Top 10 Cheapest Estate Cars to Insure in the UK (2026)

Estate cars such as the Skoda Fabia Estate, Dacia Logan MCV and Vauxhall Astra Sports Tourer are often among the cheapest to insure. These models usually have modest engines, lower repair costs and sit in more affordable insurance groups.

Not always. Many estate cars share the same engines and safety features as hatchbacks, which means they can sit in similar insurance groups despite offering more space.

In some cases, yes. Diesel engines can increase insurance costs due to higher repair and emissions control costs, but this varies by model, engine size and insurer.

Boot space itself does not affect insurance premiums. However, estate cars are often used for longer journeys, and higher annual mileage can influence insurance prices.

Yes. Many automatic estate cars with sensible power outputs and strong safety features are still reasonably priced to insure, especially in lower insurance groups.

Yes. Always compare car insurance prices before buying to understand how different estate models affect both insurance costs and overall running costs.

Not necessarily. Hybrid estate cars can be competitively priced to insure when they have strong safety ratings and reasonable repair costs, though this depends on the specific model.

Yes. Higher annual mileage generally increases insurance costs, as it raises the likelihood of a claim. Keeping mileage realistic can help reduce premiums.

Yes. Many insurance providers allow breakdown cover to be added for roadside assistance and recovery, though it usually comes at an additional cost.

Increasing voluntary excess can reduce insurance premiums, but it should only be set at a level you can comfortably afford if you need to make a claim.

Yes. Recent 2025 Q4 data often highlights models such as the Skoda Fabia Estate, Dacia Logan MCV, Ford Focus Estate and Skoda Octavia Estate as among the cheapest to insure due to lower insurance groups and repair costs.

The cheapest estate cars to insure typically have low running costs thanks to good fuel economy, smaller engines and affordable servicing and repair costs.

You can identify estate cars with lower insurance costs by checking insurance group ratings alongside new and used listings from UK dealers and online marketplaces, then comparing insurance quotes before buying.

Not always. Family-sized estate cars can sometimes be cheaper to insure if they sit in a lower insurance group and are fitted with strong safety features. Insurers often see larger family estates as lower risk when they are driven fewer miles and used for everyday family journeys rather than high-risk driving.