These premiums are based on quotes for vehicles for drivers aged 20 to 50 in each of the 50 insurance groups. The average price was generated by getting a quote from a cheap (TR8), mid-range (CH1) and expensive (E10) postcode. Correct as of May 2025.
Average Citröen Xsara insurance cost
To provide you with an idea of how much it may cost you to insure your Citröen Xsara, we ran several quotes to find an average figure. Based on our results, on average, you could insure your Citröen Xsara with a comprehensive policy for £761.48 yearly, or £68.42 paying monthly.
We generated these quotes using the following assumptions about the vehicle and the driver. We looked at prices for a driver aged 20, 30, 40 and 50. For each age category we took the average price of the 3 best quotes. We said the 20-year-old driver has 3 years of driving experience, the 30-year-old driver has 13 years of driving experience, the 40-year-old driver has 23 years of driving experience and the 50-year-old driver has 25+ years of driving experience, as that is the quote engine's largest option. We used a cheap (TR8), mid-range (CH1) and expensive (E10) postcode for each hypothetical driver.
All other factors were the same. These were:
The vehicle:
Has a factory-fitted alarm system
Hasn't been modified
Would be parked in a work car park during the day
Would be parked on a driveway at night
Hadn't been bought yet but would be by the time the policy starts
Isn't fitted with a dashcam
The driver:
Is a teacher
Is male
Is a non-homeowner
Has had no accidents or claims in the last 5 years
Has had no motoring convictions, driving licence endorsements or fixed penalty points in the last 5 years
Doesn't have any unspent non-motoring convictions
Has no medical conditions
Has never had insurance declined, cancelled or special terms imposed
Has lived in the UK continuously since birth
Is single and has no children
Has a full UK manual licence
Doesn't have use of another vehicle
Doesn't have any medical conditions
No driving or other convictions in the last 5 years
Other factors:
We used 1 January as the birthday for each driver, alongside their respective birth year
We looked for quotes with a 3-year no-claims discount
We chose a voluntary excess of £500
We didn't protect the no-claims bonus
We looked for quotes for comprehensive policies
We didn't include additional drivers
We opted for an annual payment
We used cars that were first registered in 2020, with an aim to find a mid-range car in that group
The policy is for social, domestic and commuting purposes
We looked at policies covering 10,000 miles per year
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The table above shows the average cost of Citröen Xsara insurance based on insurance groups and driver age. However, there are a number of other factors that affect the cost of your car insurance premiums, and one of the biggest is where you are in the UK. Where you live helps determine the level of risk that your car may be stolen or that you'll be involved in an accident, and this affects the cost of insurance.
To show the power of the postcode, here are some average quotes for a 30-year-old living in 3 different locations. The quotes are for a Citroën Xsara Hatchback 1.9 D X 5d.
Expensive: £784.55 (London E10)
Mid-range: £573.32 (Chester CH1)
Cheap: £394.72 (Newquay TR8)
What factors affect my Citröen Xsara insurance rate?
We've covered insurance groups, age and location. Here are some of the other factors that affect your insurance premium costs:
When searching for insurance, you'll want to find the best deal for a price that's within your budget. We've uncovered some tricks you can try to lower the cost of your premium, and we've listed them below.
Limit your car usage (where possible). Occasionally deciding to walk or get public transport, rather than using your car, can help to save on your premiums.
Pay annually rather than monthly. Whilst it might be scary to part with a large sum of money in one go, if you're able to pay annually you can save an average of £59.52 a year.
Install extra safety precautions. The safer your car is, the less of a risk it will be for companies to insure. By adding extra safety measures, you're quite likely to lower your premium.
Clear out the garage! If you have a garage – clear it out and park your car there. Parking your car in a garage reduces your risk to insurers and therefore reduces your premiums too.
Consider any named drivers. Only name drivers on the insurance policy that regularly drive the vehicle, you can easily add on others at a later date or get them temporary cover.
Don't just accept your renewal quote. When it's time for renewal, it's worth investing a couple of hours to shop around: there may be cheaper options out there.
Bottom line
As we've shown, factors like where you live, how old you are, whether you want to pay monthly or annually, and the specific variant of Citröen Xsara you're insuring all have a major impact on the cost of cover. In fact, the best prices we found ranged from £329.67 to £3,379.73, and that's based on shopping around to find a competitive deal. Unfortunately, if you don't shop around, there's every chance you could end up paying more than you have to.
Frequently asked questions
The UK standard car tax rate for cars registered after April 2017 is £195 per year. However, you might pay more or less in year 1 depending on your car's emissions.
You can buy an Citröen Xsara online or by visiting your local Citröen retailer. There is also a range of used Citröen Xsaras available to buy through various motor resellers and websites such as AutoTrader or Motors.
*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (April ’25). 51% of Confused.com car insurance customers could save £462.49.
Which factors affect my Citroen Xsara insurance rate?
There are a wide variety of factors that may influence your premium rate. Some of these factors include:
Your age, marital status, job and where you live
The model and age of your car
Your car’s safety rating, security and any anti-theft precautions
Whilst car insurance is a must, it shouldn’t leave you with a hole in your pocket, so we’ve put together a list of tips for you to try that may help you to lower your premiums. Our advice:
Pay annually rather than monthly. By paying annually, you could save an average of £65.72 a year.
Make yourself a secure investment. The more you appeal to your provider, the more likely it is that you will be rewarded with lower premiums. By keeping a clean history of no claims and a good credit rating, you may find yourself saving some money!
Be economical about your car usage. Limiting your car usage will help to keep mileage, and thus your premiums, low.
Don’t just accept your renewal quote. Renewal quotes aren’t always the best offers out there, so make sure you shop around to find the price that’s right for you.
Install extra safety precautions. Providers don’t like to insure risks, so by investing in some extra safety measures, you may save money on your premiums.
Avoid driving convictions. Convictions of any kind will increase your premiums, so do your best to avoid any.
Facts about the Citroën Xsara
The design of the Citroen Xsara was a development on the Citroen ZX and the Peugeot 306.
A World Rally Car was created, called the Xsara WRC, that was based on the normal Xsara. It was one of the most successful cars ever to compete, and won the Autosport Rally Car of the Year award from 2003 to 2005.
Despite being discontinued in Europe in 2004, the Xsara continues to be offered in China.
Bottom line
The Citroen Xsara wasn’t necessarily and exciting car when it was brand new. Now, they’ve been out of production for 15 years. Even so, they’re not particularly cheap to insure. The tips in this guide will help you to keep your premiums a bit lower.
Frequently asked questions
Depending on the model version, you can expect a Citroen Xsara to reach a top speed of 112 miles per hour.
The Citroen Xsara was last tested by Euro NCAP under their old system in 1998. Whilst we’re unable to provide you with an overall safety rating, the Xsara did score a 3/5 rating for its adult occupant safety, and 2/4 for its pedestrian safety.
With its pedestrian safety rating, it was commented that the Xsara offered good protection for legs and children, but the majority of adult impact area sites were rated as poor for protection.
As previously mentioned, the safer your car is, the lower your premiums may be. As standard, the Xsara comes with a fairly limited range of safety measures, namely including airbags and ABS, which prevents your wheels from locking when you brake. Whilst you may wish to invest in extra safety measures, the optional features for this car are vastly limited due to the age of the model and the fact that it is no longer in production.
The UK standard car tax rate sits at £150 per year. However, you might pay more or less depending on your car’s emissions.
You can buy a Citroen Xsara from dealerships, online sellers or a current owner.
You can compare the costs of Citroen Xsara car insurance using any price comparison website.
The Citroen Xsara can be found in insurance groups ranging from 11 to 27. Most Citroen Xsara models are cheaper than the average rate to insure, although for its most powerful models, you can expect to pay slightly above the average rate.
*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (April ’25). 51% of Confused.com car insurance customers could save £462.49.
The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.
Danny is a publisher at Finder specialising in insurance and investing. He previously worked at the global insurer Aon and has appeared in national media giving advice on insurance. Danny holds a BA in International Business from the University of Plymouth and has undying loyalty to his average-poor football team, Portsmouth FC. See full bio
Danny's expertise
Danny has written 303 Finder guides across topics including:
Jason is a writer and editor. He worked as a senior subeditor for Finder for 5 years and in that time became familiar with a wide range of financial products and services. Before that, he worked for Australian Associated Press. He has a BA from Macquarie University in Australia. Jason loves to help other people find new ways to save money. See full bio
Read our comprehensive guide and find out how much it may cost you to insure a Citroën C1 and how to save on your car insurance premiums.
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