Top 10 Safest Cars You Can Buy Cheaper insurance

Why cars are getting safer

The introduction of the New Car Assessment Program (NCAP) in 1997 and the launch of Euro NCAP Safety Assessments have saved more than 78,000 lives.

Euro NCAP rating systems encouraged automakers to produce safer vehicles, but when testing was first introduced, it was controversial among automakers.

  • manufacturers complained that Euro NCAP tests were too strict

  • they claimed that it would be impossible to achieve a high score

  • some of the most popular cars of the time, including the Rover 100, Fiat Punto and Nissan Micra, only received a safety star or two

Buying a safer car in 2020

More than 20 years later, and with Euro NCAP tests becoming more comprehensive over the years, new cars regularly receive four or five star ratings.

Safer cars and cheaper insurance

Safety ratings can also impact insurance costs.

  • From 2014, new cars had to be equipped with Autonomous Emergency Braking (AEB) to achieve the maximum five stars in Euro NCAP safety tests.

  • insurers may consider that cars with AEB are less likely to be at fault in the event of an accident, as research has shown that AEB reduces the risk of accidents by up to 27%

What is the safest car I can buy?

Our list of the ten safest cars is based on the latest five-star Euro NCAP ratings. These were released in January 2020.

The notes cover different classes of cars. So, although star ratings cannot be compared directly between different vehicle categories, we have selected the highest rated vehicles in each class.

We’ve included the top four ratings – adult occupant, child occupant, pedestrian, and safety assistance – all of which are rated as percentages.

The safest small family cars


The Mercedes-Benz CLA scored over 90% in three of the four safety areas and achieved the best overall rating of the year.

The four-door lounge’s Euro NCAP safety score was 96% for adult protection, 91% for children, 77% for pedestrians and 75% for safety assistance.

“The Autonomous Emergency Braking System (AEB) performed well in the low-speed functionality tests, typical of city driving, where many neck injuries are caused, with collisions avoided or mitigated in all road scenarios. test. “

Mazda 3
The Mazda 3 came second in the Euro NCAP small family car category with a score of 98% for adult protection, 87% for child protection, 81% for pedestrian protection and 73% for assistance. Security.

The Mazda 3 received the highest rating for adult occupant safety in the small car category.

The standard Autonomous Emergency Braking (AEB) system, known as ‘Smart Brake Support’, performed well when testing its low-speed functionality, typical of city driving, during which many cervical traumas occur. “

The safest large off-road cars

Tesla Model X

Tesla’s Model X achieved a Euro NCAP score of 98% for adult protection, 81% for children, 72% for pedestrian safety and 94% for safety assistance. It shared the first place in this category with the BMW 3 Series.

“Tests on the front seats and head restraints have shown good protection against whiplash in a rear crash. “

BMW 3 Series

The BMW 3 Series shares the top spot in the Euro NCAP large family car category with Tesla Model X. Although BMW has performed better in pedestrian protection, Tesla is ahead of it in pedestrian assistance. Security. BMW obtained 97% adult occupant, 87% child occupant, 87% pedestrian and 76% safety assistance.

“The car scored the maximum points in both side impact tests, with good protection of all critical areas of the body both during the impact on the barrier and during the more severe post test.”

Tarraco Headquarters

Seat Tarraco’s Euro NACP score was 97% adult occupant, 84% child occupant, 79% pedestrian and 79% safety assistance. In the side barrier test and side post impact the protection of all critical areas of the body was good and the Tarraco scored the maximum points.

“In the side barrier test and the impact on the side post, the protection of all critical areas of the body was good and the Tarraco scored the maximum points.”

Safest electric and hybrid

Tesla model 3

Tesla Model 3 scored 96% for adult protection, 86% for children, 74% for pedestrian safety and 94 for safety assistance. The Tesla Model 3 was one of the top rated in the safety aids category in NCAP crash tests.

“Tests on the front seats and head restraints have shown good protection against whiplash in a rear crash. “

Safest Small All-Terrain / Small MPV Class

Subaru Forestier

Subaru Forester’s Euro NCAP score was 97% adult occupant, 91% child occupant, 80% pedestrian and 78% safety assistance. NCAP said the Forester had excellent overall safety performance.

“Tests on the front seats and head restraints have shown good protection against whiplash in a rear crash. “

The safest small all-terrain vehicles

The safest city cars

Audi A1

The Audi A1 Euro NCAP score was 95% adult occupant, 85% child occupant, 73% pedestrian and 80 safety assistance. It is tied for first place in the safest supermini category with the Renault Clio.

Renault Clio

Renault Clio’s Euro NCAP score was 96% adult occupant, 89% child occupant, 72% pedestrian and 75% safety assistance. The Clio has been one of Europe’s most popular and desirable sedans for years. It is tied with the Audi A1 in the safest supermini category

Ford puma

The Ford Puma got 94% adult occupants, 84% child occupants, 77% pedestrians and 74% safety assistance. The newcomer would deserve, alongside the Clio and Audi A, extraordinary credits for their uncompromising stance on safety.

Other ways to save on your auto insurance

If you’re not quite in the market for a new car, there are other things you can do to reduce your car insurance premium

Be experienced

Experienced drivers with a clean driving record can still get a good deal on their insurance. If you are not an experienced driver, you can reduce auto insurance costs by adding a named driver who is older and more experienced to the policy.

Taking a Pass Plus course if you are a new driver may also reduce your premiums but you will need to check with the insurer first.

The type of car you drive

Having a car with is the type of car you drive, with the speed, safety features, and value of the car all playing a big role in increasing the cost of your insurance.

Increase your voluntary deductible

This will result in a cheaper monthly premium. Before going out car insurance make sure you can afford any voluntary deductible. This deductible is in addition to the mandatory deductible set by your insurer. This is what you would have to pay if you ever had to claim. Pay in advance

Pay your insurance all at once if you can. Spreading the cost of your auto insurance over monthly payments may seem cheaper, but remember that you will be paying interest in addition to the amount you pay for your auto insurance premium. Drive less

By limiting your miles, you expose yourself to less insurance risk. Quite simply because you reduce your risk of accidents. When you buy your auto insurance, the insurer always asks you for an estimate of your maximum annual mileage. You have to try and your mileage is low, although you have to be realistic about how much you will be driving. Additional security

Having an alarm or immobilizer is considered a theft deterrent and by deterring car thieves you can lower your auto insurance. Not all insurers offer this, so check first.

Black box or telematics insurance

Black box insurance, or telematics, can help reduce your auto insurance over a period of time.

Small device, the black box is installed in your car.

  • this then measures how fast you drive, when you brake, what time of day you drive, how fast you accelerate and how you drive around corners

  • some black boxes include an app that you can access on your phone

  • if you drive safely you could be rewarded with cheaper monthly bonuses

Does not own a car

You don’t need to own a car to purchase auto insurance. Unlike a full auto insurance policy, you won’t accumulate a no-claims bonus, but it does mean you can drive someone else’s car, as long as you have their permission. If you are only planning to borrow a car, you can also compare quotes for short-term or temporary auto insurance

If you need to insure more than one car, you can search multi-car insurance Strategies.

Multi-insurance may also be suitable:

  • if you have more than one car

  • if you are a family with several drivers

  • if you are a couple with several vehicles

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