Top 10 Cheapest 7-Seater Cars to Insure in the UK (2026)

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Seven-seater cars are designed for families, extra passengers and everyday practicality, but they do not always attract the highest insurance premiums. Insurers focus heavily on how a vehicle is used, the number of occupants, and the level of risk linked to family driving patterns rather than size alone. When you compare car insurance prices for different 7-seaters, you’ll often find that MPVs and estate-style models with sensible engines sit in more affordable insurance groups.

The figures below reflect typical UK averages, based on market data and Free Price Compare analysis. Actual insurance premium costs depend on factors such as driver age, postcode, mileage, named drivers and the specific model version.

Check family car insurance costs by model

Why insurers view 7-seater cars differently

From an insurer’s perspective, 7-seaters are assessed less on performance and more on passenger liability and usage patterns. Key factors include:

  • Number of seats and potential passengers
  • Child passengers and family use
  • Safety rating across all rows of seats
  • Likely mileage from school runs and family trips
  • Repair costs for larger body panels

Cars that are clearly positioned as family cars, rather than high-performance or luxury vehicles, often attract more stable insurance costs.

Top 10 Cheapest 7-Seater Cars to Insure – Cost Overview

7-seater model Typical used price Est. annual insurance cost* Insurance group
Dacia Jogger £9,000–£14,000 £480–£730 13–16
Volkswagen Touran £10,000–£15,500 £500–£760 14–17
Citroën Grand C4 Picasso £9,500–£14,500 £490–£750 14–17
Ford S-Max (older models) £10,000–£15,000 £520–£780 15–18
Peugeot 5008 £11,000–£16,000 £530–£800 16–19
Nissan X-Trail (7-seat) £11,500–£17,000 £540–£820 16–20
Skoda Kodiaq (entry trims) £12,000–£18,000 £550–£840 17–21
Toyota Verso £9,500–£14,000 £500–£760 15–18
SEAT Alhambra £11,000–£17,500 £560–£850 17–22
Kia Sorento (2015–2020) £12,000–£19,000 £580–£900 24–28

*Indicative insurance costs based on UK averages.

Insurance costs can vary widely depending on driver age, location and driving experience, which is why checking prices early can help manage the overall cost of cover.

1. Dacia Jogger

  • Typical used price: £9,000–£14,000
  • Estimated insurance cost: £480–£730
  • Insurance group: 13–16

The Dacia Jogger is often the cheapest 7-seater to insure in the UK, thanks to its estate-style design and low running costs.

Why it’s cheaper to insure:

  • Lower insurance group rating
  • Modest petrol engines
  • Lightweight construction
Dacia Jogger

See insurance costs for similar 7-seaters

Volkswagen Touran

2. Volkswagen Touran

  • Typical used price: £10,000–£15,500
  • Estimated insurance cost: £500–£760
  • Insurance group: 14–17

The Touran is a traditional MPV with a predictable family-use profile that insurers understand well.

Why it’s cheaper to insure:

  • Strong safety rating
  • Practical interior over performance
  • Stable claims history

3. Citroën Grand C4 Picasso / Spacetourer

  • Typical used price: £9,500–£14,500
  • Estimated insurance cost: £490–£750
  • Insurance group: 14–17

This MPV focuses on comfort and passenger safety rather than power, helping keep insurance premiums manageable.

Why it’s cheaper to insure:

  • Family-focused design
  • Good visibility and safety tech
  • Controlled engine outputs
Citroën Grand C4 Picasso / Spacetourer
Ford S-Max

4. Ford S-Max (older models)

  • Typical used price: £10,000–£15,000
  • Estimated insurance cost: £520–£780
  • Insurance group: 15–18

Older S-Max models offer seven seats without the high insurance costs often linked to newer, tech-heavy vehicles.

Why it’s cheaper to insure:

  • Proven safety record
  • Wide availability of parts
  • Sensible engine options

Check typical family insurance premiums

5. Peugeot 5008

  • Typical used price: £11,000–£16,000
  • Estimated insurance cost: £530–£800
  • Insurance group: 16–19

The 5008 combines SUV styling with MPV practicality, often sitting lower in insurance groups than larger rivals.

Why it’s cheaper to insure:

  • Strong safety equipment
  • Lower-power engine choices
  • Family-oriented usage
Peugeot 5008
Nissan X-Trail (7-seat)

6. Nissan X-Trail (7-seat)

  • Typical used price: £11,500–£17,000
  • Estimated insurance cost: £540–£820
  • Insurance group: 16–20

Seven-seat X-Trail models are generally used as family transport rather than off-road vehicles, which insurers view as lower risk.

Why it’s cheaper to insure:

  • Practical passenger space
  • Moderate power output
  • Consistent safety performance

7. Skoda Kodiaq (entry trims)

  • Typical used price: £12,000–£18,000
  • Estimated insurance cost: £550–£840
  • Insurance group: 17–21

Entry-level Kodiaq models are often cheaper to insure than expected for a large 7-seater.

Why it’s cheaper to insure:

  • Strong safety ratings
  • Sensible trim levels
  • Family-focused driving patterns
Skoda Kodiaq (entry trims)
Toyota Verso

8. Toyota Verso

  • Typical used price: £9,500–£14,000
  • Estimated insurance cost: £500–£760
  • Insurance group: 15–18

The Verso is known for reliability and predictable ownership, which can help reduce insurance costs.

Why it’s cheaper to insure:

  • Low claim frequency
  • Proven reliability
  • Practical interior layout

9. SEAT Alhambra

  • Typical used price: £11,000–£17,500
  • Estimated insurance cost: £560–£850
  • Insurance group: 17–22

The Alhambra’s MPV layout and spacious interior suit family use rather than high-risk driving.

Why it’s cheaper to insure:

  • Stable driving profile
  • Good safety kit
  • Moderate performance
SEAT Alhambra
Kia Sorento (2015–2020)

10. Kia Sorento (2015–2020)

  • Typical used price: £12,000–£19,000
  • Estimated insurance cost: £580–£900
  • Insurance group: 24–28

While not the cheapest overall, the Sorento offers reasonable insurance costs for a large 7-seater.

Why it’s cheaper to insure (for its size):

  • Strong safety ratings
  • Reliable engines
  • Family-focused ownership

How passenger capacity changes insurance risk for 7-seaters

Insurers treat 7-seater cars differently because carrying more passengers increases potential liability in the event of an accident. The risk is not just about vehicle size, but about the number of people being transported, particularly when rear seats are in use.

Seven-seaters designed specifically for family use, with proper rear seating positions, integrated seatbelts and consistent safety protection across all rows, are often assessed more favourably than vehicles where extra seats are occasional or cramped. Models with strong safety ratings across the full cabin tend to attract more stable car insurance premiums.

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Why family driving patterns matter more than engine size

For many insurers, how a 7-seater is used matters more than outright performance. Vehicles primarily used for school runs, short local journeys and weekend family trips are often seen as lower risk than cars used for high mileage or mixed driving purposes.

Insurers also factor in predictable usage, such as regular routes and steady mileage, when calculating premiums. Seven-seaters driven in familiar areas, at lower speeds and with consistent drivers are often associated with fewer severe claims, which can help moderate insurance costs over time.

Check how usage patterns influence premiums

Seating layout and safety design: what insurers look for

The internal layout of a 7-seater plays a major role in how insurers assess risk. Vehicles with clearly defined rear seats, proper head restraints and reinforced side protection across all seating rows are generally viewed as safer than cars with fold-down or temporary seating.

Insurers also consider how easily passengers can access rear seats, as awkward entry or cramped layouts can increase injury risk during sudden stops or collisions. Seven-seaters built on dedicated family platforms tend to score better in this area than adapted vehicles.

FAQs: Cheapest 7-Seater Cars to Insure

Some of the cheapest 7-seater cars to insure in the UK include models such as the Dacia Jogger, Volkswagen Touran and Citroën Grand C4 Spacetourer. These vehicles are often placed in lower insurance groups because they are designed for family use, have modest engine power and predictable driving patterns.

In most cases, yes, because carrying more passengers increases potential claim costs. However, many 7-seaters aimed at families still attract reasonable car insurance premiums when they have good safety ratings and sensible engines.

Insurers consider passenger numbers because more occupants increase potential injury and liability costs. Seven-seaters with strong safety ratings, well-designed back seats and protection across all rows are often rated more favourably than heavier or less secure vehicles.

Often, yes. The age of your car plays a role in insurance pricing, as used 7-seaters usually have a lower replacement value, which can reduce the likely cost of a claim. However, safety features and condition still have a major impact.

Petrol 7-seaters are often cheaper to insure than diesel versions because they typically have lower repair costs and simpler emissions systems. Insurance costs still depend on the specific model, engine size and insurance group rating.

Models such as the Dacia Jogger, Volkswagen Touran and certain Ford S-Max variants are often seen as reliable family cars with manageable car insurance costs. A strong reliability record can reduce claims frequency, which helps keep premiums down.

New cars often cost more to insure because repair and replacement costs are higher. That said, some newer 7-seaters with advanced safety technology can still offer good value insurance when they sit in a reasonable insurance group.

To find the best deal, compare quotes using the exact model version, engine and seating layout. Insurance prices can vary widely based on factors such as driver’s age, postcode and mileage, so accurate details are essential.

Yes. A comprehensive car insurance policy often provides the best balance of cover and value for family vehicles, especially when children are regular passengers. In many cases, comprehensive cover is competitively priced on lower-risk 7-seaters.

Yes. Selecting a 7-seater in a lower insurance group, with sensible engine power and strong safety features, can significantly reduce the cost of your car insurance premiums over time.

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Page last updated on: 31/12/2025

Page reviewed by: Shay Ramani

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