MG ZR insurance group

The MG ZR is a hatchback produced in the early years of the century. This car’s appearance has a “love it or hate it” feel. If you love it, you should be able to pick one up at a decent price these days. In this guide, you’ll discover how much it could cost to insure based on your age and location.

What insurance group does the MG ZR fall under?

When it comes to car insurance, all vehicles are placed in a specific insurance group that ranges from 1 (cheapest) to 50 (most expensive), based on how much it should cost to insure them. Car insurance companies use these groups to determine a suitable premium for you.

MG ZR models can be found in groups ranging from 15 to 30, meaning the costs will vary significantly depending on your choice of MG ZR model. As an example, a 30-year-old driver in an average postcode could pay around £674 for cover on an MG ZR 1.4 105ps 3d that is in insurance group 24 or around £896 for an MG ZR 1.8 VVC 160ps 3d that is in insurance group 30. From this comparison, we can clearly see the impact of premium pricing when one car is in a much higher insurance group.

• How we got these rates

  These rates are based on the average cost of cover for cars in the insurance groups shown, for drivers of different ages with a Newcastle (NE1) postcode, which our research suggests represents an average for insurance rates in the UK. Updated: June 2024 (source: Confused).

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MG ZR insurance cost by location

The table above shows the average cost of MG ZR insurance based on insurance groups and driver age. However, there are a number of other factors that affect the cost of your car insurance premium, one of the biggest being your location.

To show the power of the postcode, here are some average quotes for a 30-year-old living in three different locations. The quotes are for an MG ZR 2.0TD + 3d.

• Expensive: £908 (London SE1)
• Average: £706 (Newcastle NE1)
• Cheap: £698.82 (Galashiels TD1)

• How we got these rates

  These rates are based on the average cost of cover for cars in the locations shown. Our research suggests SE1 is one of the most expensive locations, NE1 represents an average cost location and TD1 represents one of the cheapest locations. Updated: June 2024 (source: Confused).

Which factors affect my MG ZR insurance rate?

There are several key factors that have the biggest impact on your insurance premium costs, other than its insurance group. Let’s take a look at some more of the most important ones.

• Engine type and capacity. In general, the bigger the engine, the more you can expect to pay for car insurance. For example, it may cost £1,465 for insurance for an MG ZR 1.4 105ps 5d, while you may pay £2,154 for an MG ZR 1.8 VVC 160ps 5d. That’s an extra £114 per year you’ll pay for an engine that’s 0.4 litres bigger.
• Driver location. Where you live helps insurers determine the level of risk that your car may be stolen or involved in an accident. If you live in an area where that’s more likely, your insurance could rise. For example, a 30-year-old in central London may pay £1,465 for insurance for an MG ZR 1.4 Trophy 105ps 3d, while the same 30-year-old in Newcastle may only pay £674. This £151 difference occurs because Londoners are more likely to claim on their car insurance.
• Driver age. The youngest drivers are the most likely to claim on their car insurance and that’s why they have to pay more. As an example, the average 20-year-old driver in London may pay £4,397 for the MG ZR 2.0TD Trophy SE 115ps 3d, while the average 40-year-old Londoner will only pay £862. As you can see, the average 20-year-old would have to pay almost double to insure an MG ZR, such is their added level of risk to an insurance company.

Other factors that influence the cost of your insurance include:

• Your marital status
• Your credit history and job
• Your car’s security features
• Your car’s anti-theft precautions
• Your car’s safety rating score
• The model of your car
• The age of your car
• Your driving history and activity
• Your no-claim discount
• Your annual mileage

How can I save on my MG ZR premium?

Whilst car insurance is a necessary legal requirement, that’s no reason to let it drain your bank account dry. Here are some tricks you can try in order to lower the cost of your premium.

• Limit your car usage (where possible). A lower annual mileage makes you less of a risk in the eyes of an insurance company. So consider whether it’s possible for you to take some journeys by foot or public transport, rather than using your car. This can help to save on your premium.
• Pay annually rather than monthly. Whilst it might be difficult for some people to part with a large sum of money in one go, paying annually eliminates the possibility of you being charged interest on monthly repayments.
• Install extra safety precautions. The safer your car is, the less of a risk it will be for companies to insure. So, when you add extra safety measures, many companies will be willing to lower your premium.
• Don’t just accept your renewal quote. Although it might be time consuming, when it’s time for renewal make sure you shop around and don’t just settle for the renewal price given to you – there may be cheaper options out there!

Frequently asked questions

• What is the top speed of an MG ZR?

  You can expect the fastest model of the MG ZR to reach a top speed of 119 miles per hour.

• How much car tax do I have to pay for the MG ZR?

  The UK standard car tax rate sites at £150 per year. However, you might pay more or less depending on your car’s emissions.

• Where can I buy an MG ZR?

  You can buy this vehicle at dealerships, from online sellers or from current owners across the UK.

• What engine size is the MG ZR?

  Engine sizes range from 1.4-litres up to 2 litres.

• Is the MG ZR any good?

  There’s not a lot that makes the MG ZR stand out in the present day. If you’re in the market, look for a VW Golf GTI or the Ford Focus ST instead.

• Where can I find MG ZR car insurance?

  You can compare the costs of MG ZR insurance using any price comparison website.

• Is an MG ZR expensive to insure?

  This depends on the specific model of MG ZR you have and the insurance group it falls under. MG ZR models can be found in insurance groups 15 to 30. That means some models could cost less than the average vehicle to insure, but others could cost well above average.

Written by

Danny Butler

Publisher

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

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