Every car is placed into an insurance group from 1 to 50, which helps insurers calculate how expensive it is to insure.

Groups 1–5: Usually the cheapest to insure and ideal for most new drivers.

Groups 6–10: Still relatively affordable, but premiums may be a little higher.

Groups 11–20: Mid-range insurance costs.

Groups 21–50: Generally more expensive to insure and often less suitable for inexperienced drivers.

Choosing a car with a lower insurance group, adding an experienced named driver, paying annually if possible and building a no-claims bonus can all help reduce your premium. Always compare quotes from different insurers before making a decision.

Insurance categories are used to classify vehicles that have previously been damaged and repaired or written off by an insurer. Categories such as Category S (structural damage) and Category N (non-structural damage) are the most common. While these vehicles can often be repaired and returned to the road, it's important to understand their history before buying, as they may affect resale value and insurance premiums.

Road tax (Vehicle Excise Duty) depends on the vehicle you choose. Many smaller, fuel-efficient cars have lower annual tax costs, while larger or more polluting vehicles can cost significantly more. Always check the exact amount before buying, as it can vary from one model to another.

An MOT is a legal roadworthiness test required for most vehicles once they're three years old. It checks that your car meets minimum safety and environmental standards. You'll need a valid MOT certificate to drive legally unless you're travelling to a pre-booked MOT appointment.

Most manufacturers recommend servicing your car every 12 months or around 10,000–12,000 miles, whichever comes first. Some vehicles have longer service intervals, so always check your owner's handbook. Regular servicing helps keep your car reliable, safe and can prevent expensive repairs later on.

Maintenance costs vary depending on the vehicle, but it's sensible to budget for regular servicing, replacement tyres, brake pads, wiper blades and unexpected repairs. Looking after your car with routine maintenance is usually much cheaper than waiting until something goes wrong.

For most new drivers, a small petrol car is often the simplest and most cost-effective option. However, the right choice depends on how far you drive, your budget and where you'll be using the car. Each type has its own advantages and running costs.

1. Always check the vehicle's MOT history, service history, mileage and condition before buying. If possible, have someone experienced inspect the car and carry out a vehicle history check to ensure there are no outstanding finance agreements or hidden issues.