When you're starting out behind the wheel, finding the cheapest cars to insure in Ireland can make a big difference to your budget. Between buying the car, paying for fuel, maintenance, and sorting out young driver insurance, costs can add up fast. But don’t worry, choosing the right car can keep your insurance premium lower and help you save big in the long run.

Why Some Cars Are Cheaper to Insure

Before diving into the list, let’s quickly talk about why some of the cheapest cars to insure in Ireland stand out from the rest. Insurers look at things like engine size, safety features, repair costs, and the likelihood of claims. Smaller, reliable cars with low-powered engines are seen as lower risk – and that’s good news for your wallet. They’re usually driven at slower speeds and involved in fewer high-impact accidents, which means less potential damage. They’re also cheaper and quicker to repair, which lowers the cost of claims.

This helps explain why these types of vehicles often land on the list of cheap cars to insure in Ireland.

Cheapest Cars to Insure in Ireland This Year

1. Volkswagen Polo

The Volkswagen Polo has long been a favourite for first-time drivers. It’s compact, reliable, and cheap to run. Models with a 1.0L petrol engine fall into lower insurance groups, which helps cut costs.

You’ll also find plenty of second-hand Polos on the market, making it easier to grab one without breaking the bank. Plus, it’s solidly built and holds its value well. With its sleek design, practical interior, and strong safety ratings, the Polo strikes a great balance between style and substance. This makes it a smart and popular choice for young drivers.

2. Toyota Yaris

If you’re after a car that just keeps going, the Toyota Yaris is a strong shout. It’s a go-to for anyone looking for a reliable ride with low running costs and impressive fuel efficiency.

The Yaris has a reputation for being super dependable, and the 1.0L or 1.3L engines are perfect for keeping insurance costs down. No wonder it's considered one of the cheapest cars to insure for first time drivers in Ireland.

3. Hyundai i10

For city drivers, the Hyundai i10 is a smart choice. It’s small but practical, easy to park, and cheap to maintain. Models with a 1.0L or 1.2L engine are generally more affordable to insure.

Its tight turning circle and light steering make it perfect for navigating narrow streets. Plus, its impressive build quality gives it a more premium feel than many rivals in the same category.

This makes it one of the best cheap cars to insure for young drivers Ireland has to offer. Especially for those looking for a second-hand option that doesn’t compromise on comfort.

4. Ford Fiesta

A classic for a reason. The Ford Fiesta has long been one of the best-selling cars for young drivers in Ireland. It’s fun to drive, easy to handle, and widely available on the second-hand market. While production officially ended in July 2023, there are still plenty of used models around - and they remain a popular pick.

Stick with models that have smaller engines (like 1.0L or 1.25L), and you’re looking at a low insurance group and a decent shot at affordable cover. With great fuel economy, solid reliability, and good safety ratings, it easily ranks among the cheapest cars to insure in Ireland this year – all without feeling too basic behind the wheel.

5. Skoda Citigo

If minimalism is your vibe, the Skoda Citigo is well worth a look. Discontinued in 2019 and replaced by the electric Citigo-e iV, this model remains a firm favourite on the second-hand market. Especially among first-time drivers!

It’s compact, light, and ideal for urban driving, making it one of the cheapest cars to insure for first time drivers Ireland. With a 1.0L engine, low emissions, and great fuel economy, it keeps running and insurance costs down. Its no-fuss design offers safety, reliability, and excellent value. It's a great match for younger drivers who are still new to driving a car and looking to keep expenses low.

6. Peugeot 208

Stylish and surprisingly spacious, the Peugeot 208 is a hit with young drivers. It’s practical but doesn’t compromise on looks. It offers a premium feel for its price point, with a modern interior, responsive
handling, and great fuel efficiency.

Go for a model with a 1.0L or 1.2L petrol engine to stay in the lower insurance groups. With its combination of affordability and comfort, the 208 is a strong contender for young drivers. Add in its sharp design, and it’s no surprise it stands out among the cheapest cars to insure in Ireland.

Things to Keep in Mind When Shopping for Cheaper Cars to Insure in Ireland

When hunting for the cheapest cars to insure in Ireland, it’s not just about the make and model. Insurers also look at:

Your age and experience – First-time and younger drivers are seen as higher risk.
Annual mileage – More time on the road = higher risk.
Car modifications – They might look cool, but they can push up your premium.
Claims history – A clean record keeps costs lower.
Where you live – Urban areas can come with higher rates.

So, while choosing the right car helps, these other factors play a role too. Check out what other factors impacts insurance premiums.

Picking one of the cheapest cars to insure in Ireland is a solid way to cut costs – especially if you’re starting out. Small, fuel-efficient cars with good safety ratings and low engine sizes are your best bet. And the good news? There are loads of second-hand gems that won’t wreck your budget!

Ready to get on the road for less? At Coverinaclick.ie, we specialise in cheap car insurance for young and first-time drivers across Ireland. Get a quote today and see how much you could save.