s an obvious choice.

Read our full Vauxhall Combo Life Electric review to find out more.

6. Citroen e-C4

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• Model: Max
• Insurance group: 22
• Prices from £34,900

The Citroen e-C4 is all about comfort. Its suspension smooths out rough roads, making it a solid choice for relaxed, long-distance drives. The 54kWh battery offers a quoted range of 257 miles, more than enough for daily commutes and weekend trips. Inside, it’s spacious with plenty of legroom and a practical, user-friendly layout. The Advance Comfort seats add a layer of refinement that makes this a genuinely comfortable car to live with. With an insurance group of 22, it’s an affordable option that doesn’t skimp on comfort or usability.

Read our full Citroen e-C4 review to find out more.

7. Abarth 500e

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• Model: 500e
• Insurance group: 23
• Prices from £34,195

The Abarth 500e brings bucket loads of charisma and personality to the electric car world, with sharp handling and a fun-to-drive nature that prioritises character over outright performance. The compact size and well-tuned suspension make it a joy through corners, offering a large amount of grip in most situations, but if you are too heavy with the accelerator, you may find yourself losing traction. 

The Abarth produces 155bhp and 235Nm of torque and accelerates from 0-62mph in 7 seconds, offering more than enough punch. The compact size and well-tuned suspension make it a joy through corners. In insurance group 23, it makes insurance manageable for EV enthusiasts looking for a little more flair, without the hefty insurance costs of some rivals.

Read our full Abarth 500e review to find out more.

8. Alfa Romeo Junior

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• Model: Elettrica 54kWh
• Insurance group: 23
• Prices from £33,895

Few would expect to find a premium Italian SUV on a list of the cheapest electric cars to insure, but Alfa Romeo’s first EV, the Junior, has done just that. Far from being a box-ticking exercise, the Junior has been thoughtfully engineered, with careful tuning of key components like the brakes and steering to deliver a genuinely enjoyable driving experience. It’s practical too, with 400 litres of boot space and generous headroom, making it a solid choice for most families.

The entry-level Junior Elettrica sits in the lowest insurance group of 23 and delivers 154bhp, allowing it to sprint from 0-62mph in nine seconds. This version also offers the highest quoted range of up to 255 miles. For those seeking more power, a 276bhp variant is available, capable of achieving 0-62mph in just 5.4 seconds. However, this model jumps to insurance group 34 and sacrifices some range, with a quoted maximum of 208 miles.

Read our full Alfa Romeo Junior review to find out more.

9. BYD Dolphin

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• Model: Active
• Insurance group: 23
• Prices from £26,195

The BYD Dolphin is one of the most affordable EVs on this list, and it’s an electric supermini that’s well worth considering. Starting from just over £26,000, it offers great value for money with a quoted range of up to 265 miles and a strong level of standard equipment, including Apple CarPlay, Android Auto, and 360-degree cameras. Better still, it sits in insurance group 23, meaning you won’t have to spend a fortune insuring it either, making it an even more appealing choice.

Read our full BYD Dolphin review to find out more.

10. MINI Countryman

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• Model: E Classic 66.5kWh
• Insurance group: 23
• Prices from £42,080

Finishing off our MINI trifecta, the Countryman is a family-friendly car that doesn’t sacrifice character. Its interior is well-designed and easy to use, retaining that iconic MINI charm, while offering a quoted range of up to 285 miles. For those after four-wheel drive, the twin-motor variants are an option, although these reduce the range to 266 miles. The E Classic sits in insurance group 23, making it the most affordable to insure, while the higher-spec E Sport and E Exclusive models rise to group 24. The twin-motor versions climb further still, reaching group 31.

Read our full MINI Countryman review to find out more.

Top 10 cheapest electric cars to insure

1. Fiat 500e
2. Mazda MX-30
3. MINI Cooper
4. MINI Aceman
5. Citroen e-C4 
6. Vauxhall Combo Life Electric
7. Abarth 500e
8. Alfa Romeo Junior
9. BYD Dolphin
10. MINI Countryman

Are electric cars cheaper to insure?

While driving an electric car may offer you plenty of savings on traditional fossil fuels and currently on VED (road tax) costs, insurance costs are an area that tend to be a bit more pricey than their combustion counterparts. This is due to the combination of the vehicle's original value being typically more than normal cars, and the potential risk of expensive repair costs in the event of an accident being deemed to be higher. This then causes insurers to push EVs into higher insurance groups which increases the cost.

That doesn’t necessarily mean electric cars are incredibly expensive to insure; our list of electric cars should offer reasonable insurance premiums. However, if you want more comprehensive information, feel free to read our full guides on electric car running costs and electric car insurance here.

How much does electric car insurance cost?

Realistically it’s impossible to say how much it would cost for you to insure an electric car. Insurance costs vary based on many different factors, such as where you live, your driving history, your job and which car you choose. It’s always best to get insurance quotes for the car you’re planning to buy before you commit.