Skoda Octavia insurance group & cost

Skoda Octavia models range from insurance groups 6 to 31, so the cost of insurance can vary significantly depending on which model you have.

Skoda Octavia insurance groups and cost

In the table below, we show you the insurance group for different Skoda Octavia model versions alongside the likely premiums for different age ranges.

Model / Version	Group (1-50)	Age 20yrs	Age 30yrs	Age 40yrs	Age 50yrs	Link
Skoda Octavia Hatchback (2004 - 2012) Classic 1.4 16v (80bhp)	6	£863.82	£547.83	£474.43	£450.57	Get Quote
Skoda Octavia Estate (2005 - 2013) S 1.4 16V	7	£1,024.75	£731.81	£577.93	£546.93	Get Quote
Skoda Octavia Hatchback (1998 - 2005) LXi 1.6	11	£1,135.84	£681.20	£564.69	£549.94	Get Quote
Skoda Octavia Estate (1998 - 2005) Classic 1.9 SDi	11	£1,135.84	£681.20	£564.69	£549.94	Get Quote
Skoda Octavia Estate (2020 onwards) SE First Edition 1.0 TSI e-TEC DSG	12	£965.08	£658.66	£544.09	£521.48	Get Quote
Skoda Octavia Hatchback (2020 onwards) SE First Edition 1.0 TSI	12	£965.08	£658.66	£544.09	£521.48	Get Quote
Skoda Octavia Estate (2020 onwards) SE 1.0 TSI	13	£921.95	£573.32	£490.62	£469.68	Get Quote
Skoda Octavia Estate (2020 onwards) SE 1.0 TSI e-TEC DSG	14	£1,047.48	£555.44	£512.66	£517.67	Get Quote
Skoda Octavia Hatchback (2020 onwards) SE Technology 1.5 TSI	14	£1,047.48	£555.44	£512.66	£517.67	Get Quote
Skoda Octavia Estate (2020 onwards) SE First Edition 2.0 TDI	15	£1,425.58	£756.46	£695.57	£676.53	Get Quote
Skoda Octavia Hatchback (2020 onwards) SE Technology 2.0 TDI DSG	15	£1,425.58	£756.46	£695.57	£676.53	Get Quote
Skoda Octavia Estate (2020 onwards) SE L 2.0 TDI	16	£1,481.96	£849.03	£660.04	£667.28	Get Quote
Skoda Octavia Hatchback (2020 onwards) SE 2.0 TDI	16	£1,481.96	£849.03	£660.04	£667.28	Get Quote
Skoda Octavia Scout (2007 - 2012) Scout 2.0 FSI 4x4	16	£1,481.96	£849.03	£660.04	£667.28	Get Quote
Skoda Octavia Estate (2020 onwards) SE L 2.0 TDI	17	£1,049.13	£693.78	£596.04	£559.18	Get Quote
Skoda Octavia Hatchback (2020 onwards) SE Technology 2.0 TDI	17	£1,049.13	£693.78	£596.04	£559.18	Get Quote
Skoda Octavia Estate (2020 onwards) SE L First Edition 1.5 TSI	18	£1,395.77	£661.75	£611.82	£613.29	Get Quote
Skoda Octavia Hatchback (2020 onwards) SE L 2.0 TDI	18	£1,395.77	£661.75	£611.82	£613.29	Get Quote
Skoda Octavia Estate (2013 - 2020) Laurin + Klement 2.0 TDI 150PS 4x4 (03/17 on)	18	£1,395.77	£661.75	£611.82	£613.29	Get Quote
Skoda Octavia Scout (2007 - 2012) Scout 2.0 TDI PD 4x4	18	£1,395.77	£661.75	£611.82	£613.29	Get Quote
Skoda Octavia Estate (2013 - 2020) Laurin + Klement 2.0 TDI 150PS DSG (03/17 on)	19	£1,142.45	£594.10	£573.80	£547.25	Get Quote
Skoda Octavia Hatchback (2013 - 2020) SE 1.4 TSI 150PS (03/17 on)	19	£1,142.45	£594.10	£573.80	£547.25	Get Quote
Skoda Octavia Scout (2014 - 2020) Scout 2.0 TDI 150PS 4x4 (03/17 on)	19	£1,142.45	£594.10	£573.80	£547.25	Get Quote
Skoda Octavia Estate (2020 onwards) SE 2.0 TDI 150	20	£1,140.45	£566.99	£560.23	£534.47	Get Quote
Skoda Octavia Hatchback (2013 - 2020) Laurin + Klement 2.0 TDI SCR 150PS DSG	20	£1,140.45	£566.99	£560.23	£534.47	Get Quote
Skoda Octavia Scout (2014 - 2020) Scout 2.0 TDI CR 4x4	20	£1,140.45	£566.99	£560.23	£534.47	Get Quote
Skoda Octavia Estate (2020 onwards) SE L 2.0 TDI 150 4x4 DSG	21	£1,072.10	£689.18	£593.39	£527.60	Get Quote
Skoda Octavia Hatchback (2020 onwards) SE Technology 2.0 TDI 150 DSG	21	£1,072.10	£689.18	£593.39	£527.60	Get Quote
Skoda Octavia Estate (2020 onwards) SE L 2.0 TDI 150 DSG	22	£1,108.94	£729.30	£624.63	£589.41	Get Quote
Skoda Octavia Hatchback (2020 onwards) SE Technology 1.4 TSI iV DSG	22	£1,108.94	£729.30	£624.63	£589.41	Get Quote
Skoda Octavia Scout (2014 - 2020) Scout 2.0 TDI CR (184bhp) 4x4 DSG	22	£1,108.94	£729.30	£624.63	£589.41	Get Quote
Skoda Octavia Estate (2020 onwards) SE L 1.4 TSI iV DSG	23	£1,416.79	£809.39	£703.65	£656.36	Get Quote
Skoda Octavia Hatchback (2020 onwards) SE L 1.4 TSI iV DSG	23	£1,416.79	£809.39	£703.65	£656.36	Get Quote
Skoda Octavia Estate (2013 - 2020) Scout 2.0 TSI 190PS 4x4 DSG	24	£1,180.48	£772.67	£633.50	£639.42	Get Quote
Skoda Octavia Hatchback (2013 - 2020) vRS Challenge 2.0 TSI 245PS	24	£1,180.48	£772.67	£633.50	£639.42	Get Quote
Skoda Octavia Scout (2014 - 2020) vRS 2.0 TDI SCR 184PS Scout 4x4 DSG (07/2018 on)	24	£1,180.48	£772.67	£633.50	£639.42	Get Quote
Skoda Octavia vRS (2020 onwards) vRS 1.4 TSI iV DSG	25	£1,380.34	£861.31	£730.90	£648.06	Get Quote
Skoda Octavia Estate (2013 - 2020) Laurin + Klement 1.8 TSI	25	£1,380.34	£861.31	£730.90	£648.06	Get Quote
Skoda Octavia Hatchback (2013 - 2020) vRS 2.0 TDI 184PS 4x4 DSG (03/17 on)	25	£1,380.34	£861.31	£730.90	£648.06	Get Quote
Skoda Octavia Scout (2014 - 2020) Scout 2.0 TDI 184PS 4x4 DSG (03/17 on)	25	£1,380.34	£861.31	£730.90	£648.06	Get Quote
Skoda Octavia vRS (2020 onwards) vRS 1.4 TSI iV DSG	26	£1,612.10	£890.06	£755.97	£681.74	Get Quote
Skoda Octavia Estate (2013 - 2020) vRS 2.0 TDI SCR 184PS DSG	26	£1,612.10	£890.06	£755.97	£681.74	Get Quote
Skoda Octavia Hatchback (2013 - 2020) vRS 2.0 TDI 184PS (03/17 on)	26	£1,612.10	£890.06	£755.97	£681.74	Get Quote
Skoda Octavia vRS (2013 - 2017) vRS 2.0 TDI CR Hatchback DSG	26	£1,612.10	£890.06	£755.97	£681.74	Get Quote
Skoda Octavia Hatchback (1998 - 2005) Elegance 1.8T	26	£1,612.10	£890.06	£755.97	£681.74	Get Quote
Skoda Octavia vRS (2020 onwards) vRS 2.0 TSI DSG	27	£1,598.22	£902.37	£784.49	£759.41	Get Quote
Skoda Octavia Estate (2013 - 2020) vRS Challenge 2.0 TSI 245PS DSG	27	£1,598.22	£902.37	£784.49	£759.41	Get Quote
Skoda Octavia Hatchback (2013 - 2020) vRS Challenge 2.0 TSI 245PS DSG	27	£1,598.22	£902.37	£784.49	£759.41	Get Quote
Skoda Octavia Estate (2013 - 2020) vRS 2.0 TSI 230PS (03/17 on)	28	£1,051.05	£582.19	£543.93	£540.48	Get Quote
Skoda Octavia Hatchback (2013 - 2020) vRS 2.0 TSI 230PS (03/17 on)	28	£1,051.05	£582.19	£543.93	£540.48	Get Quote
Skoda Octavia vRS (2005 - 2013) vRS Limited 2.0 TDI CR Limited Estate	28	£1,051.05	£582.19	£543.93	£540.48	Get Quote
Skoda Octavia Estate (2013 - 2020) vRS 2.0 TSI 245PS	29	£1,663.68	£1,031.80	£773.88	£754.05	Get Quote
Skoda Octavia Hatchback (2013 - 2020) vRS 245 2.0 TSI 245PS DSG	29	£1,663.68	£1,031.80	£773.88	£754.05	Get Quote
Skoda Octavia vRS (2013 - 2017) vRS 2.0 TSI Estate	29	£1,663.68	£1,031.80	£773.88	£754.05	Get Quote
Skoda Octavia vRS (2013 - 2017) vRS 230 2.0 TSI (230bhp) Estate	30	£3,439.38	£1,001.68	£874.54	£861.41	Get Quote
Skoda Octavia vRS (2001 - 2005) vRS 1.8T Estate	31	£3,544.85	£1,019.77	£863.52	£847.78	Get Quote

Average Skoda Octavia insurance cost

To provide you with an idea of how much it may cost you to insure your Skoda Octavia, we ran several quotes to find an average figure. Based on our results, on average, you could insure your Skoda Octavia with a comprehensive policy for £846.14 yearly, or £75.47 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

Skoda Octavia insurance cost by location

The table above shows the average cost of Skoda Octavia 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 Skoda Octavia Hatchback (2004 - 2012) Classic 1.4 16v (80bhp).

Expensive: £762.93 (London E10)
Mid-range: £547.83 (Chester CH1)
Cheap: £387.87 (Newquay TR8)

What factors affect my Skoda Octavia insurance rate?

We've covered insurance groups, age and location. Here are some of the other factors that affect your insurance premium costs:

Your marital status
Your credit history and job
Your car's safety rating score
The model of your car
The age of your car
Your car's security and any extra anti-theft precautions
Annual miles driven
Your driving history and activity
No-claims discount

How can I save on my Skoda Octavia premiums?

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 Skoda Octavia you're insuring all have a major impact on the cost of cover. In fact, the best prices we found ranged from £319.34 to £5,297.26, 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

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Written by

Danny Butler

Publisher

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Danny was 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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Danny has written 292 Finder guides across topics including:

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Co-written by

Jason Loewenthal

Senior writer

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

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Skoda Octavia insurance group and cost

Compare car insurance costs for your Skoda Octavia based on your age and location.

Skoda Octavia insurance groups and cost

Average Skoda Octavia insurance cost

Skoda Octavia insurance cost by location

What factors affect my Skoda Octavia insurance rate?

How can I save on my Skoda Octavia premiums?

Bottom line

Frequently asked questions

Danny Butler

Jason Loewenthal

More guides on Finder

Skoda Octavia insurance group and cost

Compare car insurance costs for your Skoda Octavia based on your age and location.

Skoda Octavia insurance groups and cost

How we got these rates

Average Skoda Octavia insurance cost

How we got this rate

Skoda Octavia insurance cost by location

What factors affect my Skoda Octavia insurance rate?

How can I save on my Skoda Octavia premiums?

Bottom line

Frequently asked questions

How much car tax do I have to pay for the Skoda Octavia?

Where can I buy a Skoda Octavia?

Danny Butler

Jason Loewenthal

More guides on Finder

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