Affordable Cars with Low Maintenance Costs

Let's talk about why keeping car maintenance costs low is a game-changer in the wild world of UK car ownership. Beyond the initial splash-out on the car itself, you've got to think long-term.

We're going to dive into why having a ride that doesn't break the bank on maintenance is not just about saving pennies – it's about keeping your wheels rolling without bleeding your wallet dry.

So, why are some cars easier on the pocket when it comes to maintenance?

Spare part price tags, how complicated your car is under the bonnet, and the brand's reputation are the behind-the-scenes factors that decide whether or not you're paying a reasonable fee.

Understanding these factors is like having a secret weapon in the car-buying game and can be the difference between buying a smooth ride or tossing cash down the car maintenance drain.

In this article, we’re spotlighting the rides that keep costs low. We’ve chosen motors that are not only kind to your bank account but also don’t skimp on performance.

What costs should you consider?

When embarking on the exciting journey of car ownership, it's essential to keep your budget front and centre. One of the key costs to plan for is car tax, ensuring your vehicle remains road-legal without stretching your finances.

Understanding how car tax works is vital, as it can vary significantly based on your car’s age and emissions. For vehicles registered from 1 April 2017 onward, the standard annual tax is currently £190*. However, first-year rates are determined by CO₂ emissions, meaning cars with higher emissions face higher initial costs. Electric vehicles are currently exempt from tax, but starting in April 2025, they’ll be taxed at a standard rate of £195 per year after an initial £10 first-year charge.

For cars registered between 2001 and 2016, tax rates are based solely on CO₂ emissions. Cars emitting less than 100g/km of CO₂ remain tax-free, while higher-emission vehicles incur progressively higher costs. It's always wise to check the GOV.UK website for the latest updates, as rates may change over time.

Another significant cost is insurance, which varies by your car's insurance group. In the UK, cars are classified into 50 groups based on factors such as repair costs, safety features, and performance. Vehicles in Group 1 typically offer the lowest premiums, making them a great choice for budget-conscious drivers. In this article, we’ll help you compare the insurance group and tax costs of base models to identify the most cost-efficient options.

By understanding these key expenses, you can confidently choose a car that aligns with your budget and lifestyle.

So, with that, let's get into the cars we think are great bang for your buck!

1. Kia Picanto - Little Car, Big Punch

Meet the Kia Picanto – the pocket-sized mini-hatch that’s the defining car of its type.

Once you’re in the driver's seat, you're welcomed by a user-friendly interior boasting an 8 inch infotainment screen with Apple CarPlay and Android Auto. Be wary though, any fancy tech means more cost if it goes wrong.

How affordable is it?

As for the engine, you get a choice between the standard 1.0-litre petrol engine (66hp) and the turbo model, also a 1.0-litre but with 100hp. Our pick? Turbo for that extra kick, but if you want to keep the mpg as high as possible, then you know which one to choose. With an official mpg average of 55.4mpg, you’re getting your money’s worth.

The insurance group on this mini-hatch is 4 for the 66hp engine and 10 for the turbo, so if you’re looking to save money, the 66hp base model is for you.

Something to bear in mind, the Picanto was first released in 2017, so it abides by the car tax rules that were released in the same year, so its yearly tax is going to set you back £190 per year.

• These Picantos are in stock now

2. Seat Ibiza - Style and Sophistication

In the small hatchback arena, the SEAT Ibiza stands out, drawing eyes with its sculpted design and a refreshed look courtesy of the 2021 update. The exterior is matched by an interior that strikes a balance between sophistication and comfort.

Inside, the Ibiza greets you with style — a silver dash trim, vibrant air vents, and a soft-touch upper dash redefine the interior. The tech inside is very good, too, featuring an 8 inch touchscreen with Bluetooth, DAB Radio, Apple CarPlay, and Android Auto in base models. Snag a more feature-packed variant, and you'll be treated to a substantial 9.2 inch touchscreen with sat nav and fully digital instruments.

How affordable is it?

Beneath the bonnet, three 1.0-litre petrol engines cater to diverse driving preferences. The 95hp petrol engine takes the efficiency spotlight, averaging a commendable 45mpg — an economical choice for discerning drivers. Urban performance excels, navigating city streets with nimble steering and a forgiving suspension. Safety is paramount, with a five-star Euro NCAP rating, standard automatic emergency city braking, and additional safety features taking centre stage.

The road tax can vary. If you were to buy one of its predecessors from before 2017, You would be paying just £35 yearly for tax on their 1.0-litre model, but an up-to-date model will set you back that full £190 a year.

As for insurance, a 95hp Seat Ibiza is a Group 8, so it’s still pretty low and shouldn’t cost the earth.

A super Copart tip for you budding restorers – the Ibiza shares a lot of parts with the VW Polo on this list!

• Take a look at the Ibizas we have going through our auctions

3. Citroen C3 - Quirky, Meet Functionality

One of the cheapest newer cars on the market right now is the Citroen C3, a compact car that is both quirky and functional. In the driver's seat, it’s very comfortable, and it has some unique design touches such as leather-like straps and optional wood-effect trim.

How affordable is it?

Under the bonnet, there’s a plethora of engine options both petrol and diesel, including the base level 83hp 1.2-litre petrol engine, delivering a pokey performance, but still offering a fuel efficiency of 51mpg—its wonderfully kind to your bank account.

If safety is a priority, the C3 has a four-star Euro NCAP rating (2017) and standard lane departure warning to enhance on-road safety.

Of course, as with the Ibiza, you could go for an older model to take advantage of the lower tax costs, but to be honest, this newer model feels like a big enough step up to make it worth the £190 in tax.

When deciding on the car you want to rebuild, keep in mind that the most economical model falls within insurance group 14. This is an essential factor to consider as you weigh your options for rebuilding your vehicle.

So, the Citroen C3 may not boast flashy features, but it emerges as a reliable, stylish companion for your daily urban journeys!

• Take a look at the C3s we have in stock

4. VW Polo - Reliability and Tech

Up next, the hatch with a badge that leaves us with high expectations, the VW Polo. With its sleek design, fuel-efficient engine, and advanced technology features, the VW Polo aims to redefine the standard for affordable hatchbacks in its class.

How affordable is it?

Under the bonnet of the most recent model, the Polo offers a range of engine sizes, with the star being the 1.0-litre 3-cylinder petrol engine. Opt for the turbocharged version for that extra oomph. Known for its efficiency, this engine is pretty balanced. It feels pokey when you need it to be but can be extremely economical otherwise. Especially handy for city dwellers.

Worried about the taxman? Fear not! The Polo sits comfortably with the annual tax on the base level engine costing £190, making it a pocket-friendly choice. If you wanted to go even further you could get yourself a post-2001, pre-2017 model and the tax will be judged purely on its CO2 emissions, so it may be even cheaper.

Insurance costs too are great with it being in insurance group 1.

Reliability is Volkswagen’s superpower, so the Polo is built to last. It has earned its stripes as one of the leading hatchbacks in this department.

While the Polo's reliability is unquestionable, it's only fair to mention the occasional pitfall. Some users have noted concerns about the LED headlights, which, though standard and stylish, might dent the wallet a bit more when replacement time comes.

As we mentioned earlier, the Polo shares a lot of parts with the Seat Ibiza, so you’ll have to do some research, but generally Seat parts are cheaper to buy than VW thanks to the luxury badge the Polo sports. Watch out though, using off brand parts may void any warranties on the vehicle.

• These Polos are in stock now

Looking for your next cost-efficient ride? At Copart, we make it easy to find a vehicle that fits your budget and needs. From reliable hatchbacks to stylish city cars, our auctions are brimming with options ready for you to explore.

* Source: GOV UK Vehicle Tax Rates