The cheapest first cars to insure are those in the lowest insurance groups. These run from 1 to 50, with 1 being the most affordable. Cars that fall into a group 1 insurance rating include the Volkswagen Polo, SEAT Ibiza and petrol-engined Volkswagen Up, although most of the car ranges here include a low-power model that has very affordable insurance. Other factors that help keep insurance costs down include a decent amount of active safety assistance tech, plus low repair costs.