If you’re looking for a car that’s big on performance and power but little on insurance, rest assured we’ve handpicked the top 3 fastest cars with cheap insurance, so you don’t have to. Insurance premiums, especially for younger drivers, can be quite expensive, making it much harder for them to purchase or finance a car in the first place. You need to consider other costs, like road tax, servicing, breakdown cover, and MOTs. Not all high-performing cars have ridiculously high insurance packages attached to them, though.
While it’s a given that smaller cars with less power are much cheaper to insure, like the Kia Picanto or Hyundai i10, you don’t need to break the bank to get an aesthetically pleasing car that can thrill and excite you on the road, literally. If you’re thinking of leasing or financing, then, unfortunately, you won’t be able to customise the vehicle, especially from a technical standpoint.
If you’re looking to buy a car outright, then you can always consider customisation and tuning options to take your beloved car to the next level. This can include anything from changing the seat covers to embroidered ones, a new gear stick, alloys, and even a personal registration to make your car unique. You can personalise your registration plate by using this number plate search online.
Let’s dive right into the top 3 fastest cars with cheap insurance.
1. Mazda MX-5 RF
The Mazda MX-5 models range from insurance groups 25 to 34, but just to put it into perspective, cars in insurance groups 1-10 are typically the cheapest to insure, but these won’t give you the speed you’re looking for.
The Mazda MX-5 RF is known for its road-holding abilities, allowing it to carry plenty of speed at a powerful pace. It also boasts a modern, simple design, perfect for everyday use and long trips.
You’ll want to opt for the 180hp 2.0-litre petrol engine when it comes to speed. It’s quicker than the 160hp 2.0-litre engine, although this model can reach 62mph in just 7.4 seconds! An even cheaper alternative would be the 1.5-litre engine. It boasts great capabilities but with less speed. All engine models are great choices for the Mazda MX-5 RF.
Of course, age is a huge factor in deciding your insurance premium. The younger you are, the more expensive it will be as you’ll have less experience driving on the road. See below for further details.
Insurance Group 25.
- 20 years – £1,496.
- 30 years – £868.
- 40 years – £761.
- 50 years – £614.
You can view a full list of insurance premiums for the Mazda MX-5 RF here.
2. Audi S3.
As we all know, Audi is a renowned and reputable brand known for its stylish appearance and technical capabilities. The S3 is an everyday hatchback designed by German manufacturers and is seriously quick. It can reach 62mph in an incredible 4.8 seconds! The S3 boasts a 2.0-litre turbocharged engine which produces an incredible 300hp. In addition, it features a standard fit four-wheel drive system, making it a powerful model for whoever drives it.
The S3 models range from insurance groups 36 to 41.
Insurance Group 36.
- 20 years – £1,593.
- 30 years – £924.
- 40 years – £810
- 50 years – £653.
You can view a full list of insurance premiums for the Audi S3 here.
3. BMW M235i
Of course, BMW made it onto the list. The reliable and exceptional brand is known for its powerful models, making it one of the leading automotive brands in the world.
The BMW M235i 2 series matches the S3 outlined above, and with speed it provides any driver, the insurance is relatively low compared to other speedy models. The M235i boasts an impressive 3.0-litre engine that can reach 62mph in just 4.8 seconds – ideal for long stretches of road when you’re on the motorway.
The M235i models range from insurance groups 20 to 27. We’ve included a few insurance groups below, but you can view a full list here.
Insurance Group 20.
- 20 years – £1,407.
- 30 years – £816.
- 40 years – £715.
- 50 years – £577.
Insurance Group 22.
- 20 years – £1,431.
- 30 years – £830.
- 40 years – £727.
- 50 years – £587.
Insurance Group 24.
- 20 years – £1,471.
- 30 years – £854.
- 40 years – £748.
- 50 years – £604.
Insurance Group 25.
- 20 years – £1,496.
- 30 years – £868.
- 40 years – £761.
- 50 years – £614.
Insurance Group 26.
- 20 years – £1,521.
- 30 years – £882.
- 40 years – £773.
- 50 years – £624.
Insurance Group 27.
- 20 years – £1,541.
- 30 years – £894.
- 40 years – £783.
- 50 years – £632.
Please note that the costs listed within this article are estimates and averages. To get full quotes on the models above, we highly recommend using comparison websites and searching for the best deal!
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